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FAQ

NYCB Online
What is NYCB Online?
NYCB Online is our online banking service that provides a quick, convenient, and easy way to manage your finances from virtually anywhere at any time.
 
With NYCB Online you can:
  • View account Transaction History²
  • Transfer funds between your NYCB accounts and/or your accounts at other financial institutions¹
  • Make Bill Payments
  • Send Money using Popmoney®
  • Receive Alerts about account information
  • Download the NYCB Mobile App
  • Update Account Information

1 Fees and limitations may apply.
2 Subject to certain limitations.
Popmoney® is a registered trademark of Fiserv, Inc. or its affiliates. Terms, fees and conditions apply.

What accounts will I be able to access with NYCB Online?
You will be able to access your Checking, Savings, CDs, IRA’s and Loan accounts through NYCB Online. It’s a tool that gives you as much access, versatility, and security as possible.
How do I enroll in NYCB Online?
To sign up for NYCB Online you will need to complete the enrollment process.
 
Steps for the enrollment process:
  1. Click on the Enroll in Online Banking link located on the homepage
  2. Enter your Account and Social Security Number
  3. Enter your Date of Birth and Security Questions or debit card information
  4. Send/Receive the Notification Code
  5. Agree to the Terms and Conditions
  6. Setup User Profile
  7. Confirm account information
General Questions
- What are the technical requirements to use the NYCB Online?
 
To access NYCB Online, we recommend using updated versions of commonly utilized browsers, such as Chrome®, Firefox®, Internet Explorer® or Safari®. You can use any computer or device that has Internet access.
 
- Can I use Quicken and Mint with the new NYCB Online?
 
Yes, you can use Quicken and Mint with the new NYCB Online.
 
- Can I renew my CD online?
 
Yes. To renew your CD online while logged into your profile, simply click on the Account Services tab. Select Renew a CD Online under the Online Services section and complete the prompted questions.
 
If you are not enrolled in NYCB Online, select the Personal Banking tab and click Renew CDs under the Certificates of Deposit section.

- What is the difference between my current and available balance?
 
Your current balance reflects transactions that have posted to your account, but will not reflect holds and pending transactions. Your available balance will include funds on hold and pending debit transactions.
 
- How often is my account information updated?
 
Account information is updated in real-time, offering you the most current information available.
 
Subject to certain limitations.
 
- How secure is my personal account information?
 
NYCB uses the latest Internet security available, including Transport Layer Security (TLS), firewalls, 128 bit encryption, and operating systems that have been designed to provide maximum security.
 
- Why do I automatically get signed off sometimes and have to re-sign in?
 
If NYCB Online has been inactive for 10 minutes, it will automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.
 
Questions about Login
- How do I login to NYCB Online?
 
To log into NYCB Online locate the login section on the left hand side of the homepage. You will need your User ID, Password and Security Questions that were created during enrollment.
 
- Can I create my own password?
 
Yes. During the enrollment process, a prompt will appear to create a new password. Your password can also be changed at any time by visiting the Account Services tab within NYCB Online.
 
- What happens if I forget my password?
 
If you have forgotten your password, click on the “Need Help Logging In?” link located underneath the user login and select “Forgot Password”. From there, follow the prompts to reset your password.
 
- What do I do if I cannot find the original passcode issued to me?
 
If you cannot find the original passcode issued to you, click on the “Need Help Logging In?” link located underneath the user login and select “Reset Passcode”. From there, follow the prompts to receive a new temporary passcode.
 
- What is the difference between a password and a passcode?
 
These are very different. A passcode is a one-time use security credential that is made of two parts. This passcode is only used once to gain initial access to NYCB Online or used to reset a password or security questions once these have been established.
 
A password is established during User Enrollment when first accessing NYCB Online and will be used each time you log in.
Questions about Transfers
- Can I transfer money internally between my NYCB accounts?
 
Yes. If you have more than one NYCB account, you can easily transfer money to and from different accounts.²
 
- What is an External Transfer?
 
