skip to main content


Enroll Now Learn More Help Center



Your Benefits

No per check charge and family benefit-sharing are just a few of the many perks you receive with our Elite Checking account:

  • $25,000 mobile deposit limit after the first 30 days of account opening
  • No Per Check Fee
  • No fees on cash deposits
  • Unlimited foreign ATM fee rebates each statement cycle
  • No fee on incoming wires
  • No fee for online banking access
  • Private Client imprinted debit card and checks
  • No fee for personal style checks when ordered through Private Client
  • Ability to extend Private Client benefits to family members


  • $25,000 minimum opening balance
  • $250,000 combined total client relationship

Qualifications need to be met to receive benefits. To earn the initial interest rate, maintain an average monthly balance of $250,000 within Kearny Bank among checking, savings, and money market and receive one direct deposit each statement cycle. The requirements are waived for the first 2 statement cycles for new accounts only. After, maintain an average monthly balance of $250,000 in required accounts to avoid a $35 service fee. eStatements required within 60 days of account opening to avoid a monthly $3 paper statement fee.

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.


Your Additional

Account Features

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.

Card Control

Stay in control of your debit card with the Kearny Bank Mobile App. Turn your debit card on or off from our mobile app and have peace of mind that your account is protected. Access 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 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 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.


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.