Organic Banking ™
Organic Banking is North Jersey Federal’s new banking package that is healthy for you and the planet. Organic Banking has all the services you need without the fees and additives you don’t want. As part of our commitment to “Going Green” here at North Jersey Federal, we’ve designed Organic Banking to use the best new innovations in technology, like mobile phone banking, home computer banking, easy online bill pay, and of course e-statements, also known as email statements, to save paper and the environment. If you sign up as a new member with an Organic Banking account, you can take advantage of:
A reduced $5 minimum savings balance*
.25% off of auto loans
A discount on our popular Credit Builder Loan
Mobile Money Application
Credit Builder Loan
Borrow money at 7.99%
30 month term
Maximum of $3,000
An interest-baring checking account with a free debit card*
Anywhere online banking from your phone or computer
Easy online access to your statements via e-Statement*
Exclusive local merchant discounts through NJ Preferred
*Requirements*
In order to open an Organic Banking Account, you must:
- Maintain a minimum $5.00 balance in your savings account at all times.
- Enroll in our environmentally friendly e-Statements.
- Open a free checking account with a debit card.
* In order to earn interest on your checking account, you must make a minimum of 5 signature based debit card transactions per month. Do not worry; if you fail to meet that requirement, there are no penalties. You just would not earn interest for that particular month.
Contact a Member Service Representative here at North Jersey Federal and get started with an Organic Banking Account Today!
Mobile Money: Banking on the Go
Mobile Money is our new cell phone banking application. Now you can monitor your accounts, receive alerts, and even transfer funds from wherever you happen to be, all on your cell phone. We have two different versions of the application available: One for those who have internet access from their phone, and one for those who don’t.
If you don’t have internet access, you can send a text message to:
- View Account Balances or
- View Transaction History
- You’ll have 15 SMS text transactions per month for free. Any additional transactions will run $0.05 each.
If you do have internet access, you can log on to:
- View Account Balances
- View Transaction History
- Transfer Funds Between Accounts or Pay Your Bills
There’s no limit to how many transactions you can make utilizing your mobile phone browser…with no charge from us. Mobile Money uses multiple layers of authentication to keep your information completely secure and protected. Mobile Money is available to all of our members who’ve signed up for e-Statements and Home Banking, free of charge.
Sign up by following these step-by-step instructions:
1. Member logs on to Virtual Branch Online Banking.
2. Member clicks the Self Service Tab.
3. Member clicks the Mobile Banking (Mobile Money) Link under Additional Services.
4. Member will be presented with Mobile Banking Terms and Conditions.
5. Accept Terms and Conditions and click Continue.
6. Member selects the account they wish to manage on Mobile Banking.
7. Member enters the cellular number of the phone which they are registering.
8. Member clicks continue.
9. Member selects the level of service from Mobile Banking.
10. Member clicks continue.
11. Mobile Money will send a text message to the Member with an activation code.
12. Member receives activation code and enters it into online banking.
