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Checking Accounts

Najem Financial Advantage Banking flexible checking that moves with you.

Whether you are just getting started or managing a full financial portfolio, our three Advantage tiers — SafeBalance, Advantage Plus, and Advantage Relationship — give you exactly the checking experience you deserve.

All tiers come with digital banking, mobile check deposit, Zelle®, and 24/7 account access. Move between tiers as your life evolves — no penalties, no hassle.

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Advantage Relationship Banking
Premium Tier
•••• •••• •••• 9900
SafeBalance Banking
No Overdraft
•••• •••• •••• 1100
Advantage Plus Banking ★
Most Popular
•••• •••• •••• 5500
FDIC Insured    Secured
Three tiers, one family

Pick your tier

All Advantage accounts live under one roof. Start where it makes sense, upgrade or downgrade anytime — your money, your rules.

Starter

SafeBalance Banking®

A digital-first account designed to help you spend only what you have — no overdrafts, no surprises.

$4.95/mo

Monthly fee waivable — see conditions below

Min. opening balance: $0

  • No overdraft fees — ever
  • No paper checks (digital payments only)
  • Mobile banking & Zelle®
  • Mobile check deposit
  • Visa® debit card included
  • Bill Pay & direct deposit
  • No personal checks
  • No overdraft protection
Open SafeBalance Account
Most Popular
Recommended

Advantage Plus Banking®

Full-featured checking with access to Preferred Rewards and flexible fee-waiver options. The right balance of value and capability.

$12/mo

Monthly fee waivable — multiple easy ways

Min. opening balance: $0

  • Personal checks included
  • Overdraft protection available
  • Preferred Rewards eligible
  • Mobile banking & Zelle®
  • Mobile check deposit
  • Bill Pay & direct deposit
  • eStatements & account alerts
  • Standard ATM fee waivers
Open Advantage Plus Account
Premium

Advantage Relationship Banking®

Our most comprehensive checking account with relationship-level perks, higher limits, and priority service.

$25/mo

Monthly fee waivable — see conditions

Min. opening balance: $0

  • All Advantage Plus features included
  • Higher daily transaction limits
  • Preferred Rewards Platinum eligible
  • Priority phone & chat support
  • Free outgoing domestic wire transfers
  • ATM fees refunded worldwide
  • Interest earned on balances
  • Dedicated relationship team
Open Relationship Account
Data-driven comparison

Compare the tiers at a glance

Each benefit is scored on a 0–10 scale across our three account tiers so you can instantly see which one best fits your financial lifestyle.

Scores are relative benefit ratings for illustrative purposes only. Individual results vary. See account disclosures for complete details.

Included with all tiers

What's included in every Advantage account

No matter which tier you choose, every Najem Financial Advantage account comes fully loaded with the tools you need to manage money smarter, faster, and more securely.

Mobile Check Deposit

Deposit checks from anywhere using your smartphone camera. Funds typically available the next business day.

Online Bill Pay

Schedule one-time or recurring payments to anyone in the US — utilities, rent, subscriptions, and more.

Zelle® Transfers

Send money to friends and family in minutes, directly from your checking account — free of charge.

Direct Deposit

Set up direct deposit and get paid up to two days early when your employer supports early pay.

eStatements

Go paperless with secure digital statements. Access up to 18 months of statement history online anytime.

Visa® Debit Card

Tap, chip, or swipe — your debit card works everywhere Visa is accepted, at home and abroad.

Account Alerts

Customize push notifications and email alerts for low balance, large transactions, and login activity.

Online Banking

Full-featured web and mobile banking portal available 24/7 — check balances, transfers, budgeting tools and more.

Save on fees

How to waive the monthly fee

Meeting any one of the conditions below is all it takes to have your monthly maintenance fee waived for that statement period.

SafeBalance

Waive the $4.95/mo fee

  • Account owner is under 25 years old
  • Enrolled in a Najem Financial Preferred Rewards program
  • Monthly direct deposit of any amount received
This account does not permit overdrafts. Transactions that would exceed your balance are declined.

Advantage Plus

Waive the $12/mo fee

  • Maintain a minimum daily balance of $1,500
  • Monthly qualifying direct deposit of $250+
  • Enrolled in a Preferred Rewards program tier
  • Under 25 and enrolled in a qualifying program
Overdraft protection available via linked savings account or line of credit.

Advantage Relationship

Waive the $25/mo fee

  • Maintain a minimum daily balance of $10,000
  • Combined balances of $10,000 across eligible linked accounts
  • Enrolled in Preferred Rewards Gold or Platinum tier
Eligible linked accounts include savings, money market, FDs, and IRAs held at Najem Financial.
Preferred Rewards

Unlock even more with
Preferred Rewards

Your Najem Financial Advantage account is your gateway to the Preferred Rewards program — a tiered loyalty program that rewards you for the balances you already hold with us. The more you bank with us, the more you earn.

Preferred Rewards members enjoy reduced interest rates on loans and credit cards, increased credit card rewards rates, ATM fee reimbursements, and waived fees across checking, savings, and investment accounts.

Gold

$20K+ combined

Platinum

$50K+ combined

Diamond

$100K+ combined

Explore Preferred Rewards

Benefits that grow with you

Rewards Rate Boost

Earn 25–75% more rewards on eligible credit card purchases.

