Simplify your business finances.

A Checking Account Designed for Businesses with Diverse Accounts and High Transaction Volumes

For businesses juggling multiple accounts or high transaction volumes, our comprehensive banking program streamlines activities while offering treasury management services. Simplify your finances today.

Kearny Bank’s Business Analyzed Checking offers increased convenience and cost-reducing features, which include:

• A multi-purpose account simplifies your business banking

• Additional services such as ACH, Wires, Positive Pay, and RDC can be included

• Earn credits to offset monthly fees for a variety of services when you maintain qualifying balances

• Consolidated statements assist with record-keeping

• Increased time to concentrate on other business activities

• Maximum flexibility to grow as your business needs expand

• FREE Business Debit Mastercard

• Online banking with FREE Bill Pay

• Mobile Banking/Mobile Deposit

To learn more, make an appointment today.

Offset or Minimize Monthly Fees with an Earnings Credit

Every month, an Earnings Credit Rate (ECR) is applied to your account balance, calculated based on the balances in your eligible deposit accounts. The resulting Earnings Credit Allowance (ECA) can be utilized to offset standard account fees. It's important to note that the ECA is not provided as cash, and the earnings are not subject to taxation.

Aggregate Balances Across Accounts

Apply an earnings credit rate to your qualifying account balances across all eligible accounts.

Apply Earnings Credit

An earnings credit will offset all or some of the fees associated with treasury management and deposit products.

Offset Monthly Fees

Our competitive earnings rate can offset potential account fees, excluding overdraft fees, based on your balance.

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 Link a Kearny Bank savings account to your checking account and funds are automatically withdrawn from your savings account in the event you are overdrawn.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.