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
|Minimum to Open||Just $5||$200||Just $5|
|Minimum Balance Requirement||$0*||$1,000**||$0*|
|FREE MasterCard® Debit Card issued INSTANTLY***|
|FREE Mobile Banking|
|FREE Bill Pay|
|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|
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.
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.
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.