Checking Accounts

Available to New Jersey Residents Only

Convenience Plus Checking

  • No monthly service charge
  • No "per item" fees
  • No minimum balance
  • Overdraft Privilege limit of $300*

Automatic NSF Transfer available (linked to existing savings account).

Now Checking

  • Minimum balance: $100
  • Interest is compounded daily and credited monthly
  • No "per item" fees
  • Monthly service charge if daily balance falls below $100 any day of the month: $10.00
  • Overdraft Privilege limit of $750*

Automatic NSF Transfer available (linked to existing savings account).

Fees may reduce earnings on the account.

Super Now Checking

  • Minimum balance: $1000
  • Account earns simple interest which is credited monthly
  • No "per item" fees.
  • Monthly minimum balance fee if the daily balance drops below $1,000 any day of the month: $10.00
  • Overdraft Privilege limit of $750*

Interest is paid on the full balance in the account at the rate that corresponds to that deposit tier.

Automatic NSF Transfer available (linked to existing savings account).

Fees may reduce earnings on the account.  

Business Checking Accounts

Commercial Checking

  • $50 minimum required to open account.
  • No minimum balance required.
  • Overdraft Privilege limit of $1,000*
  • Monthly Service Charges:
    • $12.00 Monthly Maintenance Fee
    • $0.15 per check paid
    • $0.10 per deposit
    • $0.12 per item deposited

 Service charges may be reduced by an earnings credit. The earnings credit rate is based on the prior month’s average 91 day US Treasury Bill rate. This rate is applied against 100% of the average daily collected balance.

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*An overdraft fee of $30 will be assessed for each item paid against the Overdraft Privilege limit.  An overdraft may be created by check, in-person withdrawal, ATM withdrawal, or other electronic means. We will not authorize and pay overdrafts on ATM and everyday debit card transactions without  account holder consent. Overdrawn balances must be repaid within 30 days. Overdrafts will not be paid if the Overdraft Privilege limit is exceeded, or if the account balance remains negative for more than 30 days.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

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