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My Community 50+ Checking

Discover the benefits of checking after 50. Earn interest
and enjoy unlimited check writing, a reward program, and local bankers ready to support you through your best years yet.

Apply Online Find a Branch

Account Features

For Customers 50+

For customers 50+1

No monthly fee with e-Statements1

$100
to open1

earn interest

Earn interst

with a daily balance of $1,0001

Free NYCB Debit Card

No monthly fees1

with daily balance of $1,000

Unlimited check writing

Unlimited check
writing

Free access to over 56,000+ ATMs>

Free access to over
56,000+ ATMs 2

Even > More Rewards points program

Even > More Rewards
points program3

Overdraft protection

Overdraft
Shield4

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

Open a checking account in minutes.

one

Tell us about yourself.

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

twp

Verify your identiy.

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

three

Add money to your
new account.

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

Why bank with us?

one
My Community Free Checking
is among the Best Checking
Accounts of 2023.
one
We are thrilled that Forbes
named us to its list of Best
Banks in America.

Questions?

Find the answer on our FAQ page.

Two easy ways to get started

Apply Online

Apply Online

Apply at a local Branch

Apply at a local branch

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Take the first step toward your goal today.

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Earn a higher rate with a CD.

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Business checking that thinks like you do.

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.