Checking
Our checking account makes it easy and convenient to manage your finances, plus includes many free services!

Account Features You Can Count On

  • No monthly service charges†
  • No minimum balance requirements
  • Unlimited check writing
  • Access to 85,000 surcharge-free Allpoint and CO-OP ATMs
  • Free online banking, bill pay, e-Statements and mobile deposit

Plus, you can avoid the embarrassment — and the expense — of bounced checks with our overdraft protection service. Need a fresh start? Check out our Fresh Start Checking Account.

Mastercard Debit/ATM Card

When you open your Checking Account you can also request your Debit/ATM Card. If you need to add a Debit/ATM Card to an existing Checking Account, or you need to order a replacement card, please call or visit any branch location. Please be aware that you cannot use our debit card for car rentals. We suggest using our Jersey Shore credit card for car rentals for increased fraud protection and travel benefits.

Point of Sale Purchases

Use your free Mastercard Debit/ATM Card to make purchases anywhere MasterCard is accepted. When shopping, just select the "Credit" option to swipe and sign with ultimate convenience! All purchases will be automatically deducted from your checking account balance.

Surcharge-Free ATMs

You can also use your Mastercard Debit/ATM Card at more than 55,000 Surcharge-Free Allpoint ATMs worldwide and nearly 30,000 Surcharge-Free CO-OP ATMs across 50 states and Canada! Find an ATM near you!

Fraud Alerts

Our automated Fraud Alert System will contact you by text, phone, or email. You can take action the second you receive your alert – by texting the provided command word, interacting with the automated system on the phone, or calling the Fraud Department number in the email. Simply follow the instructions to answer questions regarding your recent card activity. If you do not respond to the text, calls, or emails then your card may be blocked for suspected fraud.

Digital Wallet

With a quick tap of your smartphone or smartwatch, you can use your Jersey Shore Mastercard® debit, credit or business card to pay at the gas station, your favorite lunch spot and lots of other places you buy from. Learn more about digital wallets.Opens in New Window

SecureCode Protection

Mastercard SecureCode helps prevent thieves from using your Debit/ATM card to make purchases online. It attaches your account to a secret code you designate. If you don't know the code, you can't use the card number. Visit Mastercard SecureCodeOpens in New Window to sign up today and see which merchants participate in the program.

Download the JSFCU Card App

Manage your debit card on the go with the free JSFCU Card app for iPhone and iPad*Opens in New Window and Android deviceOpens in New WindowOpens in New Window users. You will be able to do the following:

  • Report Lost/Stolen Card
  • Submit Travel Notices
  • View Transactions
  • Plus, more enhancements will be rolling out in the future

Open an Account Today!

There are several convenient ways to open a Checking Account:

If opening your account online, we will follow up with you by email for your identification* and signature.

We are available to answer any questions you may have by calling 609-646-3339 or 1-888-322-2848 toll-free and select option 2. Check our Call Center Hours for availability.

Direct Deposit & Payroll Allotment

Get access to your funds faster with Direct Deposit. Have all or a portion of your paycheck deposited directly into your Checking Account. Just provide your employer or payment office your Checking Account number and the Jersey Shore FCU routing and transit number: 231277440.

Once you have Direct Deposit, you can set up Payroll Allotment Service to automatically distribute your funds across your accounts as you designate. Just stop by any branch location or call 609-646-3339, Option 2 to set up Payroll Allotment.

Reorder Your Checks

Order through Jersey Shore FCU and Liberty Checks

Reorder your checks securely onlineOpens in New Window through our check printing partner, Liberty Checks. To start the quick online process, just grab your reorder form from your last book of checks.

Order through a Third Party Vendor

If you order checks from anyone other than the Credit Union, you will need to supply them with:

  1. Your account number
  2. Our routing and transit number: 231277440
  3. The Title Plate (Lower Left Hand Side):
    Jersey Shore Federal Credit Union
    1434 New Road
    Northfield, NJ 08225
†Refer to fee schedule for required monthly aggregate average daily balance of all accounts. Debit/ATM Card required for free Bill Pay. Learn how to avoid fees.