The External Transfer service allows you to transfer funds between your accounts at NYCB and your accounts at other financial institutions.¹
 
- How long does it take to process a transfer?
 
Internal Transfers will process immediately after they are sent.²
 
Standard External Transfers will take three business days to process not including the day the transfer is initiated.¹
 
Next Day External Transfers will take one to two business days to process not including the day that the transfer is initiated.¹
 
- What are account transfer limits and how are they set?
 
Your transfer limits are shown in the Transfer Funds section next to the amount you want to transfer by clicking on the icon. If you try to transfer an amount that is higher than your limit, a message informs you how much money you can transfer.
 
- What is a recurring transfer?
 
An automatic transfer of a specified amount from one account to another based on a consistent schedule. For example, you may want to set up a recurring transfer to automatically move $500 from your money market account to a checking account at the end of each month.³
 
You need to make three decisions that determine the frequency and duration of the transfers:
  • When do you want the first transfer to start?
  • How often do you want to transfer the money?
  • What is the duration of the recurring transfer?

When you set up a transfer schedule, the transfers are automatically scheduled for the duration you choose or until you cancel the repeating transfer.²

1 Fees and limitations may apply.
2 Limitations may apply.
3 There may be transactional limitations on money market accounts. Please refer to your account disclosure for more information.
Questions about Bill Pay
- What is Bill Pay?
 
Bill Pay is a fast, easy, convenient and secure way to pay your bills.
  • Pay all of your bills through the Payment Center of NYCB Online. Here you will see a summary of your recent and pending payments, as well as the option to set up Bill Reminders.
  • Receive your bills directly to your online account via e-Bills. You can choose to pay them with automatic, scheduled, or manual payments.
  • Review your Bill History to keep track of the Pay Date and Status of your payments.

- How does Bill Pay work?

To pay your bills online, simply add the companies and/or people you want to pay. Then, proceed to the Payment Center to select the payment amount and date for your payment to be delivered on. You can review the payment information under the Pending Payments section on the right hand side of the page. Once the Payment is processed you can find your payment under the Recent Payments section for up to 45 days. To view additional payment history, click on the Bill History sub-tab.
 
- Is it difficult to register for Bill Pay?
 
Actually, it couldn’t be easier. Once your NYCB Online profile is established, click on the Pay Bills tab to enroll. Only checking and money market accounts that offer check writing privileges can be used for bill payments.
 
There may be transactional limitations on money market accounts. Please refer to your account disclosure for more information.
 
- Who can I pay with Bill Pay?
 
You can use Bill Pay to pay any company or person with a U.S. address. Bill Pay offers the flexibility and convenience of paying all of your bills from one place. This includes charge accounts, auto loans, professionals, utilities, even a relative. Tax payments and court directed payments cannot be processed through the Bill Pay system.
 
- Can I use Bill Pay when I'm out of the country?
 
Yes! Bill Pay is an excellent way to make sure your bills are being paid while you're traveling. All you need is access to a secure internet browser, and you can pay bills from anywhere.
 
- What happens if I pay my bills on the weekend or on a holiday?
 
You can set up your payments anytime; however, these payments will not be processed until the first business day after a weekend or holiday.
 
- Can I schedule recurring payments?
 
Yes. You can schedule your payments to best suit your lifestyle. Payments can be set up on a weekly, monthly, quarterly, or annual basis.
 
- When are payments deducted from my account?
 
Payments are deducted from your account on the Payment Date unless the payment is sent as a draft check. A draft check is drawn on your account directly and is not deducted from your account until the recipient presents the check for payment.
 
- Can I cancel a pending bill payment?
 
You can cancel any payment that has not started processing. After you cancel a payment, the status changes to Canceled and the payment will not be processed. Canceled payments appear in the Recent Payments section of the Payment Center.
 
Note: If you cancel a payment that is part of an automatic payment schedule, only the selected payment is canceled. To cancel all payments in an automatic payment schedule, click on the AutoPay link located under the payee name.
 
