Get More from Your Checking Account

Get more: earn interest without any of the drawbacks.

• Earn interest on all balances.
• Full liquidity of a traditional checking account.
• Non-Kearny Bank Foreign and Domestic ATM Fee refunds up to $25.00 per statement cycle when qualifications are met.

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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. Contact your local branch today for complete details. You will be charged a $3 monthly maintenance fee each monthly statement cycle. The monthly maintenance fee will be waived if you enroll in eStatements. High Yield Checking is available for personal accounts only. One account per depositor.

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. If you are overdrawn, funds will be automatically withdrawn from savings.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 due to 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.