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Compare Personal Checking Accounts in New Jersey

Compare rates on personal checking accounts in New Jersey.. Our system checks the rates of many national banks as well as regional banks in New Jersey every day to provide you with a single list of current interest bearing checking account rates in your area. If we have missed a local bank in your area please let us know by using the email link below.

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Deposit Amount | $1 $100,000
Currently Including:
232
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Sponsored Note: Connect with high interest and loads of online-only features
EverBankYield Pledge Checking - 6mo promo rate for new customers13 Reviews1.40%-$100k$70.00
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Oritani BankLoyalty Checking1.02%-$100k$51.00
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Bank of Internet USAHigh Interest Checking14 Reviews0.71%--$35.50
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Alliant Credit UnionHigh Rate Checking13 Reviews0.65%--$32.50
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FNBO DirectOnline Billpay4 Reviews0.65%-$1m$32.50
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Incredible BankIncredible Checking19 Reviews0.59%-$250k$29.50
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First Internet Bank of INInterest Checking1 Review0.55%$500-$27.50
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First Choice Bank (NJ)Choice Interest Checking1 Review0.50%--$25.00
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Liberty Bell BankE-Statement Checking1 Review0.50%-$5k$25.00
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AloStar Bank of CommerceInterest Checking 3 Reviews0.50%$500-$25.00
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Regal BankNOW Account0.50%$500-$25.00
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Mutual of Omaha BankOnline Advantage Checking1 Review0.50%$1,500$250k$25.00
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Indus American BankPremium Interest Checking8 Reviews0.50%--$25.00
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Garden Savings Federal Credit UnionSenior Account0.50%$750-$25.00
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Clear Sky AccountsClear Sky Checking3 Reviews0.45%-$250k$22.50
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Security Bank (OK)Security Senior Checking0.45%--$22.50
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American BankAmerican e-Checking 3 Reviews0.40%-$10k$20.00
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Capital One BankHigh Yield Free Checking3 Reviews0.40%--$20.00
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Parke BankParke 55 Plus1 Review0.40%--$20.00
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BCB Community BankSenior Checking0.35%$500-$17.50
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NJM BankStewardship Checking0.35%--$17.50
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Century Savings Bank55 Plus Checking0.30%$300-$15.00
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Communitywide Credit UnionChecking Account0.30%$1k-$15.00
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Virtual BankeChecking5 Reviews0.30%$2,500-$15.00
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Nationwide BankE-Checking9 Reviews0.30%$2,500-$15.00
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Intervest National BankInterest Checking3 Reviews0.30%$2,500-$15.00
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Sun National BankKAPOW Checking1 Review0.30%$2,500-$15.00
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Columbia Bank (NJ)Online Yield Plus Checking4 Reviews0.30%$1k$250k$15.00
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National Bank of Kansas CitySilver Checking0.30%--$15.00
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OneUnited BankUNITY Gold Checking1 Review0.30%$100-$15.00
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Geauga Savings BankAdvantage Direct Checking1 Review0.25%$2k-$12.50
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Salem Five DirecteOne Checking10 Reviews0.25%-$1m$12.50
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Evantage BankEvantage Rewards Checking5 Reviews0.25%--$12.50
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Melrose Credit UnionEZ Checking15 Reviews0.25%$500-$12.50
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Freedom Bank (NJ)High Interest Checking0.25%--$12.50
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Cross River BankI Connect Select Checking0.25%--$12.50
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iGObankingiGOchecking14 Reviews0.25%--$12.50
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State Farm BankInterest Checking14 Reviews0.25%$2,500-$12.50
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Lake Michigan Credit UnionInvestors Checking Account35 Reviews0.25%$2,500-$12.50
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Displaying 1-40 of 232 Results



Compare Personal Checking Accounts Trend

Personal Checking Accounts

They are available a dime a dozen – branded Gold, Silver, Green, High Interest, Free, Student, Sports Teams, etc. The vast majority of Americans have, at some point, opened a checking account at one of the 14,000+ banking institutions across the country. The plethora of choices represents features that accompany the core purpose of checking: to provide security for cash and easy access to it when needed to complete a transaction.

History of the Checking Account

Checking account history dates back several millennia, at least to the Roman Empire, when private bankers began holding public deposits in depositories. They did so in order to add leverage to the lending system, and paid depositors interest on the monies they held. However, because of the Romans’ general preference for cash transactions, and the controversial practice of charging interest on loans, the banking system didn’t develop into its modern form until the Medieval and Renaissance periods.

Benefits of a Checking Account

When individuals open a checking account and deposit money into it today, it is the equivalent of giving the bank or credit union a loan with which they in turn use in various ways to make a profit. On the other hand, because it is arguably the most accessible financial product to consumers, it helps individuals to establish good credit and build a relationship with a financial institution that could pay off in benefits down the road.

Checking Account Features

There are many credit unions and banks with free checking accounts that come with perks like online banking, personal checks, debit and ATM cards (with free ATM usage), Bill Pay, mobile deposit, free ACH transfers and Direct Deposit. You must read the fine print on any account before opening, however, as a free checking account will usually charge a monthly fee for not meeting various requirements like a minimum monthly balance, a particular number of required debit card transactions, etc. Most non-reward checking accounts, though, do not have strict requirements in this regard. Overdraft fees are also something to consider, as financial institutions are now required to ask you if you want to opt-in to their overdraft coverage.

Some financial institutions offer high interest checking accounts. Internet banks and credit unions usually offer the highest rates and, depending on your situation, could be a savings boon to you with little or no extra effort. The rate table above is the most comprehensive list of personal checking accounts available nationwide, with filters to help you navigate based on institution type and location.