N.J. Admin. Code § 3:1-19.1
The following words and terms, as used in this subchapter, shall have the following meanings, unless the context clearly indicates otherwise:
"Account agreement" means the agreement governing a New Jersey Consumer Checking Account.
"ATM" means automated teller machine.
"Check" means any check as defined in 12A:3-104, share draft, negotiable order of withdrawal, or similar means of making payment or transfers to third parties, the customer, or others, which is drawn on an account in a depository institution and is payable on demand. It shall not include debits to the account for maintenance charges, fees, printing checks, pre-arranged automatic withdrawals, and other similar services.
"Consumer" means a natural person who resides in this State, except that a credit union may require that the natural person be a member of the credit union in accordance with the credit union's rules of membership.
"Customer" means a consumer who has a New Jersey Consumer Checking Account.
"New Jersey Consumer Checking Account" or "account" means a deposit account established pursuant to 17:16N-3 and with respect to which the account holder is permitted to make payments to third parties or others by check.
"Non-conforming account" means a New Jersey Consumer Checking Account which does not contain the characteristics set forth in 3:1-19.2 but has been individually approved by the Commissioner pursuant to 3:1-19.3.
N.J. Admin. Code § 3:1-19.1