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Our Pleasantdale / West Orange branch is temporarily closed. View a full listing of our branches here.

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Attention Digital Banking Clients

Scammers are contacting clients looking for banking information, including online banking credentials. Kearny Bank will never call or text asking for your online banking credentials. If you receive a similar call do not respond or share any information. If information is inadvertently released, please contact Kearny Bank at 800-273-3406.

PERSONAL & BUSINESS BANKING

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Cash Back Checking Account

Earn cash back every month with Kearny Bank’s cash back checking account.

Earn cash back every month with Kearny Bank’s cash back checking account.

We are here to help you make the most of your money. With our cash back checking account:

  • Earn 1% cash back for the purchases you make every day
  • You can open an account with an initial minimum deposit of $50
  • Cash back is paid on the first business day of the following month for all qualifying point-of-sale transactions. Earn up to $10 per statement cycle when qualifications are met.
  • Unlimited non-Kearny Bank Domestic ATM fee refunds when qualifications are met.

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This checking account requires a deposit of new money only. New money means funds from outside Kearny Bank. At least 10 Kearny Bank point-of- sale transactions per month must post and clear and receive monthly eStatements. Cash Back Checking is available for personal accounts only. Restrictions apply. Contact your local branch today for complete details. One account per depositor.

Kearny Bank Debit Mastercard®

Use your Debit Mastercard to make everyday purchases anywhere Mastercard is accepted, and purchase payments will be deducted directly from your account. Your card can also be used at any ATM to get cash, check balances or make transfers.

SecureAlerts: Establish alerts for instant access to purchase activity. Alerts can be set via our mobile app or Online Banking.

Digital Wallet: Add your Kearny Bank Debit Mastercard to your digital wallet for faster purchases in-store, online and in-app.

Customized Usage Control: Reduce debit card fraud, set spending limits, monitor and manage your card through our mobile app.


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Lost or Stolen ATM or Debit Mastercard

If your Kearny Bank ATM or Debit Mastercard is lost or stolen, call us immediately, or control your card via your Mobile Banking app. During business hours call 800-273-3406. After business hours, call our afterhours hotline at 800-472-3272.

Important Information for Our Clients

Be on the lookout for ATM skimming. Skimming occurs when criminals attach electronic devices to the card slots of ATMs to capture card numbers and personal identification numbers (PINs).

At Kearny Bank, we strongly encourage our ATM cardholders to periodically change their PINs to protect against fraudulent use of captured card numbers and PINs. You can easily change your PIN by calling 800-992-3808 at any time, day or night.

Overdraft Protection Options

Automatic Transfer
Anyone can make a mistake. With Kearny Bank’s automatic transfer program you can avoid bounced checks and associated overdraft fees by linking your Kearny Bank savings account to your checking account. In the event you are overdrawn funds will be automatically withdrawn from savings. 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.

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