- What are Bill Reminders?
 
Reminders are useful when you want help remembering to make payments on time, but you aren’t ready to set up automatic payments. Go to the Payment Center to set up and manage reminders. You can even schedule reminders up to 28 days in advance of your payment due date.
 
- How secure is my personal information?
 
We use several methods to ensure that your information is secure.
  • TLS—Transport Layer Security is a protocol that ensures privacy between communicating applications and their users on the Internet. When a server and client communicate, TLS ensures that no third party may eavesdrop or tamper with any message.
  • Encryption—128-bit encryption makes your information unreadable as it passes over the Internet.
  • Automatic Sign Out—Automatically signs you out of a session if you are inactive for a predefined time (10 minutes). It is best if you sign out immediately after you finish your tasks.

- What are e-Bills?

An e-Bill is an electronic version of a bill or statement. You can receive, view, and pay e-Bills in NYCB Bill Pay. When your e-Bill arrives, it appears in the Payment Center, and you can view and pay it online. You control the date and amount of your payment.
 
- How do e-Bills work with NYCB Online Bill Pay?
 
We can receive e-Bills from hundreds of companies nationwide. When a company is eligible for e-Bills, a Get Bills icon appears next to the biller name. Click the icon to go to the Add an e-Bill page. Enter the information that your biller requires to set up e-bill service, and the request will be sent to the biller.
Questions about Popmoney®
- What is Popmoney®?
 
Popmoney is a quick and easy way to pay people you know. You can send money to - or request money from - almost anyone, directly from online and mobile banking.
 
Use Popmoney to:
  • Send money for your rent, your share of the bills, or last night's dinner
  • Request money for a group event or gift
  • Avoid the hassles of sending and depositing checks

To discover all the ways to pay and get paid with Popmoney, log into NYCB Online, go to the Payments tab, and click on Popmoney.

- How does Popmoney work?
 
Sending Money:
     ∙ Select Popmoney from the Payments tab
     ∙ Click on Add a New Contact
     ∙ Enter the name and email, mobile phone number, or account information for the person you're paying
     ∙ Enter a message and payment instructions, and you are all set
     ∙ You will be notified when the transaction is complete
 
Requesting Money:
     · Select Popmoney from the Payments tab
     · Click on Add a Contact
     · Enter the name and email or mobile number for the person(s) you are requesting money from
     · Enter a message and instructions, and you are all set
 
- How is Popmoney different from other payment services?
 
You can send and request money electronically to/from friends and family without account information.
 
- Is Popmoney available outside of the United States?
 
No, currently Popmoney is only available for use between registered users residing within the United States.
 
- How does a person accept a payment through Popmoney?
 
The recipient will have ten days to provide Eligible Transaction Account information, if they have not done so already. If they exceed the ten day limit, the funds will be returned to the sender and the recipient will have to request another transfer.
 
If you are currently enrolled in Popmoney with NYCB Online, visit the Popmoney Overview screen to review your To Do List and provide instructions to accept a payment. If you would like to enable Automatic Deposits, click on the Popmoney Preferences tab and select the Enable radio button.
 
- What are the different ways I can request money from someone?
 
You can request money from someone using their:
     · Name and email address: your contact will receive an email with instructions on how to pay the request
     · Name and mobile phone number: a text message will be sent to the recipient on your behalf with instructions on how to pay the request
 
- When will I receive the funds I request?
 
The person you requested money from has to sign up with Popmoney, if not registered already.
 
Once he/she has signed up successfully and pays the request, you should receive the payment within three business days. The payment will be deposited into the Eligible Transaction Account you selected when sending the request.
 
- Do I pay a fee if my request is not paid?
 
No. A fee will be deducted only if you receive a payment. No fee will be charged if the request is not paid.
 
- When will requested funds be available in my account?
 
Your funds will be available as early as one business day from the date that you provide your Eligible Transaction Account information. You will receive a confirmation email when the credit is sent to your bank account with the date the funds will be in your account.
 
