Skip to main content

My Community Free Checking

With as little as $1, you can open a checking account and pay for things the way you want—online, by check or debit card. Plus, you can avoid monthly fees when you sign up for e-statements.

Apply Online Find a Branch

Account Features

Only $1 to open

Only $1
to open

No monthly fee with e-Statements1

No monthly fee with
e-Statements 1

Free NYCB Debit Card

Debit Card 2

Online and mobile banking

Online and mobile

Unlimited check writing

Unlimited check

Free access to over 56,000+ ATMs>

Free access to over
56,000+ ATMs 4

Even > More Rewards points program

Even > More Rewards
points program5

Overdraft protection

Shield 6

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. 7

  • Instant balance
  • Fingerprint login and Face ID
  • Mobile alerts
  • Pay bills
  • Use Zelle® to send money to people you trust
  • Mobile deposit8
Download NYCB Mobile app from App Store Download NYCB Mobile app from App Store

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
new account.

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

Why bank with us?

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


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

You may also be interested in:

House keychain with keys attached
Take the first step toward your goal today.

Open a My Community Savings or Super Savings Account.

Person smiling holding a card and tablet
Earn a higher rate with a CD.

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

Computer with NYCB SMART newsletter on screen
Business checking that thinks like you do.

Keep your business running
smoothly with the right checking account.

1 My Community Free Checking account is available for personal accounts only. You must sign up for Free NYCB Online Banking and consent to electronic delivery of disclosures and statements in order to open and/or maintain the My Community Free Checking account. No maintenance and activity fees apply. For complete terms and conditions speak with a branch representative.

2 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.

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 Currency conversion fee may apply to transactions outside the U.S.

5 My Community Free Checking accounts with a Visa® Debit Card are automatically enrolled in the Rewards Program. Offer may be withdrawn at the discretion of the bank at any time.

6 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.

7 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.

8Not 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.