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Best Banks & Checking Accounts in Franklin, New Jersey - March 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 20, 2026

The best checking rates for Franklin, New Jersey include Baxter Credit UnionBaxter Credit Union1 Becton Dr, Franklin Lakes, NJ 07417 1815A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, Ascendia BankAscendia Bank474 Prospect Ave, West Orange, NJ 07052A+5.0 ★Texas Ratio: 1.63% at 6.00% APY, Hanover Community BankHanover Community Bank4400 Us Highway 9, Freehold, NJ 07728A5.0 ★Texas Ratio: 7.19% Max Cash Back Checking at 5.00% APY, Peoples Security BankPeoples Security Bank444 Hoes Ln, Piscataway, NJ 08854A+5.0 ★Texas Ratio: 1.05% MaxEarnings Checking at 5.00% APY, and GARDEN SAVINGSGARDEN SAVINGS129 Littleton Rd, Parsippany, NJ 07054 1869A+5.0 ★Texas Ratio: 0.00% Platinum Checking at 5.00% APY.

Looking for the best checking accounts in Franklin, New Jersey? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Franklin, New Jersey, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Franklin, New Jersey. Checking Account Rates Last Updated and Verified: March 20, 2026

Franklin, NJ Checking Rate Trends

Compare local Franklin, NJ checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full New Jersey Checking Trends →
High-Yield Checking — NJ Avg
0.330%
▼ 0.010 from last week

New Jersey high-yield checking rates fell 0.010 points this week to 0.330% APY, down from 0.340% last week.

Rewards Checking — NJ Avg
1.976%
▲ 0.532 from last week

New Jersey rewards checking rates rose 0.532 points this week to 1.976% APY, up from 1.444% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Franklin, New Jersey & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr
Franklin Lakes, NJ 07417 1815
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Ascendia Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
474 Prospect Ave
West Orange, NJ 07052
6.00%
$50
View
▼
Rate5.76%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
4400 Us Highway 9
Freehold, NJ 07728
Max Cash Back Checking
5.00%
$25
View
▼
Rate5.00%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required; Qualifying balance up to $200.00

Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
444 Hoes Ln
Piscataway, NJ 08854
MaxEarnings Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $10,000.00

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd
Parsippany, NJ 07054 1869
Platinum Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; On the first $15,000 on deposit in the account (average balance), if all qualifiers met.

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40
Princeton, NJ 08540 5971
Healthy Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr
Franklin Lakes, NJ 07417 1815
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd
Roseland, NJ 07068
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Bogota Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.28%
819 Teaneck Rd
Teaneck, NJ 07666
High-Yield Checking
4.00%
$1,000
View
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Interest Compounded Daily. Posted Monthly.

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S
Iselin, NJ 08830
Choice Checking Preferred
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40
Princeton, NJ 08540 5971
Healthy Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S
Iselin, NJ 08830
Choice Checking Standard
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bogota Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.28%
819 Teaneck Rd
Teaneck, NJ 07666
Prestige Checking
3.00%
$500
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details

Interest Compounded Daily. Posted Monthly.; Qualifications Required

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40
Princeton, NJ 08540 5971
Wellness Checking
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St
Elizabeth, NJ 07208
High Yield Checking
2.50%
$1,500
View
▼
Rate2.46%
Min Deposit$1,500
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40
Princeton, NJ 08540 5971
Wellness Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
611 River Dr
Elmwood Park, NJ 07407
Kasasa Cash Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $25,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S
Iselin, NJ 08830
Choice Checking Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St
Camden, NJ 08102
Growth Checking
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

$1,000.00 - $4,999.99

Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
439 Livingston Ave
New Brunswick, NJ 08901
IOLTA Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

IOLTA Checking1, 3

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr
Franklin Lakes, NJ 07417 1815
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Ascendia Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
474 Prospect Ave
West Orange, NJ 07052
6.00%
$50
View
▼
Rate5.76%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
4400 Us Highway 9
Freehold, NJ 07728
Max Cash Back Checking
5.00%
$25
View
▼
Rate5.00%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required; Qualifying balance up to $200.00

Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
444 Hoes Ln
Piscataway, NJ 08854
MaxEarnings Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $10,000.00

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd
Parsippany, NJ 07054 1869
Platinum Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; On the first $15,000 on deposit in the account (average balance), if all qualifiers met.

