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 Mobile Banking with Mobile Deposit
FREE ClickSWITCH & CardSWAP Access
FREE Online Banking with Bill Pay
FREE eStatements
Compare Checking Accounts
Choose the best checking account for your needs.
Account Features
Account Features | Simple Checking | Cash Back Checking | Relationship 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. | Individuals who maintain higher balances and want to earn interest with no cap. |
| Initial Deposit | $25 | $50 | $2,500 |
| Interest on Balances | NA | NA | Earn interest on all balances. Earn higher interest when you maintain an average daily balance of at least $2,500 and when other qualifications are met |
| Cash Back | NA | Earn 2% cash back for the purchases you make every day—up to $50 per statement cycle | NA |
| Non-Kearny Bank Domestic ATM Fee Refunds | NA | Unlimited when qualifications are met | NA |
| Kearny Bank Debit Mastercard® For ATMs and Everyday Purchases |  | | |
| Check-Writing Capability | NA | | |
| Qualifications | 10 monthly point of sale purchases that post and clear | Monthly Direct Deposit and eStatements required | |
| Other Benefits | No overdraft fees | NA | Get bumped up CD rates |
| Monthly Maintenance Fee | $2 monthly maintenance fee; enroll and receive eStatements to avoid $2 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. |
| Monthly Service Charge Fee | $5 | NA | NA |
| Minimum Balance Fee | NA | NA | Maintain at least $2,500 average daily balance to avoid a $25 minimum balance fee. |
Digital Banking
Digital Banking | Simple Checking | Cash Back Checking | Relationship Checking |
|---|---|---|---|
| Online Banking with Bill Pay | | | |
| Mobile Banking | | | |
| Zelle® | | | |
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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:
Simple Checking
EZ Checking
Cash Back Checking
High-Yield Checking
Relationship 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.
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Open an account today.
Whatever your goals are, Kearny Bank has the checking account option to meet your financial needs.