Personal Services Checking

Everybody seems to use his or her checking account a little differently. At Kearny Federal Savings Bank, we’ve designed our checking accounts to provide more flexibility and more features, so you can use your checking account exactly the way you want. Plus, every account comes with the kind of personal service you expect from Kearny Federal Savings.
E-Z Checking (NJ Consumer Checking)
There's no minimum balance requirement and no monthly maintenance fees. It's the perfect account to use with Internet Banking.
N.O.W. Checking
The account that pays interest with the convenience of unlimited check writing. There are no monthly maintenance fees when you maintain a $100 minimum balance. Put your money to work in an interest bearing N.O.W. Checking account.
GenGold® Checking
This interest-bearing account offers the same banking benefits as our N.O.W. checking account plus provides guaranteed savings on travel, national retailers, entertainment, groceries and so much more! This account requires a low monthly maintenance fee of $4.00. More Info >
StarBanking Plus
Our exclusive relationship account with special benefits on a number of banking services plus all the advantages of GenGold®. With direct deposit and a combined balance of $20,000 or more (seniors 55 and over must have $10,000 or more) in your Star Checking primary account and any savings account (Passbook/Statement Savings, CD, Money Market, IRA), you can receive a variety of financial and lifestyle benefits and features. More Info >
High Yield Checking
Our newest checking account! It pays a great rate on your funds while offering the full liquidity of a checking account. More Info >
Overdraft Protection
Automatic Transfer:
Anyone can make a mistake. With Kearny Federal Savings automatic transfer program you’ll avoid the embarrassment of bounced checks and associated overdraft fees. Link a KFS savings account to your checking account and funds are automatically withdrawn from your savings account in the event you are overdrawn. This service is free unless a transfer occurs.
Line of Credit:
You can also protect yourself from insufficient fund fees by applying for a line of credit and linking it to your checking account. If your checking account is ever overdrawn, the line of credit will automatically kick in to cover any checks. This convenient feature costs nothing until it’s used.
OOPS!™ (Occasional Overdraft Privilege Service):
If you have ever made a mistake in your checking account or written a check for more money than the available balance in the account, you are aware of the expenses and problems associated with inadvertent overdrafts. We can help you avoid these situations. Rather than automatically returning unpaid or any non-sufficient fund items you may have, we’ll consider payment of your reasonable overdrafts, as long as you maintain your checking account in good standing. You don’t have to do anything special or sign any additional documents to qualify for this discretionary overdraft service, and if you never need or use OOPS!TM, it costs you nothing! Service available 30 days after account opening.