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Checking Accounts

Save yourself time & money with Basic or Cash Back Checking

Basic Checking

Access to your finances with an NJFCU Basic Checking account.


No application fee
No monthly maintenance fee
No minimum balance requirement
No per check fees
30,000+ surcharge-free ATM access (CO-OP Network)
FREE EMV – chip enabled MasterCard Debit Card
FREE Online Banking & Mobile Banking

FREE BillPay & eStatements

Overdraft Protection is available

Cash Back Checking

Our NJFCU Cash Back Checking account puts your hard-earned money right where you want it, into your bank account*.

*To earn 2% cash back (up to $6) on debit card purchases posted to your account, you must have 18 or more debit card purchases posted per payment cycle to your account; been enrolled in both online banking and eStatements; and must have at least one deposit post during each statement cycle. If requirements are met, we will post cash back rewards to your account by the 15th of the following month. If you don’t qualify, don’t worry – your account is still free, and you can get right back to earning rewards the very next cycle. No monthly fee as long as $100 average minimum monthly balance is maintained.


  • Get 2%* Cash Back on up to $300 of debit card purchase every month!
  • Earned money automatically goes back into your account
  • No minimum balance requirement*
  • Free Online Banking and Mobile Banking services
  • Send, request and receive payments securely with Popmoney®
  • Free chip-enabled MasterCard® debit card
  • Free Access to over 30,000 NJFCU and CO-OP ATMs
  • Overdraft Protection is available

Business Checking

Planning for the financial future of your business has never been easier with NJFCU Business Checking.

It’s Easy!

Planning for the financial future of your business has never been easier. It is the checking account designed with your business in mind.


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Careers at NJFCU


Join our team and find out what makes North Jersey Federal Credit Union a great place to work and bank.

Community at NJFCU

NJFCU Community

North Jersey FCU is and always have been committed to strengthening the quality of life for our members, friends, families, and neighbors in the New Jersey community.

NJFCU Partners

NJFCU Partners

Enhance your compensation package at no cost to your employees.

Member Discounts at NJFCU

Member Discounts

Being a Member has it’s perks! Take advantage of exclusive North Jersey FCU member discounts and great offers.

Need More Help with a Checking Account?

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