Checking Accounts

Checking accounts that keep your options open and your interest growing. 

 

 

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Compare Our Checking Accounts

NVE Bank only opens personal accounts for persons who reside or work in New Jersey.

AccountsMobileSmart CheckingNVE CheckingNew Jersey Consumer CheckingBasic CheckingNOW Checking Interest-Bearing AccountSuper NOW Checking Interest-Bearing Account

Which is Right for You?

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Convenience, flexibility and service

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No minimum balance requirement

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Looking for a more traditional checking account

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Don't need online banking and only write a minimum number of checks

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Earns interest and includes unlimited check writing.

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Earn higher interest

Minimum Opening Deposit

$500

$0 

$50

N/A 

$500 

$2,500

Minimum Balance Requirement

$500 

None

None

None 

$1,000

$2,500 

Monthly Service Charge

$5.00 if the minimum daily balance falls below $500. $3.00 if choose to have paper statements.

$7 

$3

$0 

$15.00 if the minimum daily balance falls below $1,000.

$7.50 if the minimum daily balance falls below $2,500. 

No Charge ATM Fees*

Yes

Yes 

Yes 

Yes 

Yes 

Yes 

Earns Interest 

 No

No 

 No 

 No 

Yes 

Yes 

Checks

Unlimited check writing capabilities 

Unlimited check writing capabilities

Eight checks per month, $.50 per check thereafter

Five checks
per month; $.60 per check thereafter 

Unlimited check writing capabilities 

Unlimited check writing capabilities 

No Charge Online Banking & Bill Pay

Yes 

Yes 

Yes

No 

Yes 

Yes 

No Charge eStatements

Yes 

Yes 

Yes 

No 

Yes 

Yes 

No Charge NVE Bank Debit Card

Yes

Yes

Yes

Yes

Yes

Yes

No Charge UChoose Rewards®

Yes

Yes

Yes

Yes

Yes

Yes

No Charge Mobile Banking**

Yes

No

No

No

No

No

No Charge Telephone Banking

Yes

Yes

Yes

Yes

Yes

Yes

*No Fees from NVE Bank
**Wireless carrier charges or data fees may apply

MobileSmart Checking

NVE's premier checking account offers maximum convenience, flexibility and service - all wrapped up in one complete checking product. Simply maintain a minimum daily balance of $500 and you'll enjoy the following services and no monthly maintenance fee as part of the MobileSmart Checking package.

  • No Charge Online Banking and Bill Pay
  • No Charge eStatements with check images
  • No Charge Mobile Banking with text message alerts
  • Access to NVE's Popmoney® Personal Payment Service
  • NVE Bank Debit Card with no annual fee
  • Earn UChoose Rewards® using your NVE Bank Debit Card
  • A One-time $50 Bonus when you enroll in Direct Deposit
  • Unlimited check writing capabilities
  • Minimum balance requirement waived for students under the age of 24

NVE Checking

With no minimum balance requirement, NVE Checking offers the same convenience, flexibility and mobility services plus the option to receive paper statements, all for a low, predictable monthly maintenance fee of $7.

Here's what you'll enjoy: 

  • No minimum balance requirement
  • No Charge Online Banking and Bill Pay
  • No Charge eStatements or paper statements with check images
  • No Charge Mobile Banking with text message alerts 
  • Access to NVE's Popmoney Personal Payment Service
  • NVE Bank Debit Card with no annual fee
  • Earn UChoose Rewards using your NVE Bank Debit Card
  • Unlimited check writing capabilities

New Jersey Consumer Checking

For customers looking for a more traditional checking account, a New Jersey Consumer Checking account can be opened with a minimum deposit of $50. With a low, monthly maintenance fee of $3, New Jersey Consumer Checking offers:

  • No minimum balance requirement
  • No Charge Online Banking
  • No Charge eStatements or paper statements with check images 
  • NVE Bank Debit Card with no annual fee
  • Earn UChoose Rewards using your NVE Bank Debit Card
  • No Charge check writing capabilities up to eight checks per month without additional fees; $.50 per check thereafter

Basic Checking

For customers who don't need online banking and only write a minimum number of checks monthly, NVE's Basic Checking product can be a truly free checking account option.

  • No minimum balance requirement
  • No Charge check writing capabilities up to five checks
  • per month; $.60 per check thereafter
  • NVE Bank Debit Card with no annual fee
  • Earn UChoose Rewards using your NVE Bank Debit Card
  • No Charge paper statements with check images

NOW Checking Interest-Bearing Account

NVE's NOW Checking earns interest* and includes unlimited check writing. Open the account with as little as $500 and keep a minimum daily balance of $1,000 to enjoy:

  • No Charge Online Banking and Bill Pay
  • No Charge eStatements with check images
  • No Charge e-mail account alerts
  • No Charge telephone banking
  • NVE Bank Debit Card with no annual fee
  • Earn UChoose Rewards using your NVE Bank Debit Card
  • No monthly service fee** or per-check charge

Super NOW Checking Interest-Bearing Account

Earn higher interest* when you open a Super NOW Checking account with $2,500.

  • Unlimited check writing capabilities
  • No Charge Online Banking and Bill Pay
  • No Charge eStatements with check images
  • No Charge e-mail account alerts
  • No Charge telephone banking
  • Earn UChoose Rewards using your NVE Bank Debit Card
  • No monthly service fee*** or per-check charge

*Interest is compounded daily and credited monthly. Interest payments are rounded to the nearest cent.  As a result, low balance accounts may not be paid interest.

**There is a monthly fee of $15.00 if the minimum daily balance falls below $1,000.

***There is a monthly fee of $7.50 if the minimum daily balance falls below $2,500.

 

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