A Free Checking Account with Great Benefits.

We have the ideal free share draft (checking) account to fit your needs.  Our checking account was designed to keep it simple and free!

Get your checks sent directly to you.

The Credit Union now partners with Main Street Checks for you to be able to order your checks online directly.

Click HERE for a complete up to date catalog of the all the check offerings.

Click HERE to order online. NOTE, first time check orders need to be completed with a Novartis FCU staff member, please call 973-947-1000 for assistance.

Share Draft/Checking

Effective Date 9/1/2022, Rates Subject to Change

Share Draft/Checking*RateAPY**
*Share Draft Accounts with average daily balances under $500 are not paid a dividend

To open or add a Checking account, you must have a Share (savings) account established.  Then, please complete the application form, and email to with a copy of your  official ID and work badge. You will have to come by our branch to sign the application, or send us a signed and notarized application.  An opening deposit of $50.00 is required and can be mailed in or transferred from your Share account.

^ Bill pay is free if one (1) bill per month is paid, otherwise you will incur a $4.95 fee.

^^Subject to credit approval and credit union lending guide lines.
^^^There is a $5.00 fee per a transfer and is subject to Reg D (
Regulation D is a federal regulation which places certain limits on the number of transfers or withdrawals members can make from their savings accounts, the limit is 6 per month)

Stop in to our branch to fill out an application to open the account. Make sure to bring proper identification with you, (Drivers License, State ID, Passport, etc.) By simply opening a checking account, you instantly qualify to take advantage of all Credit Union member benefits. Once you are a member you are a member for life.

As a Novartis Federal Credit Union member, you will not only benefit from many quality and convenient financial services, but also from our low loan rates. We have the financial products and services you need for every stage of your life.

We are convenient. fast. friendly.