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Personal Checking


The right checking account is waiting for you—even if you never write checks! Spend and save your way with an FDIC-insured checking account with unlimited possibilities.

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Choose the right checking account for you.

My Community
Free Checking
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My Community
Basic Checking
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My Community
Interest Checking
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My Community
50+ Checking
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Minimum amount to open an account

$1

$1

$100

$100

Monthly fees

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

Does the account earn interest?

No

No

Yes, on daily balance of $100 or more

Yes, on daily balance of $1,000 or more


Everything you need to bank your way


ATM with Money image

Free access to 56,000+ ATMs2

Computer and a Phone

Online and Mobile banking3

Written check

Unlimited Check Writing

Two debit cards

Free NYCB Debit Card4

Why bank with us?

Best Bank Badge
My Community Free Checking is among the Best Checking Accounts of 2023.
Forbes Best Bank badge
We are thrilled that Forbes named us to its list of Best Banks in America.
Open a checking account in minutes.

1


Tell us about yourself.


You’ll need a valid U.S. address, Social Security or tax ID number, and a form of ID.

2


Verify your identity.


We’ll do a quick security check to protect your information.

3


Add money to your new account.


You can transfer funds from an account at NYCB or another financial institution.

Bank whenever, wherever with NYCB Mobile.

Person Writing Check On Laptop

Download the latest version of NYCB Mobile so you can manage your money on the go. 5

  • Instant balance
  • Fingerprint login and Face ID
  • Mobile alerts
  • Pay bills
  • Use Zelle® to send money to people you trust
  • Mobile deposit6
Download NYCB Mobile app from App Store Download NYCB Mobile app from App Store

Questions?
Find the answers on our FAQ page.

Two easy ways to get started

Icon with check mark within a desktop computer.

Apply Online

Apply Online
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Apply at a local branch

Find a Branch
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Earn a higher rate with a CD.

Lock in a competitive rate for a few months or longer with an NYCB certificate of deposit.

A check being written
Business checking that thinks like you do.

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.