skip to main content

FDIC-Insured - Backed by the full faith and credit of the U.S. Government


FDIC-Insured - Backed by the full faith and credit of the U.S. Government


Enroll Now Learn More Help Center

Relationship Checking Account

Earn interest without maintaining high monthly balances with a relationship checking account.

Earn interest without maintaining high monthly balances with a relationship checking account.

Relationships matter at Kearny Bank. With a relationship checking account, you can:

  • Open an account with an initial minimum deposit of $2,500
  • Earn interest on all balances
  • Earn even higher interest when you maintain an average daily balance of at least $2,500 and when qualifications are met
  • Plus, when qualifications are met, you’ll even receive increased CD rates with even higher interest (on non-promotional CDs).

Have automated payments pulling from old accounts? Consolidate to one account today. Get started with ClickSWITCH today.

This account requires a deposit of new money only. New money means funds from outside Kearny Bank. To waive monthly service fees: receive monthly eStatements, and maintain an average daily balance of at least $2,500. To earn higher interest: receive monthly eStatements, maintain an average daily balance of at least $2,500, and receive 1 direct deposit each statement cycle. Relationship Checking is available for personal accounts only. Restrictions apply. Contact your local branch today for complete details.

ATM Cards

Conveniently use your ATM card at any of our multiple locations or any Accel machine, even those run by other institutions.  In addition, the MoneyPass ATM network allows you to access nearly 40,000 convenient surcharge-free ATMs nationwide.

Kearny Bank Debit Mastercard®

With your Debit Mastercard, you have the freedom to make purchases anywhere Mastercard is accepted. Payment deductions are directly made from your account, and you can also use it to get cash, check balances or make transfers at any ATM.

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, and monitor and manage your card through our mobile app.

Interactive Video Player

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 after-hours hotline at 800-472-3272.

Important Information for Our Clients

Your privacy is important to us. Watch out 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).

We strongly encourage our ATM cardholders to periodically change their PINs to protect against fraud using 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. 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.


Leaving Website Disclosure

This link will redirect you to a site that may have certain associated risks, including not being insured by federal deposit insurance.

To remain at our site, click BACK. To leave our site for the link you selected, click OK.

Thank you for visiting Kearny Bank's website.