Not your average checking account.

Make the account you use most even better with Kasasa Cash Back® Checking from Credit Union of New Jersey. Whether you’re browsing your local farmers’ market or fueling up at the pump, Kasasa Cash Back® Checking pays you for doing what you already do. Get 3.00% cash back on your debit card purchases¹ with no monthly fees, no minimum account balance and refunds on nationwide ATM withdrawal fees.

Open yours today

Like to compare? See which of our checking accounts best fits your lifestyle.

Account Type⁵ Kasasa Cash Back® Checking¹ Basic Checking Interest Checking Senior Checking (Ages 55+)
Minimum to Open Just $5 Just $5 $200 Just $5
Minimum Balance Requirement $0² $0² $1,000³ $0²
Monthly Fee $0² $0² $0² $0²
Pays Dividends No No
Cash Back¹ No No No
ATM Withdrawal Fee Refunds No No No
FREE MasterCard® Debit Card issued INSTANTLY
Apple Pay logo Apple Pay™
Samsung Pay Samsung Pay™
Google Pay Google Pay™
FREE Mobile Banking
FREE e-Banking
FREE Bill Pay
FREE e-Statements
Mobile e-Deposit
Access to 55,000+ Surcharge-Free ATMs Nationwide
Access to 5,000+ Shared Branches (60+ in NJ and PA)
Overdraft Protection Available
Debit Card Alerts
Online Debit Card Management
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


Qualification Information: To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, ACH payment or Bill Pay transaction(s)
  • At least 12 PIN-based / signature-based debit card purchases
  • Be enrolled in and have agreed to receive e-statements rather than paper statements

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.

Reward Information:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3% cash back on up to a total of $266.75 on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle when qualifications are met. A foreign ATM fee reimbursement cap of up to $4.99 per transaction applies when qualifications are met. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing/business day of the following statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards.
Rewards less than a penny cannot be distributed.

Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $5 minimum deposit is required to open the account. Limit of one account per member.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.


Membership deposit of $5.00 is required at all times in your Main Share Savings Account. All consumer memberships are part of our Relationship Rewards program and the great benefits. A non-participation fee of $10.00 is charged to the base savings account for membership/households not meeting the minimum requirements of the Silver Tier each month. See full program details.


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.

To open a CU of NJ checking account, member eligibility is required. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group.

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