Personal Banking
Free Access Checking
Convenience with no monthly maintenance fee
- No minimum balance requirements or maintenance fee
- No per-check fees
- No transaction limits
- Free initial supply of 150 basic wallet checks
- Minimum opening deposit of only $100
NJM Bank checking accounts also feature free MasterCardŽ ATM/Check Cards, 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 fee surcharges imposed by other banks
- A one-time credit of $25 after your first direct deposit is received
- Free Online Banking*
- Free Online Bill Pay**
- Additional discounts on certain loan products
Overdraft Protection Credit Line is available to qualified individuals.
* Online Banking costs $3 per month for customers without Direct Deposit.
** Free Online Bill Pay is available to non-Direct Deposit customers for the first six months after they enroll. A $5 monthly charge applies afterwards.