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40
Princeton, NJ 08540 5971
Healthy Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd
Roseland, NJ 07068
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr
Franklin Lakes, NJ 07417 1815
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Bogota Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.28%
819 Teaneck Rd
Teaneck, NJ 07666
High-Yield Checking
4.00%
$1,000
View
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Interest Compounded Daily. Posted Monthly.

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S
Iselin, NJ 08830
Choice Checking Preferred
3.55%
$0
View
▼
Rate3.48%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40
Princeton, NJ 08540 5971
Healthy Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S
Iselin, NJ 08830
Choice Checking Standard
3.03%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bogota Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.28%
819 Teaneck Rd
Teaneck, NJ 07666
Prestige Checking
3.00%
$500
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details

Interest Compounded Daily. Posted Monthly.; Qualifications Required

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40
Princeton, NJ 08540 5971
Wellness Checking
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
320 N Broad St
Elizabeth, NJ 07208
High Yield Checking
2.50%
$1,500
View
▼
Rate2.46%
Min Deposit$1,500
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40
Princeton, NJ 08540 5971
Wellness Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
611 River Dr
Elmwood Park, NJ 07407
Kasasa Cash Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $25,000.00

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St
Camden, NJ 08102
Growth Checking
2.00%
$0
View
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

$1,000.00 - $4,999.99

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S
Iselin, NJ 08830
Choice Checking Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
439 Livingston Ave
New Brunswick, NJ 08901
IOLTA Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

IOLTA Checking1, 3

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ascendia Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
474 Prospect Ave
West Orange, NJ 07052
6.00%
$50
View
▼
Rate5.76%
Min Deposit$50
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
4400 Us Highway 9
Freehold, NJ 07728
Max Cash Back Checking
5.00%
$25
View
▼
Rate5.00%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required; Qualifying balance up to $200.00

Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
611 River Dr
Elmwood Park, NJ 07407
Kasasa Cash Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $25,000.00

BCB Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
611 Avenue C
Bayonne, NJ 07002
Rewards Plus Checking
0.35%
$10,000
View
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

BCB Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
611 Avenue C
Bayonne, NJ 07002
Rewards Checking
0.25%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd
Parsippany, NJ 07054 1869
Platinum Rate Rewards Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
491 Raritan St
Sayreville, NJ 08872 1442
Rewards Checking
0.05%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Copper State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2091 Springdale Rd
Cherry Hill, NJ 08003
CashBack Checking
0.01%
$25
View
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
99 Wood Ave S
Iselin, NJ 08830
Simple Checking Account
1.01%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd
Cherry Hill, NJ 08002 2057
Free Checking (Bonus Checking)
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Schuyler Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
24 Davis Ave
Kearny, NJ 07032
Totally Free Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
100 Haddonfield Rd
Cherry Hill, NJ 08002 4402
Totally Free Checking Plus
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Pennsville National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
170 S Broadway
Pennsville, NJ 08070
Personal Int. Freedom Checking
0.07%
$0
View
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Somerset Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
220 W Union Ave
Bound Brook, NJ 08805
Free 50+ with Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

First Harvest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
227 Market St
Camden, NJ 08102
Free Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No Minimum Balance Required

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd
Parsippany, NJ 07054 1869
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No monthly service charges.

Bogota Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.28%
819 Teaneck Rd
Teaneck, NJ 07666
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bogota Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.28%
819 Teaneck Rd
Teaneck, NJ 07666
Totally Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

GSL Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
6823 Bergenline Ave
Guttenberg, NJ 07093
Basic Checking
0.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke
Ramsey, NJ 07446
Home Town Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
29 Emmons Dr Ste C40
Princeton, NJ 08540 5971
Free Checking Accounts
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd
Roseland, NJ 07068
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 ADP Blvd
Roseland, NJ 07068
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd
Parsippany, NJ 07054 1869
Student Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No monthly service charges. $750 minimum daily balance to earn stated dividend rate.