Popmoney® is a registered trademark of Fiserv, Inc. or its affiliates. Terms, fees and conditions apply.
Questions about Personal Money Manager
- What is Personal Money Manager?
 
Personal Money Manager is a budgeting tool where you can categorize your transactions and view your spending trends. Login to NYCB Online and visit the Spending tab to manage your categories.
 
- Can I set up Budget Categories for my spending?
 
Yes, to set up Budget Categories on your account:
  • Click on the Spending tab
  • Select the Add a Category to Your Budget link under the This Month's Budget tab
  • Select a Category or Subcategory from the drop down box
  • Enter the amount you wish to establish for your monthly budget
  • Click “Add”

- How do I categorize my transactions?

To Categorize Transactions:

  • Go to the Account Activity page
  • Select an account and date range to find transactions to be categorized
  • Click on the description in the Category column and then select a category/subcategory from the drop-down box

- How do I view my Spending Activity?

View Monthly Spending Activity:
  • Select the Spending tab
  • Choose a month from the drop-down menu

A pie chart will display the categorized transactions and budget items for the month.

Questions about Alerts
- Can I set up account Alerts online?
 
Yes. Login to NYCB Online and click on the Alerts tab. You can set up various Transaction and Balance alerts.
 
- How do I set up Alerts online?
 
To set up a new alert on your account:
  • Go to the Alerts tab within NYCB Online
  • Select the account
  • Choose the Alert Type - Transaction Alert or Balance Alert
  • Select the parameters of you alert (i.e. when my balance falls below $100)
  • Choose how to receive the alert: email, text message, and/or push alert (through the NYCB Mobile App)
  • Click “Submit"

Alerts must be setup on each account individually.

- Do you have Alerts to protect my accounts and security?
 
Yes. To protect you and your accounts, we will automatically notify you if any of the following items are changed:
  • Email Address
  • Phone Number
  • Address
  • Alert Profile
  • User ID
  • Password
  • Security Questions
  • Security Phrase
Questions about e-Documents
- How do I enroll in e-Documents?
 
You will be prompted to enroll in the service when visiting the e-Documents tab. Follow the instructions on the page to complete the enrollment process.
 
- What are e-Statements?
 
An e-Statement is an electronic version of your account statement that you can view, search, save, and print at your own convenience. It is a safe, simple, and eco-friendly way to view your monthly statements.
 
When will my e-Statements be available online?
 
Your e-Statements begin to accumulate after you complete the Paperless Enrollment with each statement cycle.
 
Will my e-Statement look the same as my regular printed statement?
 
Yes, and it will contain all the information that you received in your paper statements. For legal purposes, a printed version of an e-Statement is the same as a paper statement mailed via U.S. Mail.
 
How much does it cost to receive e-Statements online?
 
It’s free to receive and view e-Statements online. You will receive an email reminder each time a new e-Statement is available.
 
How can I view or get a copy of my e-Statements?
 
Login to NYCB Online and select the e-Statements sub-tab under the e-Documents tab.
Have a Question?
Call customer service at
1 (877) 786-6560
 
 
Help for Homeowners
with payment difficulties
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The Divisions of New York Community Bank

Queens County Savings Bank​

Established on April 14, 1859 in the village of Flushing, Queens County Savings Bank was the first savings bank chartered by the State of New York in the New York City borough of Queens. Until then, local residents would need to travel to Manhattan to do their banking; the opening of the borough’s first local bank was accordingly met with elation and relief.

While the bank expanded here and there over the course of the next 14 decades, its greatest growth occurred in just the last 15 years. In anticipation of expanding its franchise through the first of several mergers, the Bank changed its name to New York Community Bank on November 21, 2000. By the end of that year, NYCB had grown from 14 to 86 branches; today, it has more than 220 branches in five states.

In deference to its heritage as a Queens-based institution, the Community Bank operates each of its 38 branches in the county under its original name, Queens County Savings Bank.

