1st Constitution Bank

Personal Checking Account
The personal choice of most customers, unlimited check writing. Free of minimum balance fee by maintaining a $100 minimum balance. If the balance falls below $100, fee of $15. Direct deposit, automatic transfers and ATM card availability. Minimum opening deposit of $100.

Easy Pay Checking
Have your payroll direct deposited into your personal checking account with us and waive the $15.00 monthly service charge. This account gives you unlimited check writing and ATM card availability with no minimum balance requirement.

55 Plus Checking
Personal Checking Account for individuals age 55 and over. Accounts are free of monthly maintenance fees, with no minimum balance requirements. Unlimited check writing, direct deposit, automatic transfers and ATM card availability. First order of checks are free.

Freedom Checking
Maintain a $2,000 daily combined balance in your linked Freedom Checking and Savings account to avoid a monthly maintenance fee. Receive unlimited no fee ATM withdrawal charges by 1st Constitution Bank at the other bank locations, fee free money orders and treasurer's checks, reduced loan rates on selected loan products and 50% discount on safe deposit rental. Also, your first order of checks are free. Monthly maintenance fee of $15 will be imposed every statement cycle if the daily balance for the combined checking and linked savings account balance falls below $2,000 any day of the month.

Freedom NOW Checking
Maintain a $3,000 daily combined balance in your linked Freedom Checking and deposit accounts to avoid a monthly maintenance fee. Receive unlimited no fee ATM withdrawal charges by 1st Constitution Bank and other bank locations, fee free money orders and treasurer's checks, reduced loan rates on selected loan products and 50% discount on safe deposit rental. Also, your first order of checks are free. With Freedom NOW, you'll receive all benefits of Freedom Checking plus the added value of a competitive interest rate. Account must maintain a minimum balance of $1,000 to earn interest. Monthly maintenance fee of $15 will be imposed every statement cycle if the daily balance for the combined checking and linked deposit accounts balance falls below $3,000 any day of the month.

1st Choice Checking
Enjoy checking and a competitive interest rate in one account for ease, convenience, and better control of your money with a 1st Choice Checking Account. This account provides you with a higher rate of interest without sacrificing the convenience that you receive from a checking account. No minimum balance required to earn interest.If the balance falls below $10,000 any day of the month the APY will be reduced. Monthly minimum balance fee of $20 if the daily balance drops below $10,000 any day of the month. Rate may change after account opening.

Fees may reduce earnings

Now Checking
Earn interest with unlimited check writing privileges. Direct deposit and ATM availability. Minimum opening deposit of $1,000. Account must maintain a minimum balance of $1,000 to earn interest. Monthly minimum balance fee of $15, if the daily balance drops below $1,000 any day of the month.

NJ Consumer Checking
A checking account for those customers who do not use more than eight checks each month. Ideal for college students or recent graduates as a first checking account. Direct deposit automatic transfers and ATM card availability. Monthly maintenance fee of $3. Minimum balance to open: $50. $.50 for each check written over the regulatory limit of eight per month.

Email or call: (609) 655-4500

Kids 1st Savings

Personal Checking

Personal Savings

Personal CD's

Personal Loans

Call 1st

ATM/Debit Cards

IRA Accounts

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

1st Constitution Bank is participating in the FDIC's Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. The temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing checking account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking account or demand deposit accounts that may earn interest, NOW accounts, money market deposit accounts, and Interest on Lawyer Trust Accounts (IOLTA’s).

Funds that are automatically transferred, or “swept” from a noninterest-bearing transaction account to another account that does not qualify as a noninterest-bearing account will no longer be fully covered under the Transaction Account Guarantee Program (TAGP).

Equal Opportunity Housing Lender

Privacy Act

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IMPORTANT INFORMATION ABOUT PROCEDURES

FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.