Savings Rate Boost

Higher APY on Money Market Savings accounts.

ATM Reimbursements

Get ATM fees refunded each statement cycle (Gold+).

Loan Rate Discounts

Interest rate discounts on personal, auto, and home loans.

Priority Service

Skip the queue with dedicated priority phone support.

Fee Waivers

Monthly maintenance fees waived on eligible accounts.

Real customers

What our customers say

Thousands of customers have made the switch to Najem Financial Advantage Banking. Here's what a few of them have to say.

"I switched to Advantage Plus after years of paying overdraft fees at my old bank. The direct deposit waiver means I've paid zero in monthly fees since I enrolled. The mobile app is genuinely the best I've used — fast, clean, and everything is exactly where you expect it to be."

M.K.

M.K.

Advantage Plus Member • 2 years

"I started with SafeBalance while I was paying off debt and getting my finances in order. No overdraft fees gave me so much peace of mind. Once I hit my savings goal I moved up to Advantage Relationship and the benefits are incredible — especially the ATM reimbursements when I travel."

D.O.

D.O.

Advantage Relationship Member • 3 years

"Setting up Zelle through Najem Financial was effortless. I split bills with my roommates, pay my personal trainer, and reimburse family instantly — all without leaving the app. Bill Pay handles my rent automatically every month. Honestly haven't written a physical check in over a year."

A.R.

A.R.

Advantage Plus Member • 18 months

Side-by-side

Full feature comparison

A comprehensive breakdown of every feature across all three Advantage tiers.

Feature SafeBalance Advantage Plus Advantage Relationship
Monthly Fee $4.95 (waivable) $12 (waivable) $25 (waivable)
Minimum Opening Balance $0 $0 $0
Personal Checks No Yes Yes
Overdraft Protection No (balance-based) Optional (linked) Optional (linked)
Overdraft Fees Never Standard rates Reduced rates
Preferred Rewards Eligible
Mobile Check Deposit
Bill Pay
Zelle® Transfers
Direct Deposit
eStatements
ATM Fee Reimbursement No Partial (PR members) Full (domestic & intl)
Interest on Balances No No Yes
Wire Transfers (outgoing) Standard fee Standard fee Free (domestic)
Priority Customer Support No Standard Priority (dedicated)
Higher Transaction Limits Standard Standard Elevated
Relationship Team Access No No Yes
Daily Balance Waiver N/A $1,500 $10,000
Direct Deposit Waiver Any amount $250+/month N/A
FDIC Insured

All features subject to terms and conditions. See your account agreement for complete details. Najem Financial reserves the right to change features at any time.

Got questions?

Frequently asked questions

Everything you need to know about Najem Financial Advantage Banking.

Yes — switching between SafeBalance, Advantage Plus, and Advantage Relationship Banking is straightforward. You can request a tier change through Online Banking, the mobile app, or by calling customer support. Most switches take effect at the beginning of the next statement cycle. There are no penalties or fees for switching. Your account number and routing number remain the same.
SafeBalance Banking is specifically designed to prevent overdrafts entirely. If a transaction would push your balance below $0, it will be declined at the point of sale. This means you will never be charged an overdraft fee. If you need overdraft protection, consider upgrading to Advantage Plus or Advantage Relationship, both of which offer optional overdraft coverage via a linked savings account or line of credit.
Any US resident who is at least 18 years old (or 13 years old with a parent or guardian as a joint account holder) can open an Advantage Banking account. You will need a valid government-issued photo ID, a Social Security number or Individual Taxpayer Identification Number (ITIN), and an initial deposit (or $0 to open). You must not have an unresolved negative banking history that would preclude opening a new account.
To close your account, first ensure your balance is at $0 and no pending transactions remain. You may close the account through Online Banking under Account Settings, by visiting a branch, or by calling us. If you have a positive balance at closure, you can request a check or transfer to an external account. Accounts with a negative balance cannot be closed until the balance is resolved. Closing your account does not affect any linked credit cards or loans.
Yes. All three Advantage tiers support joint accounts with up to two account holders. Both owners have equal rights to the account — including the ability to deposit, withdraw, and close the account. Joint accounts are a great option for couples, business partners, or parents managing accounts with adult children. To add a joint owner to an existing account, both parties must visit a branch with valid ID.
Absolutely. {{ \App\Models\SystemSetting::get('site_title', 'ZigBank') }} Advantage Banking is built for a digital-first experience. You can open the account, deposit checks, pay bills, transfer money via Zelle, set up direct deposit, download statements, manage alerts, and contact support entirely through Online Banking or the mobile app — no branch visit required. For more complex needs such as notarization or cashier's checks, a branch visit may be necessary.

Still have questions? We're here to help.

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account today.

It takes less than five minutes to apply online. No minimum opening deposit. No paperwork. No branch visit required. Pick the tier that fits your life — you can always change it later.

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Award-Winning Service

Najem Financial is a Member FDIC institution. Advantage Banking accounts are subject to approval. Monthly maintenance fees apply unless waiver conditions are met. See the Personal Schedule of Fees for complete details. Zelle® and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Visa® is a registered trademark of Visa International Service Association. Preferred Rewards program eligibility and benefits subject to change. Interest rates on Advantage Relationship accounts are variable and may change without notice. © 2026 Najem Financial. All rights reserved.