Direct Business Super Savings

Opening your 1st Constitution Direct Business Super Savings Account

  • Minimum initial deposit is $100.
  • There are no monthly balance requirements.
  • Limited to New Jersey businesses as follows: sole-proprietors, partnerships, corporations (profits and non-profits).
  • You can open an account online.  

Opening an account online for Corporations

  • Account must be opened with an initial deposit from your non-1stConstitution business checking account.  
  • 1st Constitution Direct will send two small deposits and one small withdrawal to your business checking account that must be verified. To verify, review your transaction history at the bank where your checking account resides and identify the transactions. After reviewing, you will need to confirm the amounts by logging in to 1stConstitution Direct and clicking on confirm verification amounts.  These transactions are sent as a fraud protection measure.
  • You must validate the 2 small deposits and one small withdrawal in your linked account no later than 45 days from the date the first transaction was made. If you do not validate the transactions within 45 days, 1stConstitution Direct may close the Savings account.
  • Transfer capabilities will be available immediately after "Verification process" is complete.

Opening an account online for sole-proprietorships and partnerships

  • Account must be opened with an initial deposit from your non-1stConstitution business checking account.  
  • After completing the online application you must mail additional documentation as follows:
  • A copy of the DBA or Trade name certificate
  • Partnership Agreement. 

Mail to: 1st Constitution Bank

Attention: Direct Service Consultant

              2650 Route 130

              Cranbury, NJ 08512 

  • 1st Constitution Direct will send two small deposits and one small withdrawal to your business checking account that must be verified. To verify, review your transaction history at the bank where your checking account resides and identify the transactions. After reviewing, you will need to confirm the amounts by logging in to 1stConstitution Direct and clicking on confirm verification amounts.  These transactions are sent as a fraud protection measure.
  • You must validate the 2 small deposits and one small withdrawal in your linked account no later than 45 days from the date the first transaction was made. If you do not validate the transactions within 45 days and send the proper documentation required above, 1stConstitution Direct may close the Savings account.
  • Transfer capabilities will be available immediately after "Verification process" is complete.

Using your 1st Constitution Direct Business Super Savings Account

  • Statements for 1st Constitution Direct customers are produced as of the end of each calendar month and are available for retrieval by customers shortly thereafter. 1st Constitution Direct will send an email to alert you when the statement is ready for viewing or downloading.
  • Account information can be accessed 24/7 by logging into www.1stconstitutiondirect.com.
  • Accounts with Internet service, are automatically linked to the checking account used to open the account, allowing you to make deposits or withdrawals by transferring Bank-to-Bank between these accounts.
  • Electronic deposits made to your account will begin to accrue interest 1 business day after the deposit is made, (a business day ends at 3:00 pm) and will be available for withdrawal after 5 business days, except Saturdays, Sundays and Federal Holidays. 
  • Electronic transfers to your non-1st Constitution checking will generally be at your bank within 2-3 business days.
  • In accordance with Regulation D, which banks must comply with, preauthorized transfers from the account are limited to six per month.
  • 1stConstitution Direct Service Consultants are available by phone 8:30am - 5:00pm Mon. - Fri., EST at 1-866-934-41ST (4178).
  • Wire transfers, mail in deposits and issues of bank checks are not available with this account.The account balance limit is $250,000 per client.
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Direct Savings
You deserve to earn more

  • No Fees
  • High Interest
  • No Service Charges
  • Only $100 to Open
  • Quick and Easy Online Application
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Pig MoneyPersonal

Direct SUPER Savings
You deserve a better rate

  • No Fees
  • High Interest
  • No Service Charges
  • Only $100 to Open
  • Earn More on Bal. $10,000 or More
  • Quick and Easy Online Application
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Brief CaseBusiness

A great rate makes
good business sense!

  • No Fees
  • High Interest
  • No Service Charges
  • Only $100 to Open
  • Quick and Easy Online Application
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