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Frequently Asked Questions

Have questions? We have answers! Please contact us if you have a question not covered here.


Amboy Direct is the online division of Amboy Bank, a New Jersey institution that has been around for more than 130 years. We’ve also been voted “Best Bank” for more than 20 consecutive years!
We can pay more because Amboy Direct clients do not use branches. This helps reduce our costs, which means we can pay you higher rates and bring you added value.
No! While many of our products are for New Jersey residents only, we’re proud to offer a number of products to the entirety of the United States.
Opening an account online is easy and takes less than ten minutes. You need to be at least 18 years old and a citizen or Resident Alien of the United States (some accounts also require New Jersey residency). Please have your Social Security Number, a photo ID, and your external funding information handy.
No. Your Amboy Direct account can be linked to any non-Amboy checking account, making it easier for you to transfer money whenever you want.
Opening an Amboy Direct account is quick, easy and convenient. Click Open Now to begin our secure account opening process and enter the required information. You will then be asked to confirm the microdeposits in your linked external account. Lastly, you'll transfer money from your linked account to your new Amboy account.
To verify your depoits, you will need to note the microdeposit amounts (less than $1.00) in your linked external account. Then, log in to Amboy Digital Banking and correctly identify the deposit amounts.
We will notify you via email when your application has been approved and your account is open and available to access.
You can access your accounts 24/7 through our Digital Banking platform, available on any device. 
After signing into Digital Banking, you will be able to transfer money from the account that you used to originally fund your Amboy Direct account. If you would like to change your funding institution, please complete this form.
If you would like to change your funding institution, please complete this form.
Absolutely. You may contact an Amboy Direct representative right here in New Jersey through our toll-free number, 1-877-22-AMBOY. Our hours of operation are Monday-Thursday 8:30am to 7:00pm; Friday 8:30am to 5:00pm; and Saturday 9:00am to 1:00pm.
You can add a second owner to the account at the time of account opening, or later by mailing the request to us. Please include the name, address (if different), telephone number, social security number and date of birth as well as your account number. We also need photo copies of the current account holder and second owner's driver’s licenses to complete this change.
We can accept up to two beneficiaries on an individual account. You may complete this form and mail or fax to us. Please call us for more information.
Our account opening process and Digital Banking platform employ state of the art security practices, so you can rest assured that your information is safe.
Amboy Direct relationships are FDIC-insured up to $250,000 per depositor.
No. Neither Amboy Bank nor Amboy Direct share client information. You trust us with your personal financial information, and we honor that trust by handling your information discretely and sensibly.