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Basic Checking

Free EMV, Free Online & Mobile Banking, Free BillPay & eStatements

No Monthly Service Fees

A North Jersey FCU Basic Checking account offers benefits that will help save you time and money. Best of all there’s no monthly service fees.

Take advantage & Sign up today

Offering benefits that will help save you time and money.


  • No application fee
  • No monthly service 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 & Mobile Banking
  • FREE BillPay & eStatements
  • Overdraft Protection is available
**Basic checking requires minimum average daily balance of $100. A $7 monthly fee will be charged it the required minimum average daily balance is not maintained.

NJFCU has the checking accounts that work for you.

Whether you’re looking for a low opening deposit or an account that earns interest, we have the specialized checking accounts with the extras that you need the most.

$50 min. opening deposit

Avg. balance of $100 = No fees

Free estatements, & No Minimum balance requirement

2% cashback on debit card purchases

Simple-to-use digital tools

Free ATM withdrawals

Experience the CU Difference

Fewer Fees, Better Rates

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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.

Member Login

Online Banking:


>In observance of Independence
Day, All NJFCU branches will be
Closed Monday July 4th, 2022.
We will resume normal business
hours, Tuesday July 5th, 2022.

Please visit our website, mobile
and app, or one of our convenient
ATM locations to access your
account. Thank you.