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Attention Springfield Clients:


Our Springfield branch located at 130 Mountain Avenue, remains closed. Online, mobile, ATM and telephone banking remain accessible. Consider visiting our Harrison, West Orange and Millington branches. A complete listing of these and other locations may be found on our branch and ATM locations page. 



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Frequently Asked Questions

Investor Relations FAQs

Where is the stock listed, and what is its ticker symbol?

Kearny Financial Corp. is listed on the Nasdaq and trades under the ticker symbol [KRNY].

Who is your transfer agent?

What questions about KRNY stock should I refer to the transfer agent?

How can I request additional information from Kearny Financial Corp.?

Mortgage FAQs

How are interest rates determined?

Interest rates are influenced by the financial markets and can change daily – or multiple times within the same day. The changes are based on many different economic indicators in the financial markets. View our current interest rates.

What is a rate lock?

What is the difference between “locking” and “floating”?

When can I lock and how much does it cost?

What is an origination charge?

How much money will be required at closing?

Will homeowners insurance be required at closing?

What is title insurance?

Home Equity FAQs

Do I have to own a home to get a Home Equity Line or Home Equity Line of Credit (HELOC)?

Home equity is what’s available after subtracting what you owe on your mortgage (and any other outstanding liens) from your home’s current market value. If you don’t own a home and need financing, look into a personal loan or a line of credit that doesn’t rely on home equity.

How much can I borrow?

How is the interest rate calculated?

Kearny Insured Liquidity Sweep FAQs

How are banks vetted in the system?

Banks that are deposit taking banks within the program are only considered if they are categorized as “well capitalized” by the FDIC and have no outstanding enforcement actions such as cease and desist orders, particularly as it relates to capital structure. Status is evaluated quarterly.

Have you experienced a bank failure within the program?

How do we know where our money is?

Are there any restrictions or delays to access funds?

What if I already have funds in one or more of the banks in the program?

If we deposit up to the program maximum, is interest posted still insured?

How is interest posted?

How is interest calculated?

Who pays the interest?

SmartCard FAQs

Does SmartCard work on Android phones and iPhones?

Yes. SmartCard works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.

When cardholders receive a reissued or replacement card, will they have to update their cards within the application?

Can multiple cards be linked to one registered SmartCard account?

You can download the card on multiple devices but are requested to indicate which device is “primary.” What is the purpose of assigning a primary device? Can you make changes to the settings from the non-primary devices?

A region has been set on the map. Does this mean the card can only be used exactly in this region?

Are the alerts sent as email or “push” notifications to the device?

Can cardholders block all international transactions?

How are controls established for various merchant types?

A threshold limit of $50 has been set but the user can’t fill gas in some stations. Why?

What type of transactions display in SmartCard?

Why are Balance Inquiry transactions generated when cardholders log on to the SmartCard app?

Beneficial Ownership FAQs

I’ve heard about the beneficial ownership regulation for businesses, what is it and why is it important?

The beneficial ownership regulation is a federal law, effective May 11, 2018 that requires all financial institutions to identify and verify the identity of the beneficial owners of legal entity (certain kinds of businesses) customers as well as a controlling person of the legal entity at the time an account is opened or maintained. The regulation is intended to make financial institutions safer for their customers while protecting the country’s financial system.

Why is Kearny Bank collecting this information?

Is Kearny Bank the only bank required to collect beneficial ownership information?

Who is a “beneficial owner?”

What is a Legal Entity customer?

Will the beneficial ownership rule affect my existing accounts at Kearny Bank?

What if the people who have been identified as beneficial owners or control persons are not clients of Kearny Bank? Do I still need to provide their personal information to Kearny Bank?

My Kearny Bank representative asked me for a Certification of Beneficial Ownership. What is this form and why is it necessary?

Will the beneficial ownership data be stored?

Will the information I provide for beneficial ownership be used for marketing to prospects that do not already have a relationship with Kearny Bank?

How do I get beneficial ownership information back to my Kearny Bank representative?

Given the sensitive nature of the information that is being provided for beneficial ownership, can I provide the details directly to my Kearny Bank representative?

I also have personal accounts with Kearny Bank. Will Kearny Bank also collect beneficial ownership information for my personal accounts?

What if I or my representative is unable to complete the Certification Regarding Beneficial Ownership form when opening the account?


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