A checking account to fit your lifestyle—as it should be.

Your checking account is your base of operations, at least financially. We've got you covered in a lot of different ways. And no matter which one of our checking accounts you choose, it comes with a ton of additional benefits. Take a look.

Basic Checking Interest Checking Senior Checking
(Ages 55+)
Minimum to Open Just $5 $200 Just $5
Minimum Balance Requirement $0* $1,000** $0*
Monthly Fee $0* $0* $0*
Pays Dividends No
FREE MasterCard® Debit Card issued INSTANTLY***
Apple Pay logo Apple Pay™
Samsung Pay logo Samsung Pay™
Google Pay logo Google Pay™
FREE Mobile Banking
FREE e-Banking
FREE Bill Pay
FREE e-Statements
e-Deposit (Make deposits from your mobile device)
Access to 55,000+ Surcharge-Free ATMs Nationwide
Access to 5,000+ Shared Branches (60+ in NJ and PA)
Overdraft Protection Available
Introducing your new wallet. Apple Pay | Samsung Pay | Google Pay

It's never too early to get money smart.

If you have a teenager between the ages of 13 and 18 in your house, you'll want to look into our Student Checking Account. It's free and can really help you teach your kid how to manage their own finances.

Check Out Student Checking

Members 18 and older are automatically enrolled in our Relationship Rewards Program (exclusions apply)*. You don't have to do a thing, except reap the benefits—perks like loan discounts, special offers, other discounts and free products and services. Simply put, the stronger your relationship with us, the greater your benefits will be.

Impressive, right? And here are four more tremendous advantages you'll enjoy as a CU of NJ checking account holder.

Make your checking account work even harder with:

Purchase Rewards

Here's a free, completely painless way to get cash back when you're shopping. All you need is a Credit Union of New Jersey checking account with a MasterCard® Debit Card and our Mobile App (or e-Banking access). Then, just log into the Mobile App or your e-Banking account and:

  • Click to activate exclusive cash-back offers where you most like to shop
  • Shop to your heart's content online or in stores
  • Redeem your offers by paying with your Credit Union of New Jersey MasterCard® Debit Card.
  • Enjoy the cash back that will be deposited directly into your CU of NJ checking account at the end of the following month.

Check out our demo or review our Frequently Asked Questions if you have questions.

Open your Credit Union of New Jersey checking account today

If your Credit Union of New Jersey checking account is closed prior to the scheduled deposit date, you will forfeit all rewards due that period.


Popmoney® is perfect for paying the babysitter or the guy who mows your lawn. You can use it to make a loan to a buddy or even send some birthday or holiday cash.

Access Popmoney® through the CU of NJ Mobile App or e-Banking. Then simply enter the recipient's name, email address and/or cell phone number and the dollar amount to be sent. An email or text will notify the recipient that money is coming. All they need to do is securely enter the account number where they want the money transferred. Done.

Open your Credit Union of New Jersey checking account today

Money Management keeps your financial act together.

Your personal finances can get pretty complicated. We get it. That's why we offer Money Management, a FREE personal financial management solution with a reward-winning user experience.

  • See all of your financial relationships in one place
  • Track where you're spending your money
  • Get out of debt and stay out of debt
  • Learn to live within your means

Open your Credit Union of New Jersey checking account today

Check out SavvyMoneysm Checkup

There's physical fitness and then there's financial fitness. We think they're equally important. SavvyMoneysm Checkup is a FREE program we offer to all our members that can help you achieve and maintain financial fitness. Build an effective working budget, get a firm handle on all of your debt and learn how to pay it off faster. You can even work directly with a CU of NJ Certified Financial Counselor on ways to improve your financial health more quickly.

And, the online program is designed so that once you establish your account, you can go into the site regularly to update your situation and check on your progress.

Watch a brief video overview of SavvyMoneysm Checkup

Open your Credit Union of New Jersey checking account today


A Membership deposit of $5 is required at all times in your Main Share Savings Account. All consumer memberships are part of Relationship Rewards Program and the great benefits. A non-participation fee of $10 is charged to the base savings account for memberships/households not meeting the minimum requirements of the Silver Tier each month. To see full details, click here.


A $10.00 monthly fee is charged if the average daily balance falls below $1,000. Review our Rates and Fee Schedule for details.


Instant Issue only applies to in-branch visits, except the ETS and DOT branches. Credit Union of New Jersey does not mail instant issue Debit Cards, nor do we prepare them in advance of member's in-branch visit.

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