Explore our diverse checking account options.
At Kearny Bank, personal checking is just that – personal. See our flexible, personalized, checking account offerings, and discover the benefits and features of each account to find the perfect fit for your lifestyle.
Checking Account Benefits:
At Kearny Bank, we offer a variety of checking accounts tailored to meet your financial needs. Each comes with built-in features including:
FREE ATM/Debit Mastercard®
FREE Mobile Banking with Mobile Deposit
FREE ClickSWITCH & CardSWAP Access
FREE Online Banking with Bill Pay
FREE eStatements
Checking Account Options
Find flexibility, built-in features and a host of services from personal checking account options that suit how you want to bank.
$25 Initial Deposit
No overdraft fees
FREE Online Banking with Bill Pay
FREE Mobile Banking
FREE Debit Mastercard®
FREE eStatements
$100 initial deposit
Earn interest on all balances
No monthly fees
Unlimited monthly Non-Kearny Bank Domestic ATM Fees refunds when qualifications are met
Account subject to the following qualifications: Make 10 monthly point-of-sale purchases that post and clear, sign up to receive monthly eStatements and have at least one monthly direct deposit or automatic payment post and clear your account.
Account can be opened with an initial minimum deposit of $100
No monthly fees
Interest earned on the entire balance
Receive paper statements at no extra cost
$25 initial deposit
No monthly fees
Free starter checks and if you are 55+, you’ll receive free checks for life
Expanded levels of FDIC insurance
Earns a competitive interest rate
No withdrawal limitations
Daily balance reporting
Separate monthly investment account statement
Start receiving rewards with an initial minimum deposit of $50
Earn 2% cash back for the purchases you make every day
No monthly fees
Unlimited non-Kearny Bank Domestic ATM fee refunds when qualifications are met
Account subject to the following qualifications: Make 10 monthly point-of-sale purchases that post and clear, and receive monthly eStatements.
Earn interest on all balances with a minimum deposit of $2,500
Earn even higher interest on average daily balances of $2,500 or more and get bumped up CD rates when qualifications are met
No monthly maintenance fees when an average daily balance is met
*This account requires a deposit of new money only. New money means funds from outside Kearny Bank. To waive monthly service fees: receive monthly eStatements, and maintain an average daily balance of at least $2,500. To earn higher interest: receive monthly eStatements, maintain an average daily balance of at least $2,500, and receive 1 direct deposit each statement cycle. Relationship Checking is available for personal accounts only. Restrictions apply. Contact your local branch today for complete details.
Compare Checking Accounts
Choose the best checking account for your needs.
Account Features
Account Features | Simple Checking | Cash Back Checking | Relationship Checking |
|---|---|---|---|
| Best Suited For | Those just starting their financial journey or anyone looking for a simple, hassle-free way to manage their everyday banking needs. | Anyone who frequently uses their debit card and wants to be rewarded for their spending. | Individuals who maintain higher balances and want to earn interest with no cap. |
| Initial Deposit | $25 | $50 | $2,500 |
| Interest on Balances | NA | NA | Earn interest on all balances. Earn higher interest when you maintain an average daily balance of at least $2,500 and when other qualifications are met |
| Monthly Maintenance Fee | $5 | $0 | Maintain at least $2,500 daily average balance to avoid $25 monthly fee |
| Cash Back | NA | Earn 2% cash back for the purchases you make every day—up to $50 per statement cycle | NA |
| Non-Kearny Bank Domestic ATM Fee Refunds | NA | Unlimited when qualifications are met | NA |
| Kearny Bank Debit Mastercard® For ATMs and Everyday Purchases |  | | |
| Check-Writing Capability | NA | | |
| Qualifications | Sign up for eStatements to avoid $2 monthly paper statement fee | 10 monthly point of sale purchases that post and clear; enroll and receive monthly eStatements to avoid $3 monthly paper statement fee | Monthly Direct Deposit and eStatements required; enroll and receive monthly eStatements to avoid $3 monthly paper statement fee |
| Other Benefits | No overdraft fees | NA | Get bumped up CD rates |
Digital Banking
Digital Banking | Simple Checking | Cash Back Checking | Relationship Checking |
|---|---|---|---|
| Online Banking with Bill Pay | | | |
| Mobile Banking | | | |
| Zelle® | | | |
What our clients are saying...
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FAQs
Find answers to common questions about Kearny Bank and our services.
We offer a variety of checking options to match your needs. These include:
Simple Checking
EZ Checking
Cash Back Checking
High-Yield Checking
Relationship Checking, Senior Checking
Kearny Insured Liquidity Sweep
Each option is designed to help you manage your money confidently and conveniently.
To open an account, you must meet the following criteria:
Be a legal U.S. resident
Live in New Jersey or New York
Be at least 18 years old
Have a valid Social Security number
Provide a government-issued photo ID
With Cash Back Checking, you earn 2% cash back on everyday purchases. Start enjoying rewards with a minimum opening deposit of just $50.
Financial Calculators
Take control of your finances with easy-to-use tools for budgeting, saving, and loan planning. Make informed decisions and plan for the future with confidence!
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Open an account today.
Whatever your goals are, Kearny Bank has the checking account option to meet your financial needs.