Personal Checking Accounts-New Jersey

At Hudson City, "free" means free. Whether you choose our Free Checking or popular High Value Checking account, Hudson City doesn't nickel-and-dime you with frivolous service charges and maintenance fees. For example, some banks offer you "free checking" for one year, but then charge you monthly service fees. At Hudson City, there are no per-check fees, no monthly service fees (if you meet the minimum balance), no statement fees, and no fees for Online Banking and Bill Pay. Plus, senior citizens don't pay for printing standard checks.

High Value Checking

Why settle for low or no interest checking when you can have all of the perks of High Value Checking? We provide you with an exceptional Annual Percentage Yield without the hassle of maintaining linked accounts or having to climb multiple tiers like other banks. Plus, you'll receive unlimited check writing, free checks and three free monthly wire transfers. A minimum balance of $10,000 will always earn you the highest rate of interest that our program offers.

• Free specialized checks
• Free Online Banking
• Free Online Bill Pay
• Outgoing wire transfers
• FDIC Insured
• No monthly fee

Current Annual Percentage Yield (APY) as of
Interest rates subject to change without notice. Convenient monthly statement. Interest compounded daily and credited at the close of each statement cycle. Fees can affect earnings. Accounts are available to individuals who live or work in New Jersey, New York, Pennsylvania, Connecticut & Delaware. Initial Deposit $10,000.

Money Market Checking

• High variable rate of interest
• Limited check writing and third party payments
• Unlimited deposits and in-person withdrawals
• FREE features:
  • Debit/ATM card*
  • Direct deposit
  • Telephone Banking
  • Online Banking
• Descriptive monthly statement
• FDIC insured

Current Annual Percentage Yield (APY) as of
Interest rates subject to change without notice. Convenient monthly statement. Interest compounded daily and credited at the close of each statement cycle. Fees can affect earnings. Accounts are available to individuals who live or work in New Jersey, New York, Pennsylvania, Connecticut & Delaware. Initial Deposit $10,000.

Better Interest Banking

• High variable rate of interest
• No limit on the number or types of transactions
• FREE features:
  • Debit/ATM card*
  • Direct deposit
  • Telephone Banking
  • Online Banking
  • Online Bill Pay
• FDIC insured

Current Annual Percentage Yield (APY) as of
Interest rates subject to change without notice. Convenient monthly statement. Interest compounded daily and credited at the close of each statement cycle. Fees can affect earnings. Accounts are available to individuals who live or work in New Jersey, New York, Pennsylvania, Connecticut & Delaware. Initial Deposit $5,000.

Free Personal Checking

• Unlimited check writing
• Unlimited deposits
• Descriptive monthly statement
• FREE features:
  • Debit/ATM card*
  • Direct deposit
  • Telephone Banking
  • Online Banking
• FDIC insured

Super NOW Account

• Variable interest rate
• Unlimited check writing
• Unlimited deposits
• Descriptive monthly statement
• FREE features:
  • Debit/ATM card*
  • Direct deposit
  • Telephone Banking
  • Online Banking
• FDIC insured

Current Annual Percentage Yield (APY) as of
Interest rates are subject to change without notice. Interest compounded daily and credited at the close of the last calendar day of each month. Lower interest rates paid on Super NOW each day balance is below $1,000. Fees can affect earnings. Accounts are available to individuals who live or work in New Jersey, New York, Pennsylvania, Connecticut & Delaware. Initial deposit $100.

For additional information or an application to open an account, visit or call one of our branches, or click on this link to e-mail our Retail Banking Department.

*MasterCard® SecureCode is a new service to enhance and protect your existing MasterCard account against unauthorized use of your card when you shop at participating online merchants. Click the button to the left for more information.