Maximize the return on your money. The more you save, the more you earn!
Consider opening a Special Money Market account today and start earning interest on your savings while still maintaining easy access to your funds. This is a great way to grow your savings while having the flexibility to manage your finances. Our high interest money market accounts offer:
- $25,000 minimum deposit to open account
- Grow your savings with five interest tiers based on your balance
- Earn interest on all balances
- Check writing privileges
- FREE Online Banking & Bill Pay
- FREE Mobile Banking with mobile deposit
- FREE eStatements
View Rates
ATM Cards
Conveniently use your ATM card at any of our multiple locations or any Accel machine, even those run by other institutions. In addition, the MoneyPass ATM network allows you to access nearly 40,000 convenient surcharge-free ATMs nationwide.
Kearny Bank Debit Mastercard®
Use your Debit Mastercard to make everyday purchases anywhere Mastercard is accepted, and purchase payments will be deducted directly from your account. Your card can also be used at any ATM to get cash, check balances or make transfers.
SecureAlerts: Establish alerts for instant access to purchase activity. Alerts can be set via our mobile app or Online Banking.
Mobile Wallet: Add your Kearny Bank Debit Mastercard to your mobile wallet for faster purchases in-store, online and in-app.
Customized Usage Control: Reduce debit card fraud, set spending limits, monitor and manage your card through our mobile app.
Lost or Stolen ATM or Debit Mastercard
If your Kearny Bank ATM or Debit Mastercard is lost or stolen, call us immediately, or control your card via your Mobile Banking app. During business hours call 800-273-3406. After business hours, call our afterhours hotline at 800-472-3272.
Important Information for Our Clients
Be on the lookout for ATM skimming. Skimming occurs when criminals attach electronic devices to the card slots of ATMs to capture card numbers and personal identification numbers (PINs).
At Kearny Bank, we strongly encourage our ATM cardholders should periodically change their PINs to protect against fraudulent use of captured card numbers and PINs. You can easily change your PIN by calling 800-992-3808 at any time, day or night.
Overdraft Protection Options
Automatic Transfer
Anyone can make a mistake. With Kearny Bank’s automatic transfer program you can avoid bounced checks and associated overdraft fees by linking your Kearny Bank savings account to your checking account. In the event you are overdrawn funds will be automatically withdrawn from savings. There is no fee unless a transfer occurs.
Courtesy Pay
Courtesy Pay is a discretionary service we offer to cover your overdrafts. Based on account history and past performance, we may honor the payment of automated clearing house (ACH) debits and checks responsible for causing an overdrawn account balance.
Other considerations include:
- Age of account
- Other account balances
- Regularity of deposits
- Previous overdraft activity
- Status of any legal or administrative order or levy
- Status of loan obligations to Kearny Bank
We may charge a $36 fee each time the same paper or electronic item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of the same item being presented for payment more than once against non-sufficient or unavailable funds. If the overdraft remains unpaid after the 5th business day, a $7 fee will be charged each business day.
The amount of any overdrafts, including our fees, are due and payable immediately. We retain full discretion to refuse to pay any overdraft for any reason. Our Courtesy Pay policy is to pay items according to dollar amount, starting with the smallest (low to high). Overdrafts will be paid for the following types of transactions:
- Inclearing Checks
- ACH or recurring transactions made using your checking account number, like health club dues, insurance premiums, etc.
Courtesy Pay may be extended to include ATM withdrawals and debit card transactions, also known as the Regulation E option. Please opt-in for the Regulation E option to be activated by contacting us at 800-273-3406.
Clients may opt-out of this discretionary overdraft payment program at any time by contacting us at 800-273-3406.
*APY (Annual Percentage Yield) is accurate as of 4/11/2024 and subject to change without notice. This account requires a deposit of new money only. New money means funds from outside Kearny Bank. $25,000 minimum deposit to open account. Daily balances of: $500,000.01+ will earn 3.25% APY on the entire balance; $250,000.01-$500,000 will earn 3.15%; $100,000.01-$250,000 will earn 3.15%; $25,000.01-$100,000 will earn 2.85%; and $25,000 and under will earn 0.05% APY. Personal accounts only. Fees may reduce earnings. Rates may change after account opening. Special Money Market is available for personal accounts only. Restrictions apply. Contact your local branch today for complete details.