Checking

The Checking Account For Your Lifestyle!

Personal Easy Pay 55+ Freedom Freedom NOW 1st Choice Now NJ Consumer Students 1st Money Market Accounts
Minimum Balance $100.00 $0.00 $0.00 $2,000 combined daily balance in DDA and Saving $3,000.00 Minimum Combined Daily Balance in DDA Savings & CD $10,000 Required Opening $1,000.00 $50.00 Required Opening $0.00 $1000.00
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account          
Safe Deposit Box
annual fees apply
50% OFF 50% OFF  
Overdraft Protection*    
First Order of Basic Checks Free            
Personal
Minimum Balance $100.00
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account
Safe Deposit Box
annual fees apply
Overdraft Protection*
First Order of Basic Checks Free  
Easy Pay
Minimum Balance $0.00
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account  
Safe Deposit Box
annual fees apply
Overdraft Protection*
First Order of Basic Checks Free  
55+
Minimum Balance $0.00
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account  
Safe Deposit Box
annual fees apply
Overdraft Protection*
First Order of Basic Checks Free
Freedom
Minimum Balance $2,000 combined daily balance in DDA and Saving
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account  
Safe Deposit Box
annual fees apply
50% OFF
Overdraft Protection*
First Order of Basic Checks Free
Freedom NOW
Minimum Balance $3,000.00 Minimum Combined Daily Balance in DDA Savings & CD
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account
Safe Deposit Box
annual fees apply
50% OFF
Overdraft Protection*
First Order of Basic Checks Free
1st Choice
Minimum Balance $10,000 Required Opening
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account
Safe Deposit Box
annual fees apply
Overdraft Protection*
First Order of Basic Checks Free
Now
Minimum Balance $1,000.00
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account
Safe Deposit Box
annual fees apply
Overdraft Protection*
First Order of Basic Checks Free
NJ Consumer
Minimum Balance $50.00 Required Opening
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account
Safe Deposit Box
annual fees apply
Overdraft Protection*
First Order of Basic Checks Free
Students 1st
Minimum Balance $0.00
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account
Safe Deposit Box
annual fees apply
Overdraft Protection*
First Order of Basic Checks Free
Money Market Accounts
Minimum Balance $1000.00
Mobile Banking / Mobile Deposit
Online Banking / Bill Pay
E-Statements
Interest Bearing Account
Safe Deposit Box
annual fees apply
Overdraft Protection*
First Order of Basic Checks Free  

*Overdraft protection subject to application and approval.

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.

Minimum opening deposit of $10,000. Balances under $10,000.00 will incur a $20 monthly maintenance fee.


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. Direct deposit automatic transfers and ATM card availability. Monthly maintenance fee of $3. Minimum opening deposit of $50, with no minimum balance requirements. $.50 for each check written over the regulatory limit of eight per month.


Students 1st Checking

A checking account designed for students age 16-23.*

    • Minimum opening balance $25. No monthly service fee.**
    • Visa Debit Card available. Free Online Banking, Online Bill Pay.***
    • Mobile Banking and Mobile Deposit.*4
    • Free email alerts. Unlimited check writing. First order of checks Free.*5
    • E-Statements. *6
    • ATM transactions Free at 1st Constitution Bank ATM’s.*7
    • Free rewards program when you sign up for U-Choose Rewards. Popmoney® – must be 18 or older to enroll in Popmoney. Fees may apply.

*Students under 18 years of age must open account with a parent/guardian. Students must present proof of enrollment in school/college such as school ID, transcript or acceptance letter upon account opening. **At age 24 Student account requires a minimum daily balance of $100 to avoid monthly service charge of $15. ***Must be 18 years or older to use bill pay. *4 Mobile banking/ deposit is available through online banking. *5 First free order of checks consists of generic 50 Wallet Checks valued at $15. *6 E-statements are not optional; they are provided through the mandatory online banking enrollment. *7 1st Constitution Bank does not charge a fee when using a non-1st Constitution ATM, fees from other banks may apply. Account must remain open for 6 months to avoid early closing fee of $25.


ATM/Debit Cards

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

  • The 1st Constitution Bank Debit 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

Money Market Accounts

Money Market Accounts enable you to earn a market interest rate.
These accounts feature:

  • Six pre-authorized or telephone transfer withdrawals per statement period. (Six of these may be made by check.)
  • No service charge for accounts with a daily minimum account balance of $1000.

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