Roslyn Savings Bank

Established in 1875, The Roslyn Savings Bank was the first financial institution headquartered in Nassau County, one of two counties--with Suffolk--that constitute Long Island, New York. Its founders wanted to build a bank that would provide the Island’s residents with a safe place for their savings, as well as the financial assistance they’d need to build or purchase homes.

A member of the NYCB Family of Bank since October 31, 2003, Roslyn Savings Bank today serves the Island’s businesses and consumers through 42 conveniently placed branch offices.

Richmond County Savings Bank

A member of the NYCB Family of Banks since July 31, 2001, Richmond County Savings Bank is the third oldest of our divisions, with roots that go back to October 30, 1886. It was then that the bank was established to serve those who lived and worked on Staten Island, and it was less than one year later that it made its first mortgage loan.

Today, nearly every street on the Island has at least one home that was financed by Richmond County Savings Bank.

Originally located in the Odd Fellows Building at the corner of Richmond Terrace and Broadway, the Bank today has 20 convenient banking locations in all.

Roosevelt Savings Bank

Roosevelt Savings Bank was established in 1895 on the corner of Gates Avenue and Broadway in Brooklyn under the name “Eastern District Savings Bank.” In 1920, the bank changed its name to honor the memory of the nation’s 26th president, Theodore Roosevelt.

In February 1999, Roosevelt Savings Bank merged with and into Roslyn Bancorp, which merged with and into New York Community Bancorp, Inc. in October 2003.  Today, Roosevelt Savings Bank serves its customers through seven branches in Brooklyn as a member of the NYCB Family of Banks.

Garden State Community Bank

Garden State Community Bank has been a member of the NYCB Family of Banks since March 2008, when we combined all the branches of four smaller New Jersey-based divisions--First Savings Bank of New Jersey, Ironbound Bank, Penn Federal Savings Bank, and Synergy Bank—into a single division with a highly relatable name.

While Penn Federal Savings Bank and Synergy Bank were directly acquired in 2007, First Savings Bank of New Jersey and Ironbound Bank were acquired in 1999 by Richmond County Financial Corp., which subsequently merged with NYCB.

By combining the strengths of these four local banks with the strengths of our institution, we established a Garden State community bank that offers more products and services, and more convenient locations, than any one of these banks provided on its own.

Today, we serve our customers through 45 branches in Essex, Hudson, Mercer, Middlesex, Monmouth, Ocean, and Union Counties, most of which first opened their doors nearly 14 decades ago.

AmTrust Bank

AmTrust Bank is one of the more recent additions to a respected banking family that has been serving customers and communities for more than 156 years.

The first branch of AmTrust Bank opened its doors in the late 1980s, when Ohio Savings Bank opened the first of its branches in south coastal Florida under the “AmTrust Bank” name. Eleven years later, it expanded again--this time to Arizona--and on December 4, 2009, it joined the NYCB Family of Banks. With our acquisition of Desert Hills Bank less than four months later, we further expanded our franchise in the Grand Canyon State.

Currently in its seventh year as an NYCB division, AmTrust Bank serves its customers through 41 convenient branches: 14 in central Arizona and 27 in Florida.

Ohio Savings Bank

Ohio Savings Bank is one of the more recent additions to a respected banking family that has been serving customers and communities for more than 156 years.

Established in 1889 as the Ohio Savings Home Loan and Building Co., the bank’s initial expansion was limited to Ohio until it opened its first Florida branch in 1989. Eleven years later, it expanded again, this time to Arizona. And seven years later, it changed its name to AmTrust Bank.

On December 4, 2009, AmTrust Bank became the newest member of our banking family, the first of our divisions to serve customers in non-contiguous states. Four months later, we elected to pay tribute to its forebear, by operating our 28 branches in Ohio under a more suitable name: Ohio Savings Bank.

To learn about our commercial bank, visit

New York Commercial Bank 


© 2017 New York Community Bank ® All Rights Reserved   |   New York Community Bank (NMLS# 249276, MD# 21548). Click here to view NMLS Consumer Access. 
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