Personal Banking

Free Access Checking

Convenience with no monthly maintenance fee

• No minimum balance requirements or maintenance  fee
• Free Online Banking and Bill Pay
• eStatement access with Online Banking
• 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 MasterCard® 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 (offer 1 per customer, new customers only). 
• Additional discounts on certain loan products

Overdraft Protection Credit Line is available to qualified individuals.