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 ClickSWITCH & CardSWAP Access
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
Free starter checks and if you are 55+, you’ll receive free checks for life
Start receiving rewards with an initial minimum deposit of $50
Earn 2% cash back for the purchases you make every day
Unlimited non-Kearny Bank Domestic and Foreign 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.
$100 initial deposit
Earn interest on all balances
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
Daily liquidity combined with expanded levels of FDIC insurance up to $50 million per individual tax ID number
No withdrawal limitations
Daily balance reporting
Separate monthly investment account statement
Compare Checking Accounts
Choose the best checking account for your needs.
E-Z Checking
Get StartedCash Back Checking
Get StartedAccount Features
Account Features | E-Z Checking | Cash Back 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. | |
| Initial Deposit | $25 | $50 | |
| Interest on Balances | NA | NA | |
| Cash Back | NA | Earn 2% cash back for the purchases you make every day—up to $50 per statement cycle | |
| Non-Kearny Bank Domestic ATM Fee Refunds | NA | Unlimited when qualifications are met | |
| Kearny Bank Debit Mastercard® For ATMs and Everyday Purchases |  | | |
| Check-Writing Capability | | | |
| Qualifications | NA | 10 monthly point of sale purchases that post and clear | |
| Other Benefits | Free starter checks and if you are 55+, you’ll receive free checks for life | NA | |
| Monthly Maintenance Fee | $3 monthly maintenance fee; enroll and receive eStatements to avoid monthly maintenance fee. | $3 monthly maintenance fee; enroll and receive eStatements to avoid monthly maintenance fee. | |
| Minimum Balance Fee | NA | NA |
Digital Banking
Digital Banking | E-Z Checking | Cash Back 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:
EZ Checking
Cash Back Checking
High-Yield 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!
See all calculatorsBrush up on your financial knowledge
Open an account today.
Whatever your goals are, Kearny Bank has the checking account option to meet your financial needs.
1 Third party fees may apply.