Best Banks & Checking Accounts in Newark, New Jersey - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Newark, New Jersey include GARDEN SAVINGSGARDEN SAVINGS120 Ferry St, Newark, NJ 07105A+5.0 ★Texas Ratio: 0.00% Platinum Checking at 5.00% APY, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union614 Frelinghuysen Ave Fl 1, Newark, NJ 07114A+5.0 ★Texas Ratio: 2.63% Priority Checking at 0.40% APY, Essex County Teachers Federal Credit UnionEssex County Teachers Federal Credit Union465 Martin Luther King Jr Blvd, Newark, NJ 07102A+5.0 ★Texas Ratio: 0.69% Checking at 0.05% APY, Selfreliance Federal Credit UnionSelfreliance Federal Credit Union734 Sanford Ave, Newark, NJ 07106A5.0 ★Texas Ratio: 9.56% Checking Accounts at 0.01% APY, and Lusitania Savings BankLusitania Savings Bank107 Pulaski St, Newark, NJ 07105A+5.0 ★Texas Ratio: 1.07% Value and Value Plus Checking at 0.01% APY. Checking account rates as of May 4, 2026 according to verified data from MonitorBankRates.
Newark has 5 local institutions in our database, with checking rates as high as 5.00% APY from GARDEN SAVINGS at 120 Ferry St, Newark, NJ, 07105. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Newark, New Jersey. Checking Account Rates Last Updated and Verified: May 4, 2026
Compare Checking Account Rates Today in Newark, New Jersey & the Surrounding Area
Newark, NJ 07105
Qualifications Required; Qualifying balance up to $15,000.00
Newark, NJ 07114
No additional details provided.
Newark, NJ 07114
No additional details provided.
Newark, NJ 07105
No monthly service charges. $750 minimum daily balance to earn stated dividend rate.
Newark, NJ 07105
No additional details provided.
Newark, NJ 07105
Qualifications Required; On funds in excess of $15,000 (average balance), if all qualifiers met.
Newark, NJ 07105
No monthly service charges. To earn dividend, must maintain $750 minimum daily balance to earn stated dividend rate. Free e-statements, if not enrolled in e-statements a monthly fee of $3 will be assessed for paper statements.
Newark, NJ 07102
No additional details provided.
Newark, NJ 07105
No monthly service charges. $750 minimum daily balance to earn stated dividend rate.
Newark, NJ 07105
No monthly service charges. $750 minimum daily balance to earn stated dividend rate.
Newark, NJ 07105
On all funds if qualifiers are not met.
Newark, NJ 07106
No additional details provided.
Newark, NJ 07105
No additional details provided.
Newark, NJ 07105
No monthly service charges.
Qualifying balance up to $15000
Qualifications Required: Have at least 12 qualifying debit card purchases post and settle***; Have at least 1 automatic payment ACH or bill pay; Be enrolled in and receive electronic statements; Qualifying balance up to $15,000.00; Plus, refunds on ATM fees, nationwide**
Qualifying balance up to $15000
No additional details provided.
No additional details provided.
No additional details provided.
Newark, NJ 07105
Qualifications Required; Qualifying balance up to $15,000.00
Newark, NJ 07105
No monthly service charges. $750 minimum daily balance to earn stated dividend rate.
Newark, NJ 07105
Qualifications Required; On funds in excess of $15,000 (average balance), if all qualifiers met.
Newark, NJ 07105
No additional details provided.
Newark, NJ 07105
No additional details provided.
Newark, NJ 07105
On all funds if qualifiers are not met.
Qualifying balance up to $15000
Qualifications Required: Have at least 12 qualifying debit card purchases post and settle***; Have at least 1 automatic payment ACH or bill pay; Be enrolled in and receive electronic statements; Qualifying balance up to $15,000.00; Plus, refunds on ATM fees, nationwide**
No additional details provided.
Qualifying balance up to $15000
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
IOLTA Checking1, 3
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Newark, NJ 07105
No additional details provided.
Qualifications Required: Have at least 12 qualifying debit card purchases post and settle***; Have at least 1 automatic payment ACH or bill pay; Be enrolled in and receive electronic statements; Qualifying balance up to $15,000.00; Plus, refunds on ATM fees, nationwide**
No additional details provided.
Newark, NJ 07105
No monthly service charges.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No Minimum Balance Required
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Newark, NJ 07105
No monthly service charges. $750 minimum daily balance to earn stated dividend rate.
Newark, NJ 07105
No monthly service charges. $750 minimum daily balance to earn stated dividend rate.
No additional details provided.
No additional details provided.
No additional details provided.
Newark, NJ 07105
$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.
Newark, NJ 07114
No additional details provided.
Newark, NJ 07105
$20 monthly service charge with unlimited transactions and no minium balance requirement.
No additional details provided.
No additional details provided.
Available Online Only. New commercial customers only.
No additional details provided.
For Sole Proprietorship and Not-For-Profit accounts only
No additional details provided.
Initial deposit of $100 required to open.
No additional details provided.
No additional details provided.
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Newark, NJ Checking Rate Trends
Compare local Newark, NJ checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Jersey high-yield checking rates rose 0.436 points over the past 7 days to 2.257% APY.
New Jersey free checking rates fell 0.363 points over the past 7 days to 0.810% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Newark, 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 Newark, 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 Newark, New Jersey earn interest?
Are banks in Newark, New Jersey FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Newark, New Jersey
- GARDEN SAVINGS
Platinum Checking — 5.00% APY - American Airlines Federal Credit Union
Priority Checking — 0.40% APY - Essex County Teachers Federal Credit Union
Checking — 0.05% APY - Selfreliance Federal Credit Union
Checking Accounts — 0.01% APY - Lusitania Savings Bank
Value and Value Plus Checking — 0.01% APY
