For customers 50+1
with a daily balance of $1,0001
No monthly fees1
with daily balance of $1,000
Free access to over
56,000+ ATMs 2
Even > More Rewards
Open a checking account in minutes.
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 identiy.
We’ll do a quick security check
to protect your information.
Add money to your
You can transfer funds from an account
at NYCB or another financial institution.
Why bank with us?
Find the answer on our FAQ page.
Two easy ways to get started
Apply at a local branch
You may also be interested in:
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 At least one account owner must be 50 years of age or older at the time the account is opened. Minimum $100 deposit to open account. Minimum account balance to earn interest is $1,000. No interest is paid on balances below $1,000. $5 monthly fee if daily balance is below $1,000.
2 Currency conversion fee may apply to transactions outside the U.S.
3 The Rewards Program is available for personal checking accounts only. Restrictions apply. Eligible personal checking accounts with a Visa® Debit Card are automatically enrolled in the Rewards Program. No minimum monthly balance requirement to participate. Customer must accumulate a minimum of 2,000 Reward Points ($20 in cash) before becoming eligible for redemption. Points will be accumulated for all Visa® check card transactions of $50 or more. A value of 10 points ($0.10 in cash) will be awarded for each qualified signature and PIN-based (Point-of-Sale Debit/Credit) Visa® Debit Card transaction of $50 or more. ATM transactions do not qualify. There is a fee for Point-of-Sale Debit transactions; fees may offset earnings. Please refer to the current fee schedule for further details. Maximum $500 in Cash Rewards may be earned in any calendar year (50,000 Reward Points). Reward Points earned after the customer reaches the $500 annual Cash Reward maximum will be carried over automatically into the next calendar year and credited to the customer’s account. If the account is closed or in the event the Rewards Program is discontinued, any existing accumulated points would be forfeited. Please consult your tax advisor. Offer may be withdrawn at the discretion of the bank at any time.
4 When you enroll in Overdraft Shield, you may setup a funding account by linking another deposit account on which you are an owner, such as a savings, money market, or checking account, to your checking account for overdraft protection purposes. If your funding account earns interest, you should decide whether the cost or returned or declined transactions on your checking account you anticipate you will avoid under the funding account arrangement will be greater than the amount of interest you will forgo by having funds transferred from the funding account. You may request our Truth-in-Savings Disclosures for the type of account you propose to use as a funding account. It offers information regarding how interest is determined on the funding account and any minimum balance or other requirements to earn interest on the funding account.
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 balance and account activity only. Must be an active personal online banking user. Must be 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.