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Your funds deposited with Credit Union of New Jersey are safe, secure and insured.

Account Options

The right checking account for you.

It’s great to have options, like our latest addition, Kasasa Cash Back® Checking¹. Take a look at all of our options and then decide which is the best fit for you.

Credit Union of New Jersey Checking Account options
Account Type Kasasa Cash Back® Checking¹ Basic Checking Interest Checking Senior Checking (Ages 55+) Student Checking (Ages 13-18)
Minimum to Open Just $5 Just $5 $200 Just $5 Just $5
Minimum Balance Requirement $0² $0² $1,000³ $0² $0²
Monthly Fee $0² $0² $0² $0² $0²
Pays Dividends No No No
Cash Back¹ No No No No
ATM Withdrawal Fee Refunds No 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 No
Access to 55,000+ Surcharge-Free ATMs Nationwide
Access to 5,000+ Shared Branches (60+ in NJ and PA)
Overdraft Protection Available No
Debit Card Alerts
Online Debit Card Management

Right Turn Checking

Our Right Turn Checking Account is the perfect account for members who are NOT eligible for our conventional checking accounts. Members may use this account to clear-up past banking issues, and after 12 months re-apply for a standard checking account. Members have access to a free Debit Card, e-Banking, Bill Payer and e-Statements.

Right Turn Checking Account features
Account Type Right Turn Checking
Minimum opening deposit $100 and successful completion of the checking management class on Balancepro.org
Minimum balance $0
Monthly fee $10
Withdrawals/Transfers Unlimited, but there is no check-writing
Dividends Does not earn dividends
Account access Members may access the account in person, at ATMs nationwide, with a Basic Debit Card, e- Banking, Bill Payer Bill Payer (18 and older ), and Mobile Banking
Statements Free monthly e-Statements
Overdraft Protection Not available

Our relationship rewards you.

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.

There’s even more coming to you.

Our Purchase Rewards program is a free and painless way to get cash back when you’re shopping all you need is a CU of NJ Checking Account with a MasterCard® Debit Card and our Mobile App or e-Banking Access.

Enjoy the freedom to prosper. You can open your CU of NJ Checking Account safely and quickly online. If you have questions, feel free to give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org or stop by one of our convenient branch locations.


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 charge if the average daily balance falls below $1,000.00 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 a member’s in-branch visit.

To be eligible for Right Turn Checking, you must be 18 years of age or older and have been denied a CU of NJ Checking Account and/or Debit Card, must have no CU of NJ charge-offs and must have no current CU of NJ delinquencies.

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