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 MasterCard® 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 (offer 1 per customer, new customers only).
• 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.