Choose the right checking account for you.
No monthly fee, but must be enrolled in e-Statements1
$2 maintenance fee
$6 monthly fee waived with $500 daily balance
$5 monthly fee waived with $1,000 daily balance
Yes, on daily balance of $100 or more
Yes, on daily balance of $1,000 or more
Free access to 56,000+ ATMs2
Online and Mobile banking3
Unlimited Check Writing
Free NYCB Debit Card4
Tell us about yourself.
You’ll need a valid U.S. address, Social Security or tax ID number, and a form of ID.
Verify your identity.
We’ll do a quick security check to protect your information.
Add money to your new account.
You can transfer funds from an account at NYCB or another financial institution.
Find the answers on our FAQ page.
Open a My Community Savings or Super Savings Account.
Lock in a competitive rate for a few months or longer with an NYCB certificate of deposit.
Keep your business running smoothly with the right checking account.
1 eStatements required, go to the My Community Free Checking page for more information.
2 Currency conversion fee may apply to transactions outside the U.S.
3 Not all devices supported. Available for eligible personal and business checking and savings account customers only. CD customers may view their balance and account activity only. Must be an active personal online banking user.
4 This debit card is issued by New York Community Bank, a division of Flagstar Bank, N.A. pursuant to a license from Visa U.S.A. Inc.
5 Not all online features may be available through the mobile app. Standard messaging and data rates may apply. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc.
6 Not all devices supported. Available for eligible personal and business checking and savings account customers only. CD customers may view their valance and account activity only. Must be an active personal online banking user. Must be a customer for a minimum of two business days. Accounts must be in good standing.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.