Checking

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 unlimited check writing 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.

New accounts only. Annual Percentage Yield (APY) in effect as of 4/29/13. Minimum balance of $10,000 to open and obtain APY of .65%. Balances of $9,999.99 and under earn .20% APY and will incur a $20 monthly maintenance fee. Fees may reduce earnings. *Rate subject to change at any time.

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.

ATM/Debit Cards
Access your money, when and where you want, with a 1st Constitution Bank Check Card.

  • The 1st Constitution Bank Check Card gives you the full range of ATM card benefits and functions as a debit card
  • Gain immediate access to your money from over 12 million locations worldwide
  • Use your card to make purchases, get cash, check balances, make transfers and deposits.
  • All transactions are recorded on your monthly checking statement for easy record keeping

For more detailed product information, a representative of 1st Constitution Bank will be pleased to review your specific requirements.

If your card is lost or stolen, please call 800-554-8969

Press Releases
30
Apr

1st Constitution Bancorp Reports First Quarter 2014 Results and Successful

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10
Feb

1st Constitution Bancorp Announces Closing of the Merger of Rumson-Fair

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