CHECKING ACCOUNTS » High Yield Checking

Thanks to the show "Jersey Shore", New Jersey is truly growing innotoriety.If you are already know how great your home state is, The Berkshire Bank has a checking account specifically made for locals to save money. This account is non-interest bearing, however it is designed to meet the financial needs of New Jersey individuals, families or households.

The checking account does not provide earning potential, but acts as a low-commitment, affordable banking option for New Jersey locals. Because of the extremely low fees and charges of this particular transaction account, based on your particular needs this may be the best checking account available. The terms of this checking account offer from The Berkshire Bank are simple:

• Account offer valid for New Jersey residents only
• New Jersey Consumer Checking Accounts must be opened at a New Jersey branch location
• Account must have a direct deposit linked to it
• Once this account is opened, no other Berkshire Bank checking account can be opened
• Minimum opening deposit of $50
• Minimum monthly balance of $1
• Monthly fee of $3 applies
• 8 complimentary checking account withdrawals monthly, with a risk of a fee being levied on those exceeding that amount
• FDIC insured

The Berkshire Bank has locations throughout the tri-state area. New York is home to 8 branches and New Jersey has 2, with one inRidgefield and another in Teaneck.

>> Specialty Checking Accounts

Other Terms and Conditions may apply. Additionally, rates may have changed since this offer was posted. Please contact the financial institution for the most recent rate updates and to review the terms of the offer.

Learn More About Guaranteed Checking Accounts! >>>

You are most likely interested in who can access your ChexSystems record because you are thinking of applying for a bank account, credit card or loans. Or, you're interested in a guaranteed checking account. The good news is that your right to privacy as a consumer is in high regard, and the federal Fair Credit Reporting Act (FCRA) will not allow just anyone to look at your records. Let's take a more detailed look at how and when your ChexSystems record can be viewed.

ChexSystems Profile Access

The FCRA will do everything in its power to e
nsure that your records are updated with correct and legal information. According to their site, only people with permissible purpose who have a legal right can view your report. Some examples include:

• If you allow someone to view your report in writing
• You initiated a business transaction that requires the viewing of your report
• A court has ordered your report to be viewable
• Your employer requires it with your written approval
• You apply for a government license or grant that requires proof of financial responsibility
• For proof of financial status in a child support circumstance

You can rest easy knowing that only the people who have a right to view your ChexSystems report can do so. Most guaranteed checking accounts will not consider your report.

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