The right checking account for you.
It’s good to have options. Here’s what we have for you when it comes to our Checking Accounts.
|Account Type||Basic Checking||Interest Checking||Senior Checking (Ages 55+)||Student Checking||Right Turn Checking*|
|Minimum to Open||Just $5||$200||Just $5||Just $5||$100|
|Minimum Balance Requirement||$0**||$1,000***||$0**||$0**||$0**|
|FREE MasterCard® Debit Card issued INSTANTLY****|
|FREE Mobile Banking|
|FREE Bill Pay|
|Access to 55,000+ Surcharge-Free ATMs Nationwide|
|Access to 5,000+ Shared Branches (60+ in NJ and PA)|
|Identity Theft Protection|
|Overdraft Protection Available||No|
|Debit Card Alerts|
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.
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.
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.