Elite Checking
Private Client Elite Checking provides benefits beyond a standard checking account for you and your family.
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No per-check charge and family benefit-sharing are just a few of the many perks you receive with our Elite Checking account:
- FREE Personal Checking account
- FREE Basic Imprinted Checks
- FREE ATM/Debit Mastercard®
- FREE Online Banking with bill pay
- FREE Mobile Banking with mobile deposit
- FREE Standard Safe Deposit Boxes (where available)
- Bumped-up CD rates
- Foreign ATM Transaction Rebate (up to $10 per month)
- Health Savings Account (HSA)
- $25,000 minimum opening balance
- $250,000 combined total client relationship
Private Client Debit Card
Easily access the funds in your Elite Checking account to make sizeable purchases. Our Private Client debit card provides you a generous $7,500 daily purchase limit, in addition to a $1,000 daily withdrawal limit at ATMs.
Also enjoy the peace of mind of knowing there’s no fee should your card ever be lost or stolen. Your replacement card will be given to you at no cost, as well as the issuance of a temporary card to be used until your new card arrives.
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 In the event you are overdrawn funds are automatically withdrawn from your savings.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.