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
$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
Receive paper statements at no extra cost
Daily liquidity combined with expanded levels of FDIC insurance
No withdrawal limitations
Daily balance reporting
Separate monthly investment account statement
Account Features | Simple Checking | Rewards Checking | High Yield Checking | Senior Checking |
|---|---|---|---|---|
Common Account Features | All accounts include: FREE ATM/Debit Mastercard, FREE Mobile Banking with Mobile Deposit, FREE ClickSWITCH & CardSWAP Access, FREE Online Banking with Bill Pay, FREE eStatements | |||
| Monthly Maintenance Fee (Monthly maintenance fee waived if enrolled in eStatements) | $3 | $3 | $3 | $0 |
| Product Fee¹ | N/A | $5.95 | N/A | N/A |
| Minimum Initial Deposit | $25 | $1,000 | $100 | $100 |
| Earns Interest | N/A | N/A | ✓ | N/A |
| Cash Back | N/A | 1% cash back on everyday purchases | N/A | N/A |
| ATM Fee Refunds | N/A | Up to $10 per statement cycle | Up to $25 per statement cycle | N/A |
| Check-Writing Capability | ✓ | ✓ | ✓ | ✓ |
| Checks | Fee applies (FREE for age 55+) | Fee applies | Fee applies | FREE basic checks |
| Overdraft Protection | ✓ | ✓ | ✓ | ✓ |
| eStatements | ✓ | ✓ | ✓ | Choice of paper or eStatements |
| Telephone Banking | ✓ | ✓ | ✓ | ✓ |
| Complimentary Investment Consultation | ✓ | ✓ | ✓ | ✓ |
| Premium Benefits* | ||||
| Identity Theft Expense Reimbursement Coverage² Reimbursement up to $10,000 for expenses associated with identity restoration. | N/A | ✓ | N/A | N/A |
| Identity Theft Resolution Services Access to a dedicated fraud resolution specialist assigned to manage your case until your identity is restored. | N/A | ✓ | N/A | N/A |
| Identity Monitoring Monitoring of over 1,000 databases to identify suspicious activity. Registration/activation required. | N/A | ✓ | N/A | N/A |
| Dark Web Monitoring Monitoring of over 1,000 databases to identify suspicious activity. Registration/activation required. | N/A | ✓ | N/A | N/A |
| Cyber Recovery™ 24/7 access to personal cyber advocates who provide support and guidance to help navigate and mitigate the impact of hacking and other cyber incidents. | N/A | ✓ | N/A | N/A |
| Cell Phone Protection² Receive up to $600 of replacement or repair costs for damaged or stolen phones. | N/A | ✓ | N/A | N/A |
| Debit Advantage®² Buyer’s Protection & Extended Warranty (Item(s) must be purchased entirely with this account for coverage.) | N/A | ✓ | N/A | N/A |
| Roadside Assistance Service² 24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/water delivery, and tire, battery and lock-out assistance. | N/A | ✓ | N/A | N/A |
| Travel & Leisure Discounts Save big with deep discounts at thousands of local and national businesses. Registration/activation required. | N/A | ✓ | N/A | N/A |
| Telehealth³ Anytime access to video or phone visits with licensed physicians and mental health care professionals with no co-pays. | N/A | ✓ | N/A | N/A |
| Health Discount Savings⁴ Enjoy savings on vision, prescriptions and dental services. | N/A | ✓ | N/A | N/A |
| Ready to Open an Account? | Simple Checking | Rewards Checking | High Yield Checking | Senior Checking |
1Product fee waived if balance is $10,000 or more. Rewards Checking: Account requires new money only, funds from outside Kearny Bank. To receive one (1%) cash back up to $10 and ATM Fee reimbursement up to $10 receive monthly eStatements instead of paper. A $3.00 Maintenance Fee will be assessed each monthly statement cycle. This Maintenance Fee will be waived if you enroll in eStatements. Personal accounts only. Restrictions apply.
High Yield Checking: Account subject to the following qualifications: Just make 10 monthly point-of-sale purchases that post and clear, receive monthly eStatements and have at least one monthly direct deposit or automatic payment post and clear your account. Qualifying transactions must post and clear during the monthly qualification cycle. Restrictions apply. High Yield Checking is available for personal accounts only. One account per depositor.
*Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and/or insurance documents can be found online on your Kearny Bank online or mobile banking account. Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.
3Registration/activation required. Available for the primary account holder and their joint account holder(s). This is NOT insurance.
4Registration/activation required. This is NOT insurance.
What our clients are saying...
Find a Kearny Bank branch near you
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:
Simple Checking
Rewards 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
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.