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StarBanking Plus

The checking account that does it all: get rewarded with discounts and savings, while earning interest.

The checking account that does it all: get rewarded with discounts and savings, while earning interest.

We’ve combined Star Banking and GenGold® Advantage to create a personal checking account that pays interest and offers numerous beneficial financial services, plus a variety of lifestyle benefits and features.

If you have a monthly direct deposit and maintain a combined balance of $20,000 or more (seniors 55+ must have $10,000 or more) in your StarBanking Plus primary account and any savings account (Statement Savings, CD, Money Market, IRA), account fees are waived and you’ll be eligible to save time and money with discounts and rewards on Travel, Online Shopping, Health Care, Fraud Security and more.

GenGold® Advantage

Make personal banking more personally rewarding. Add GenGold Advantage to your Kearny Bank personal checking account for a small monthly fee and save time and money with discounts and rewards on Travel, Online Shopping, Health Care, Fraud Security and more.

ATM Cards

Use your ATM card at any of our convenient locations or at any Accel machine operated by another institution. At Kearny Bank ATMs, obtain inquiries, make deposits or withdrawals, or transfer money between linked accounts at any time of day.

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.

Mobile Wallet: Add your Kearny Bank Debit Mastercard to your mobile 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.

Kearny Bank Rewards: Use your Debit Mastercard for purchases and earn FREE rewards. The more you use your debit card, the more points you earn. Learn More

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.

CardValet®

Stay in control of your debit card with CardValet. Turn your debit card on or off from the CardValet mobile app and have peace of mind that your account is protected.

See details about your account, set alert preferences, allow and limit transactions based on your geographical location, limit card usage based on merchant type and establish spending limits.

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.

Line of Credit
You can also protect yourself from insufficient fund fees by applying for a line of credit and linking it to your checking account. If your checking account is ever overdrawn, the line of credit will automatically kick in to cover any checks up to your line limit. Interest is not charged until this convenient feature is used.

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

Whether paid or unpaid, a fee is charged for each ACH debit or check responsible for causing an overdrawn account balance.

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:

  • In clearing 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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