Discover attractive rates and a seamless banking experience while growing your savings.
A Kearny Bank Relationship Money Market account:
- $15,000 minimum deposit to open account
- Earn interest on all balances
- Earn higher interest by maintaining a higher balance
- Waive minimum balance fee when you maintain an average daily balance of at least $15,000
For money market rates in your area, visit our rates page:
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Relationship Money Market Account
| Account | Min Bal. To Obtain APY | Interest Rate | APY | Additional Information |
|---|---|---|---|---|
| RELATIONSHIP MONEY MARKET | $0.00 - $14,999.99 | 0.05 | 0.05 | $15,000 minimum deposit to open account. New money only. New money means funds from outside Kearny Bank. |
| $15,000 - $99,999.99 | 3.68 | 3.75 | $15,000 minimum deposit to open account. New money only. New money means funds from outside Kearny Bank. | |
| $100,000 - $249,999.99 | 3.83 | 3.90 | $15,000 minimum deposit to open account. New money only. New money means funds from outside Kearny Bank. | |
| $250,000 - $499,999.99 | 3.92 | 4.00 | $15,000 minimum deposit to open account. New money only. New money means funds from outside Kearny Bank. | |
| $500,000 - $999,999.99 | 4.07 | 4.15 |
$15,000 minimum deposit to open account. New money only. New money means funds from outside Kearny Bank. |
|
| $1,000,000+ | 4.16 | 4.25 |
$15,000 minimum deposit to open account. New money only. New money means funds from outside Kearny Bank. |
The Annual Percentage Yields (APYs) are effective 12/11/2024. Rates may change after account opening. Fees could reduce earnings.
This account requires a deposit of new money only. New money means funds from outside Kearny Bank. Requirements: Maintain at least $15,000 daily average balance to avoid $20 minimum balance fee. A $3.00 paper statement fee will be assessed each monthly statement cycle, after the first two statement cycles, if you do not maintain eStatements. Relationship Money Market is available for personal accounts only. Restrictions apply. Contact your local branch today for complete details.
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.
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 should 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.