Lafayette Street ATM: Due to building construction the ATM located at 12 E. Lafayette St. will not be available until further notice. Please visit AllpointNetwork.com 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.

Checking Accounts

Your financial foundation.

A CU of NJ Checking account provides you with a strong financial base on which to build your financial future, giving you everything you need to deposit money, transfer funds and pay bills.

You have lots of options when it comes to Credit Union of New Jersey checking:

Credit Union of New Jersey Checking Account options
Account Type Basic Checking Interest Checking Senior Checking (Ages 55+) Student Checking
Minimum to Open Just $5 $200 Just $5 Just $5
Minimum Balance Requirement $0* $1,000** $0* $0*
Monthly Fee $0* $0* $0* $0*
Pays Dividends No No
FREE MasterCard® Debit Card issued INSTANTLY***
Apple Pay logo Apple Pay™
Samsung Pay Samsung Pay™
Google Pay Google Pay™
FREE Mobile Banking and e-Banking
FREE Bill Pay
FREE e-Statements
Credit Union of New Jersey Checking Account options (continued)
Account Type Basic Checking Interest Checking Senior Checking (Ages 55+) Student Checking
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

Purchase Rewards

With our Purchase Rewards program, you can get cash back when using your Credit Union of New Jersey MasterCard® debit card.

When you’re ready to move your checking account from another financial institution, our Switch Kit can help make the process a lot smoother for you.

For additional information, visit cunj.org.

Enjoy the freedom to prosper. If you have any questions about any of our Checking or Savings products, just give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org or stop by one of our branches.

*

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

**

A $10.00 monthly fee is charged 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.

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

Enjoy savings at hundreds of retailers, restaurants and services.