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Infinity Cash- EARN UP TO 2.00% APY*

As one of New Jersey’s best checking accounts, earn 2.00% APY* on balances up to $25,000 and ATM Fee Refunds*, when qualifications are met.

A new way to take advantage of free checking account, Infinity Cash is the perfect option for those seeking to earn more. No monthly service fees, no ATM fees, and a higher yield on your balance for every month you qualify.

  • No Monthly Maintenance Fee
  • No monthly minimum balance
  • Free mobile banking with check deposit
  • Free online banking
  • Free eStatements
  • Free bill pay
  • Free debit card
  • Unlimited check writing

So, there are three things we ask you to do each month to qualify for Infinity checking rewards. But they’re easy and you probably do them anyway! If you don’t qualify for the month, you still earn our base interest rate*. Here they are:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

Cycle Date Information:

The following dates apply to our Infinity account(s). Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Please refer to your account's Truth In Savings disclosure for your account's specific qualification requirements. To qualify for your account's rewards, all of your account's qualifying transactions must post and settle to your specific Infinity account within the Monthly Qualification Cycle dates stated below. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account's rewards. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for your account's rewards. 

 

Month

Year

Begin

End

July

2019

06/28/2019

07/30/2019

August

2019

07/31/2019

08/29/2019

September

2019

08/30/2019

09/29/2019

October

2019

09/30/2019

10/30/2019

November

2019

10/31/2019

11/28/2019

December

2019

11/29/2019

12/30/2020

 

 

January

2020

12/31/2020

01/30/2020

February

2020

01/31/2020

02/27/2020

March

2020

02/28/2020

03/30/2020

April

2020

03/31/2020

04/29/2020

May

2020

04/30/2020

05/28/2020

June

2020

05/29/2020

06/29/2020

July

2020

06/30/2020

07/30/2020

August

2020

07/31/2020

08/30/2020

September

2020

08/31/2020

09/29/2020

October

2020

09/30/2020

10/29/2020

November

2020

10/30/2020

11/29/2020

December

2020

11/30/2020

12/30/2021

To enjoy the convenience of Direct Deposit, you’ll need our routing number 221272167 and your account number.

Transfer your monthly cash back and refunds on ATM fees into an Infinity Saver high interest savings account! Learn more.

*APY=annual Percentage Yield. APYs accurate as of Monday June 15, 2019. Rates may change after account is opened. Minimum to open is $50 for Infinity Cash, $50 for Infinity Cash Back and $50 for Infinity Saver. Limit one Infinity Cash or Infinity Cash Back account per SSN.  For Infinity Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to the account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.00%; and (3) balances over $25,000 earn 0.25% interest rate on the portion of the balance over $25,000 resulting in 2.00% to 0.60% APY. The APY will vary based on account balance. This range assumes a $25,000.01 - $125,000.00 account balance, although higher balances are accepted. If qualifications are not met on Infinity Cash all balances earn 0.01% APY.  Fees may reduce earnings. Qualifying transactions must post to and settle Infinity Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle account. ATM processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Infinity Cash APY is based on compounding interest. If the interest earned in Infinity Cash is automatically transferred to an Infinity Saver, the interest does not compound. ATM receipt must be presented for reimbursement of an ATM fee of $5 or higher. For Infinity Cash Back, if qualifications are met you receive 2% cash back on debit card purchases that post to and settle account during the monthly qualification cycle up to a total cash back of $10 per monthly qualification cycle. Qualifying transactions must post to and settle Infinity Cash Back account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle account. ATM processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of an ATM fee of $5 or higher. Infinity Saver account is only available with an Infinity Cash or Infinity Cash Back account. Infinity Saver APYs may be less than Infinity Cash APYs. If qualifications in Infinity Cash or Infinity Cash Back are met each monthly qualification cycle: (1) balances up to $500,000 in Infinity Saver receive an APY of 1.50%; and (2) balances over $500,000 in Infinity Saver receive an APY of 0.25% interest rate on the portion of balance over $500,000, resulting in 1.50% - 1.29% APY. The APY will vary based on account balance. This range assumes a $500,000.01 - $600,000.00 account balance, although higher balances are accepted.  If qualifications are not met in Infinity Cash or Infinity Cash Back, all balances in Infinity Saver earn 0.01% APY. Infinity Saver account transactions are limited to no more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or similar transactions per month or statement cycle.

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