Personal Banking
Advantage Checking
Combines the advantages of a high-yield money market interest rate with unlimited check-writing ability
- Your interest rate increases as balances rise. Interest is paid on all balances when account balance remains above $500
- No monthly maintenance fee if your average monthly balance stays above only $5001
- No per-check fees
- Free initial supply of 150 basic checks
- Minimum opening deposit of only $500
NJM Bank checking accounts also feature free MasterCardŽ ATM/Check Card, no ATM fees, no transaction fees, low deposit requirements, and free Telephone Banking .
Enhance your benefits with Direct Deposit
When you enroll in Direct Deposit of at least $100 per month of your pay, pension or Social Security into your new account you will receive:
- Rebates of up to $8 per monthly statement cycle for ATM surcharge fees imposed by other banks
- A one-time credit of $25 after your first direct deposit is received
- Free Online Banking2
- Additional discounts on certain loan products
In addition, free electronic Bill Pay service is available for the first six months after you enroll. A $5 monthly charge applies afterwards. Overdraft Protection Credit Line is available to qualified individuals.
1 If the average balance during the monthly statement cycle period falls below $500, a $5 maintenance fee will be assessed.
2 Online Banking costs $3 per month for customers without Direct Deposit.
