New York Community Bank full review
Enrolling in e-Statements allows you to enjoy no monthly fee with My Community Free Checking, which is one of the top checking accounts in 2023.
Discover the Benefits of a New York Community Bank Account
New York Community Bank has deep historical roots, dating back to its establishment in 1859 as Queens County Savings Bank. Originally a neighborhood bank in Flushing, New York, it has grown over time while maintaining its commitment to community-focused banking.
Today, New York Community Bank stands as a significant presence in the United States, with branches and ATMs in multiple states, including New York, New Jersey, Florida, Ohio, and Arizona. It has expanded its offerings to provide a wide array of financial products and services to meet the diverse needs of its customers.
Exploring New York Community Bank’s Checking Accounts
New York Community Bank offers four distinct checking account options to cater to different individual preferences. Let’s delve into the details of each account:
1. Free Checking
Open a Free Checking account with as little as $1 and enjoy the freedom to make payments online, by check, or through a debit card. By signing up for e-statements, you can avoid monthly fees. Applying for this account is convenient, with both online and in-branch application options available.
Account Features:
- Only $1 required to open the account
- No monthly fee with e-Statements
- Free NYCB Debit Card
- Online and mobile banking
- Unlimited check writing
- Free access to over 56,000+ ATMs
- Even > More Rewards points program
- Overdraft Shield
2. Basic Checking
Experience hassle-free everyday banking with the Basic Checking account. Enjoy low fees and essential features like direct deposit, online bill pay, and a user-friendly mobile app with mobile check deposit.
- Only $1 required to open the account
- Low monthly fee of $2 as maintenance fee
- Free NYCB Debit Card
- Online and mobile banking
- Unlimited check writing
- Free access to over 56,000+ ATMs
- Even > More Rewards points program
- Overdraft Shield
3. Interest Checking
Maximize your money with the Interest Checking account, which earns interest on balances over $100. This account is ideal for those looking to make the most of their funds with competitive interest rates.
- $100 required to open the account
- Earn interest with a daily balance of $100
- No monthly fees with a daily balance of $500
- Free NYCB Debit Card
- Unlimited check writing
- Free access to over 56,000+ ATMs
- Even > More Rewards points program
- Overdraft Shield
4. 50+ Checking
Discover the benefits of checking after 50 with the 50+ Checking account. Earn interest, enjoy unlimited check writing, and take advantage of a rewards program tailored to support you in your best years yet. Local bankers are ready to assist you throughout the account setup process.
- Specifically designed for customers aged 50+
- $100 required to open the account
- Earn interest with a daily balance of $1,000
- No monthly fees with a daily balance of $1,000
- Unlimited check writing
- Free access to over 56,000+ ATMs
- Even > More Rewards points program
- Overdraft Shield
Manage Your Finances on the Go with the NYCB Mobile App
With the latest version of the NYCB Mobile app, you have access to a range of powerful tools that enable you to manage your finances anytime, anywhere. Take advantage of these features:
- Instant Balance: Quickly view your account balance without logging in
- Fingerprint Login and Face ID: Securely and conveniently access your accounts using biometric authentication
- Mobile Alerts: Stay informed about your account activity with timely mobile notifications
- Bill Payments: Streamline your life by making bill payments directly from your mobile device
- Zelle®: Easily send money to trusted contacts using the Zelle® service for seamless person-to-person payments
- Mobile Deposit: Effortlessly deposit checks by capturing images with your mobile device, ensuring fast availability of funds
Learn How to Apply for a New York Community Bank Account
If you’re ready to open a New York Community Bank account, it’s time to take the next step and learn how to apply for a New York Community Bank checking account. Visit our website for more information and begin your application process today.
