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Kearny Bank ChangeMakers
Checking Account

The everyday business checking account designed for women business owners

The everyday business checking account designed for women business owners

As a woman business owner or leader, you already have a lot on your plate just to keep your business moving. The Kearny Bank ChangeMakers Checking account was designed with just your needs in mind. Our goal is 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 plus a number of additional benefits for your business. 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.

Special Benefits For Your Business

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:

  • Get $250 towards a Clover POS1
  • Free Liberty Payroll HR On-Demand Services2
  • FREE Positive Pay
  • FREE Incoming Wires
  • FREE Online Banking
  • Discount on First order of checks
  • Option to Open a Line of Credit

1Promotional offer expires June 30, 2024. This offer is available for qualified Kearny Bank merchant services clients who have not had a merchant services account processed by First Data Merchant Services, LLC within six months. New accounts are subject to standard credit approval and underwriting requirements. You must have an annual processing volume of $100,000, purchase a Clover device valued more than $250, and activate a simplified pricing plan account within 30 days to qualify. $250 rebate will be in the form of a statement credit to the merchant’s deposit account that will be initiated no sooner than 60 days after the date the merchant’s account is activated. Only one offer per eligible business. Early termination fees apply. Offer subject to change. Terms and Conditions apply.

2One year of Free HR On-Demand services for any client that signs up for payroll services through this program.

Kearny Bank Business Debit Mastercard®

Use your Kearny Bank Business Debit Mastercard to make everyday purchases wherever you see the Mastercard logo, and purchase payments will be deducted directly from your Kearny Bank business checking account. Your card can also be used at any ATM to get cash, check balances or make transfers.

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 Usage Control: Reduce debit card fraud, set spending limits, monitor and manage your card through our mobile app.

Lost or Stolen Business Debit Mastercard

If your Kearny Bank Business Debit Mastercard is lost or stolen, call us immediately, or control your card via your mobile banking app. During business hours, call 800-273-3406. After business hours, call our afterhours hotline at 800-472-3272.


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.

Important Information for Our Clients

Be on the lookout for ATM skimming. Skimming occurs when criminals attach electronic devices to the card slots of ATMs to capture card numbers and personal identification numbers (PINs).

At Kearny Bank, we strongly encourage our ATM cardholders to periodically change their PINs to protect against fraudulent use of captured card numbers and PINs. You can easily change your PIN by calling 800-992-3808 at any time, day or night.

Overdraft Protection Options

Automatic Transfer

Anyone can make a mistake. With Kearny Bank’s automatic transfer program you'll avoid the embarrassment of bounced checks and associated overdraft fees. Link a Kearny Bank savings account to your checking account and funds are automatically withdrawn from your savings account in the event you are overdrawn. 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 as a result of 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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