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd
Parsippany, NJ 07054 1869
Teen Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No monthly service charges. $750 minimum daily balance to earn stated dividend rate.

Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
64 Old Highway 22
Clinton, NJ 08809
Student Checking
0.05%
$1
View
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Copper State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2091 Springdale Rd
Cherry Hill, NJ 08003
Teen Checking
0.01%
$25
View
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
385 N Franklin Tpke
Ramsey, NJ 07446
Home Town Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
444 Hoes Ln
Piscataway, NJ 08854
Micro Business MaxEarnings Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $5,000.00

Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
19 Park Ave
Rutherford, NJ 07070
1.90%
$100
View
▼
Rate1.88%
Min Deposit$100
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3821 Bergenline Ave
Union City, NJ 07087
Non-Profit Business Checking
1.73%
$0
View
▼
Rate1.72%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Customers Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
314 Route 33
Hamilton, NJ 08619
Commercial Interest Checking Plus
0.35%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details

Available Online Only. New commercial customers only.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Becton Dr
Franklin Lakes, NJ 07417 1815
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Millville Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
100 Albertson St
Millville, NJ 08332
Business Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

GARDEN SAVINGS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
129 Littleton Rd
Parsippany, NJ 07054 1869
Better Business Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$10 mothly service charge waived for accounts that maintain a daily balance of $200 or more. Up to 150k cumulative cash deposits per month, $0.20 per $100 deposited thereafter. Unlimited withdrawals and check deposits per month. Comes with free application to merchant services through Clover.

Bogota Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.28%
819 Teaneck Rd
Teaneck, NJ 07666
Business Interest Checking
0.15%
$2,500
View
▼
Rate0.15%
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 2026
Details

Interest Compounded Daily | Posted Monthly

Financial Resources Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.26%
67 Church St
Flemington, NJ 08822
Business Checking Plus
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Schuyler Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
24 Davis Ave
Kearny, NJ 07032
Small Business Checking
0.10%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 11, 2026
Details

Initial deposit of $100 required to open.

Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
19 Park Ave
Rutherford, NJ 07070
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Pennsville National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
170 S Broadway
Pennsville, NJ 08070
Business Int. Freedom Checking
0.07%
$0
View
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
439 Livingston Ave
New Brunswick, NJ 08901
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Customers Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
314 Route 33
Hamilton, NJ 08619
Commercial Interest Checking
0.05%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Blue Foundry Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
19 Park Ave
Rutherford, NJ 07070
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3821 Bergenline Ave
Union City, NJ 07087
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

PSE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
472 Weston Canal Rd
Somerset, NJ 08873
Commercial Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

PSE Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
472 Weston Canal Rd
Somerset, NJ 08873
Small Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
56 Haddonfield Rd
Cherry Hill, NJ 08002 2057
Business Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
468 INDUSTRIAL WAY W
EATONTOWN, NJ 07724 2210
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Franklin, New Jersey directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Franklin, New Jersey. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in NJ.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Franklin, New Jersey earn interest?

Most traditional local checking accounts in Franklin, New Jersey earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Franklin, New Jersey FDIC insured?

Yes. Legitimate banks with branches in Franklin, New Jersey are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Franklin, New Jersey

Based on our current data, some of the highest checking account APYs available to residents of Franklin, New Jersey include:
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
  • Ascendia Bank
    — 6.00% APY
  • Hanover Community Bank
    Max Cash Back Checking — 5.00% APY
  • Peoples Security Bank
    MaxEarnings Checking — 5.00% APY
  • GARDEN SAVINGS
    Platinum Checking — 5.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Franklin, New Jersey. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 20, 2026

Franklin, New Jersey Rates & Resources

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