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:
| 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™ Samsung Pay™ Google Pay™ |
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| FREE Mobile Banking and e-Banking | ||||
| FREE Bill Pay | ||||
| FREE e-Statements |
| 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.
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.
