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Relationship Rewards Chart

Making it to the top.

Here’s an easy way to see each Relationship Rewards tier and how simple it is to qualify.*

Relationship Rewards:

Combined Balances & Requirements

Relationship Rewards: Combined Balances & Requirements
Combined Balance First Mortgage Investment Account Monthly Debit Card Purchases**
Platinum Plus $250,000 or more 50
Platinum $75,000-$249.999.99 N/A N/A 30-49
Gold $25,000-$74.999.99 N/A N/A 20-29
Silver $1,000-$24.999.99 N/A N/A 5-19
Or new member***
Basic Less than $1,000 N/A N/A Less than 5
Relationship Rewards Comparison
Platinum Plus Platinum Gold Silver Basic
Foreign ATM W/D Fee Free 10 Free; $2 Thereafter 5 Free; $2 Thereafter $2.00 $3.00
Overdraft Protection Transfer Fee Free Free $5.00 $10.00 $15.00
Check Printing1 Free 2 boxes free annually
Non-Participation Fee Waived Waived Waived Waived $10/month
Consumer Loan Discount2 0.25% 0.10% 0.05%
Member Exclusive Offers
Certified Check Fee Waived Waived $10.00 $10.00 $10.00
Check Cashing Fee Waived Waived $4.00 $5.00 $10.00
Paper Statement Fee Waived Waived Waived $1.00 $2.00
Incoming Wire Fee Waived Waived $5.00 $10.00 $15.00
Domestic Wire Fee Waived Waived $15.00 $25.00 $25.00
Notary Service Fee Waived Waived Waived Waived $2.00

Enjoy the freedom to prosper. If you have any questions about our Relationship Rewards tiers and/or how to qualify, 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.


Qualifications are based on an “OR” relationship meaning that if you meet one of the criteria, you will qualify for that tier. You will be placed in the highest tier that you qualify for. Your tier level will be based on your qualifications from the prior month. Members with delinquent loans more than 30 days will be placed into the Basic tier. Excluded from Relationship Rewards: NJ Consumer Checking Accounts, Business Accounts, Children ages 0-17 if not part of a combined HH, Estate, Trust, RPA and Custodial Accounts. Combined balances are calculated by adding end-of-month balances in your CU of NJ Checking, Savings, Money Markets, Certificates, Loans and Credit Card limit(s) in any one given member account. Investment, Mortgage and Student Loan balances are excluded from combined balances. To opt-in to combining your entire household balance, you must complete a Householding Consent Form.


Monthly debit purchase transactions are calculated on when they post to the account, not when the transaction actually occurs. This will include all transactions that post from the first of the month until the last day of the month. Transactions are counted based on the total debit purchase transactions on each checking account separately, not based on the combined transaction on multiple checking accounts in a household. If multiple checking accounts exist in a household, then the checking account with the highest transactions will be counted to determine tier level.


New members within last 90 days.


Annual Check Printing is effective January through December. Must order with a CU of NJ Representative. Select styles only.


Maximum discount for consumer loans is 0.25% off for this program and 0.50% off combined with other programs. Subject to credit approval. First mortgages, second mortgages (including Home Equity Loans and Lines), student loan, lifestyle loans, personal lines of credit and credit cards are excluded. Loan discount can be discontinued at any time at the discretion of Credit Union of New Jersey

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