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My Community Interest Checking

Put your money to work with a checking account that earns interest on balances over $100. With our competitive rates, this account is perfect for those looking to get the most out of every dollar.

Apply Online Find a Branch

Account Features

Only $1 to open

to open1

earn interest

Earn interst

with a daily balance of $100

Free NYCB Debit Card

No monthly fees2

with daily balance of $500

Free NYCB Debit Card

Debit Card 3

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


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

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Take the first step toward your goal today.

Open a My Community Savings or Super Savings Account.

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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.

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Business checking that thinks like you do.

Keep your business running
smoothly with the right checking account.

1 Minimum deposit to open account is $100. There will be a fee if your account is closed within 180 days of opening.

2 $6.00 monthly fee when daily balance is below $500.00

3 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.

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

5 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.

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.

8 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.