Search / Checking accounts by state / New Jersey Low-cost checking accounts in New Jersey There are 46 Bank On certified checking accounts available to residents of New Jersey. Of those, 27 carry a $0 monthly maintenance fee and 43 charge no overdraft fees at all. 18 come from local or regional institutions rooted in New Jersey, while 28 are offered by national banks serving customers across the country.
Certified accounts 46
$0 monthly fee 27
No overdraft fees 43
Local institutions 18 nbkc bank
Everything Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 90,000+ Bank of America
SafeBalance Banking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Chase
Secure Banking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 14,000+ LendingClub
Level Up Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs -1+ Discover Bank
Cashback Debit Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Quorum Federal Credit Union
QFlex Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Capital One
360 Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 70,000+ Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Hanmi Bank
Choice Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Berkshire Bank
MyFreedom Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. USALLIANCE Financial Dora
Everyday Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
ConnectOne Bank Totally
Free Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Firstrust Bank First
Checking and First Eagles Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Columbia Bank
Forward Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Financial Resources Federal Credit Union
Community Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Heritage Financial Credit Union
Opportunity Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Northfield Bank Convenience
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Peoples Bank
Empower Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Provident Bank
Bank On Provident Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. The Bank of Princeton
Simple Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
United Roosevelt Savings Bank
BankOn Consumer Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Univest Bank and Trust Co.
Value Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs Univest, Allpoint Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs None (No fees for using any ATM) Alliant Credit Union
High-Rate Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Alliant Credit Union
Teen Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Ally Bank
Spending Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 75,000+ First Bank
Community Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $25
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Apple Bank
BasicValue Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $10
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Popular Bank Popular
Easy Access Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs 55,000+ Valley National Bank
Valley Journey Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs 230+ Cathay Bank
Everyday Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs PULSE Select® / Money Pass® Santander Bank Santander
Essential Checking Online bill pay Mobile check deposit Debit card
Monthly fee $4.00
To open $10
Overdraft fees None
Free ATMs Santander TD Bank TD
Essential Banking Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $0
Overdraft fees None
Free ATMs TD Fulton Bank Xpress
Account Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $0
Overdraft fees None
Free ATMs 4+ Alma Bank
Every Day Checking Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $25
Overdraft fees None
Free ATMs 40,000+ M&T Bank
MyWay Banking Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $25
Overdraft fees None
Free ATMs 2,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 65,000+ Citizens Bank
Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 60,000+ Flagstar Bank
Flagstar One Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $1
Overdraft fees None
Free ATMs 56,000+ Wells Fargo
Clear Access Banking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 10,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 40,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. nbkc bank
Money Market Account Online bill pay Mobile check deposit Debit card
Monthly fee $12.00
To open $0
Overdraft fees None
Free ATMs 90,000+ Trustco Bank Home Town
BankOn Account Online bill pay Mobile check deposit Debit card
Monthly fee $25.00
To open $50
Overdraft fees None
Free ATMs 55,000+ Next steps for New Jersey residents