Flexible Checking Options. Made to Fit You. There’s a reason they call it personal checking - only you know what you need most out of a checking account.
At Kearny Bank, we’ve designed our personal checking accounts with more flexibility and more features built-in, to make it easy to find an account that suits the way you want to bank.
All Our Checking Accounts Include:
- FREE ATM/Debit Mastercard®
- FREE Online Banking with Bill Pay
- FREE Mobile Banking with Mobile Deposit
- FREE eStatements
- FREE ClickSWITCH Access
| ACCOUNTS | BEST FOR | INITIAL DEPOSIT | INTEREST BEARING | MONTHLY MAINTENANCE FEE | OTHER REQUIREMENTS |
|---|---|---|---|---|---|
| KEARNY INSURED LIQUIDITY SWEEP | Maximize interest overnight and still have funds available in the morning | $245,000 | on entire balance | None | Deposits up to $40,000,000 per individual tax ID |
| RELATIONSHIP CHECKING | Earn higher interest with no limit on balances | $2,500 | $2,500 to earn the APY | Maintain at least $2,500 daily average balance to avoid $25 monthly fee | Monthly Direct Deposit and receive monthly eStatements |
| HIGH YIELD CHECKING | Earn higher interest on balances up to and including $25,000 | $100 | $100 to earn the APY | None | Monthly Direct Deposit or Automatic Payment; 10 monthly point of sale purchases that post and clear; enroll and receive eStatements; $3 monthly paper statement fee |
| CASH BACK CHECKING | Get rewarded with cash back payments on your point of sale purchases | $50 | NA | None | 10 monthly point of sale purchases that post and clear; enroll and receive monthly eStatements |
| SENIOR CHECKING | Earn interest and receive paper statements without the worry of monthly fees | $100 | on entire balance | None | Primary account holder must be at least 60 years of age |
| E-Z CHECKING | Traditional checking without the worry monthly fees | $25 | NA | None | None |
| SIMPLE CHECKING | A checkless account with no overdraft fees | $25 | NA | $5 | Sign up for eStatements to avoid $2 monthly paper statement fee |
Kearny Insured Liquidity Sweep
Maximize your interest without ever lifting a finger.
- Expanded levels of FDIC insurance
- Earns a competitive interest rate
- No withdrawal limitations
- Daily balance reporting
- Separate monthly investment account statement
Relationship Checking
A checking account that earns interest and perks.
- 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
High Yield Checking
Your checking account should give you more. Earn outstanding interest, without any of the drawbacks.
- Earn interest on all balances
- No monthly fees
- Unlimited monthly Foreign ATM fee refunds when qualifications are met
- Account subject to the following qualifications: Just 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.
Cash Back Checking
The checking account that PAYS you cash back on your point of sale purchases.
- Earn 1% cash back for the purchases you make every day
- Start receiving rewards with an initial minimum deposit of $50
- No monthly fees
- Unlimited foreign ATM refunds when qualifications are met
- Account subject to the following qualifications: Just make 10 monthly point of sale purchases that post and clear, and receive monthly eStatements
Senior Checking
A free checking account for people who are 60+
- Account can be opened with an initial minimum deposit of $100
- No monthly fees
- Interest earned on entire balance
- Receive paper statements at no extra cost
E-Z Checking
Traditional checking without the worry of monthly fees.
- $25 initial deposit
- No monthly fees
- Free starter checks and if you are 55+, you’ll receive free checks for life
Simple Checking
A checkless account with no overdraft fees.
- No overdraft fees
- FREE Online Banking with Bill Pay
- FREE Mobile Banking
- FREE debit card
- FREE eStatements