Special Benefits for Your Business
As a woman business owner or leader, you already have a lot on your plate to keep your business moving. The Kearny Bank ChangeMakers Checking account was designed with your needs in mind. We aim to add some simplicity to your life while partnering with you to help grow your successes.
This checking account is built upon the same convenient and efficient services that come with our Business Checking, with the same low $100 minimum balance and no monthly maintenance fee when you maintain a $100 daily minimum balance. It provides easy and secure online banking and additional business benefits. In addition, it's your first step into our Kearny Bank ChangeMakers community, where our Ambassadors focus on supporting you and your business with networking opportunities, resources, knowledge, and support, all specifically tailored to your needs.
The Kearny Bank ChangeMakers Checking account was designed to create value especially for businesses like yours. When you open this account, you can also get these great benefits:
FREE Positive Pay
FREE Incoming Wires
FREE Online Banking
Discount on First order of checks
Option to Open a Line of Credit
Featured Key Benefits
Kearny Bank Business Debit Mastercard®
With the Kearny Bank Business Debit Mastercard, you easily make everyday purchases wherever you see the Mastercard logo. Payments are directly deducted from your Kearny Bank business checking account, and you can even use it at any ATM for cash withdrawals, balance checks, and transfers—convenient, simple, and secure transactions with your trusted Kearny Bank partner. In addition, the MoneyPass ATM network allows you to access nearly 40,000 convenient surcharge-free ATMs nationwide.Good News
Effective October 1, 2024, we are pleased to announce that the daily Point-of-Sale (POS) limits for all Kearny Bank Business Debit Mastercards have been increased to $5,000, subject to your available account balance.SecureAlerts
Establish alerts for instant access to purchase activity. Alerts can be set via our mobile app or online banking.Digital Wallet
Add your Kearny Bank Debit Mastercard to your digital wallet for faster purchases in-store, online, and in-app.Customized User Control
Reduce debit card fraud, set spending limits, monitor and manage your card through our mobile app.CardValet
Stay in control of your business debit card with CardValet. Turn your business debit card on or off from the CardValet mobile app and have peace of mind that your account is protected.
See details about your account, set alert preferences, allow and limit transactions based on your geographical location, limit card usage based on merchant type, and establish spending limits.
Automatic Transfer
Anyone can make a mistake. With Kearny Bank’s automatic transfer program you can avoid bounced checks and associated overdraft fees by linking your Kearny Bank savings account to your checking account. If you are overdrawn, funds will be automatically withdrawn from savings. There is no fee unless a transfer occurs.
Courtesy Pay
Courtesy Pay is a discretionary service we offer to cover your overdrafts. Based on account history and past performance, we may honor the payment of automated clearing house (ACH) debits and checks responsible for causing an overdrawn account balance.
Other considerations include:
- Age of account
- Other account balances
- Regularity of deposits
- Previous overdraft activity
- Status of any legal or administrative order or levy
- Status of loan obligations to Kearny Bank
We may charge a $36 fee each time the same paper or electronic item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee due to the same item being presented for payment more than once against non-sufficient or unavailable funds. If the overdraft remains unpaid after the 5th business day, a $7 fee will be charged each business day.
The amount of any overdrafts, including our fees, are due and payable immediately. We retain full discretion to refuse to pay any overdraft for any reason. Our Courtesy Pay policy is to pay items according to dollar amount, starting with the smallest (low to high). Overdrafts will be paid for the following types of transactions:
- Inclearing Checks
- ACH or recurring transactions made using your checking account number, like health club dues, insurance premiums, etc.
- Courtesy Pay may be extended to include ATM withdrawals and debit card transactions, also known as the Regulation E option. Please opt-in for the Regulation E option to be activated by contacting us at 800-273-3406.
Clients may opt out of this discretionary overdraft payment program at any time by contacting us at 800-273-3406.
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