Lafayette Street ATM: Due to building construction the ATM located at 12 E. Lafayette St. will not be available until further notice. Please visit for the closest surcharge-free ATM. We apologize for the inconvenience.

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

Account Options

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.

Credit Union of New Jersey Checking Account options
Account Type Basic Checking Interest Checking Senior Checking (Ages 55+) Student Checking (Ages 13-18) Right Turn Checking*
Minimum to Open Just $5 $200 Just $5 Just $5 $100
Minimum Balance Requirement $0** $1,000*** $0** $0** $0**
Monthly Fee $0** $0** $0** $0** $10
Pays Dividends 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

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 or stop by one of our convenient branch locations.


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.

Build your relationship with us through these other related products:

Member Only Deals - Love My Credit Union | Start Saving
Membership has its discounts.

Enjoy savings at hundreds of retailers, restaurants and services.