Kasasa Cash® or Cash Back® Checking. You win either way.
Make the account you use most even better with Kasasa Cash® or a Kasasa Cash Back® Checking from Credit Union of New Jersey. Kasasa Cash® lets you earn a high-rate, paid monthly, with no fees¹ and no minimum balance required to earn interest.
Kasasa Cash® Checking provides a rate of return of 6.00% APY¹ on balances up to $25,000 with no monthly fees, no minimum account balance and refunds on nationwide ATM withdrawal fees.
Kasasa Cash Back® Checking pays you for doing what you already do. Whether you’re browsing your local farmers’ market or fueling up at the pump, you'll get 4.00% cash back² on your debit card purchases with no monthly fees, no minimum account balance and refunds on nationwide ATM withdrawal fees.
Like to compare? See which of our checking accounts best fits your lifestyle.
| Account Type | Kasasa Cash® Checking¹ | Kasasa Cash Back® Checking² | Student Checking (Ages 13-18) | Senior Checking (Ages 55+) | |
|---|---|---|---|---|---|
| Minimum to Open | Just $5³ | Just $5³ | Just $5³ | Just $5³ | |
| Minimum Balance Requirement | $0³ | $0³ | $0³ | $0³ | |
| Monthly Fee | $0⁴ | $0⁴ | $0⁴ | $0⁴ | |
| Pays Dividends | No | No | No | ||
| Cash Back | No | No | No | ||
| ATM Withdrawal Fee Refunds | No | No | |||
| FREE MasterCard® Debit Card issued INSTANTLY⁵ | |||||
 Apple Pay™ |
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 Samsung Pay™ |
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 Google Pay™ |
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| FREE Mobile Banking | |||||
| FREE e-Banking | |||||
| FREE Bill Pay | |||||
| FREE e-Statements | |||||
| Mobile e-Deposit | |||||
| Access to 30,000+ Surcharge-Free ATMs Nationwide | |||||
| Access to 5,000+ Shared Branches (60+ in NJ and PA) | |||||
| Overdraft Protection Available | |||||
| Debit Card Alerts |
Right Turn Checking
Our Right Turn Checking Account is the perfect account for members who are NOT eligible for our conventional checking accounts. Members may use this account to clear-up past banking issues, and after 12 months re-apply for a standard checking account. Members have access to a free Debit Card, e-Banking, Bill Payer and e-Statements.
| Account Type | Right Turn Checking⁶ |
|---|---|
| Minimum opening deposit | $100 and successful completion of the checking management class on Balancepro.org |
| Minimum balance | $0 |
| Monthly fee | $10 |
| Withdrawals/Transfers | Unlimited, but there is no check-writing |
| Dividends | Does not earn dividends |
| Account access | Members may access the account in person, at ATMs nationwide, with a Basic Debit Card, e- Banking, Bill Payer Bill Payer (18 and older ), and Mobile Banking |
| Statements | Free monthly e-Statements |
| Overdraft Protection | Not available |
It's never too early to get money smart.
If you have a teenager between the ages of 13 and 18 in your house, you'll want to look into our Student Checking Account. It's free and can really help you teach your kid how to manage their own finances.
Members 18 and older are automatically enrolled in our Relationship Rewards Program (exclusions apply)*. You don't have to do a thing, except reap the benefits—perks like loan discounts, special offers, other discounts and free products and services. Simply put, the stronger your relationship with us, the greater your benefits will be.
Impressive, right? And here are four more tremendous advantages you'll enjoy as a CU of NJ checking account holder.
Make your checking account work even harder with:
Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH credit, ACH payment or Bill Pay transaction(s)
- At least 12 PIN-based / signature-based debit card purchases
- Be enrolled in and have agreed to receive e-statements rather than paper statements
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.
"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.
Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 5.98% resulting in an APY of 6.00%; and daily balances over $25,000 earn a dividend rate of 0.75% on the portion of the daily balance over $25,000, resulting in a range from 6.00% to 1.80% APY depending on the account's daily balance.
You will receive reimbursements up to $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle when qualifications are met. A foreign ATM fee reimbursement cap of up to $4.99 per transaction applies when qualifications are met. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash account qualifications are not met, ATM withdrawal fees are not refunded.
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.01% resulting in an annual percentage yield of 0.01% and ATM withdrawal fees are not refunded.
Dividends will be credited to your Kasasa Cash account on the first processing/business day of the following statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 09/01/2023.
APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
A $5 minimum deposit is required to open the account. Limit of one account per member.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA.
Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH credit, ACH payment or Bill Pay transaction(s)
- At least 12 PIN-based / signature-based debit card purchases
- Be enrolled in and have agreed to receive e-statements rather than paper statements
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle.
Reward Information:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4% cash back on up to a total of $250.00 on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle when qualifications are met. A foreign ATM fee reimbursement cap of up to $4.99 per transaction applies when qualifications are met. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing/business day of the following statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $5 minimum deposit is required to open the account. Limit of one account per member.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
To open a CU of NJ checking account, member eligibility is required. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group. Membership deposit of $5.00 is required at all times in your Main Share Savings Account. All consumer memberships are part of our Relationship Rewards program and the great benefits. A non-participation fee of $10.00 is charged to the base savings account for membership/households not meeting the minimum requirements of the Silver Tier each month. See full program details.
A $10.00 monthly fee is charged if the average daily balance falls below $1,000. Review our Rates and Fee Schedule for details.
Instant Issue only applies to in-branch visits, except the ETS and DOT branches. Credit Union of New Jersey does not mail instant issue Debit Cards, nor do we prepare them in advance of member's in-branch visit.
To be eligible for Right Turn Checking, you must be 18 years of age or older and have been denied a CU of NJ Checking Account and/or Debit Card, must have no CU of NJ charge-offs and must have no current CU of NJ delinquencies.