Personal Banking

Advantage 55 Checking

Interest-bearing account designed exclusively for customers age 55 and older

• No monthly maintenance fee
• Competitive rate of interest paid on all balances when account balance remains above $100
• No per-check fees
• No transaction limits
• Free standard wallet checks, including reorders
• Free money orders and cashiers checks
• 50% discount on single-signature American Express Travelers Cheques®
• Free stop payments
• Additional discounts on certain loan products
• Minimum opening deposit of only $100

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 Banking

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.

*Direct Deposit to the Advantage 55 Checking account of at least $100 per month is required.