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Rewards Program

Earn Points that lead to cash rewards! - Banner
Earn points that lead to cash rewards every time you use your Visa® Debit Card on qualifying transactions with our Rewards program:

The Rewards programs each work exactly the same way and you’re automatically enrolled into the program just by opening one of our consumer checking accounts.  

Start earning cash with as little as 2,000 Rewards points, or $20 cash.  Be sure to watch your points accumulate each month on your statement.  Earn up to 50,000 points or $500 each calendar year.  And if you earn more than that, your points carry over to the next year so you lose nothing – and your points will never expire.  Each time you accumulate 2,000 points or more, we will credit your account, on your monthly statement, with cash, up to $500 a year.

Here’s how you can earn points each month using your Visa® Debit Card for signature-based purchases (choose “Credit” at point of sale) or PIN-based purchases (choose “Debit” and enter your PIN at point of sale): 

 

​If you use your Visa* Debit Card to pay for:
Points you can earn per month*​ ​You can earn in one year How much cash that equals in one year**​
​Groceries(6x/month) 60​ points
​720 points ​$7.20
​Filling up your gas tank(6x/month) ​60 points
​720 points $7.20​
​Dinner out with the family(12x/month) ​120 points
​1,440 points ​$14.40
​Prescriptions(2x/month) ​20 points ​240 points ​$2.40
​Entertainment(4x/month) ​80 points
​960 points ​$9.60
​Daycare(4x/month) ​80 points
​960 points ​$9.60
​Home Improvements(2x/month) ​20 points ​240 points ​$2.40
​Vacation(1x/month) ​10 points ​120 points ​$1.20

 

Using the example above, when you add up your one-time points and your monthly points earned using your Visa® Debit Card, you can earn up to 5,400 points or $54.00 in just the first year!

 

* The point values listed are based upon the assumption that each transaction is at least $50 or more.

** The cash values listed are based upon the assumption that the transactions listed to the left are made for each month (12 months) in a calendar year.

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. The bank is not responsible for typographical errors. Offer may be withdrawn at the discretion of the bank at any time.

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The Divisions of New York Community Bank

Queens County Savings Bank​

Established on April 14, 1859 in the village of Flushing, Queens County Savings Bank was the first savings bank chartered by the State of New York in the New York City borough of Queens. Until then, local residents would need to travel to Manhattan to do their banking; the opening of the borough’s first local bank was accordingly met with elation and relief.

While the bank expanded here and there over the course of the next 14 decades, its greatest growth occurred in just the last 15 years. In anticipation of expanding its franchise through the first of several mergers, the Bank changed its name to New York Community Bank on November 21, 2000. By the end of that year, NYCB had grown from 14 to 86 branches; today, it has more than 220 branches in five states.

In deference to its heritage as a Queens-based institution, the Community Bank operates each of its 38 branches in the county under its original name, Queens County Savings Bank.

Roslyn Savings Bank

Established in 1875, The Roslyn Savings Bank was the first financial institution headquartered in Nassau County, one of two counties--with Suffolk--that constitute Long Island, New York. Its founders wanted to build a bank that would provide the Island’s residents with a safe place for their savings, as well as the financial assistance they’d need to build or purchase homes.

A member of the NYCB Family of Bank since October 31, 2003, Roslyn Savings Bank today serves the Island’s businesses and consumers through 42 conveniently placed branch offices.

Richmond County Savings Bank

A member of the NYCB Family of Banks since July 31, 2001, Richmond County Savings Bank is the third oldest of our divisions, with roots that go back to October 30, 1886. It was then that the bank was established to serve those who lived and worked on Staten Island, and it was less than one year later that it made its first mortgage loan.

Today, nearly every street on the Island has at least one home that was financed by Richmond County Savings Bank.

Originally located in the Odd Fellows Building at the corner of Richmond Terrace and Broadway, the Bank today has 20 convenient banking locations in all.

Roosevelt Savings Bank

Roosevelt Savings Bank was established in 1895 on the corner of Gates Avenue and Broadway in Brooklyn under the name “Eastern District Savings Bank.” In 1920, the bank changed its name to honor the memory of the nation’s 26th president, Theodore Roosevelt.

In February 1999, Roosevelt Savings Bank merged with and into Roslyn Bancorp, which merged with and into New York Community Bancorp, Inc. in October 2003.  Today, Roosevelt Savings Bank serves its customers through seven branches in Brooklyn as a member of the NYCB Family of Banks.

Garden State Community Bank

Garden State Community Bank has been a member of the NYCB Family of Banks since March 2008, when we combined all the branches of four smaller New Jersey-based divisions--First Savings Bank of New Jersey, Ironbound Bank, Penn Federal Savings Bank, and Synergy Bank—into a single division with a highly relatable name.

While Penn Federal Savings Bank and Synergy Bank were directly acquired in 2007, First Savings Bank of New Jersey and Ironbound Bank were acquired in 1999 by Richmond County Financial Corp., which subsequently merged with NYCB.

By combining the strengths of these four local banks with the strengths of our institution, we established a Garden State community bank that offers more products and services, and more convenient locations, than any one of these banks provided on its own.

Today, we serve our customers through 45 branches in Essex, Hudson, Mercer, Middlesex, Monmouth, Ocean, and Union Counties, most of which first opened their doors nearly 14 decades ago.

AmTrust Bank

AmTrust Bank is one of the more recent additions to a respected banking family that has been serving customers and communities for more than 156 years.

The first branch of AmTrust Bank opened its doors in the late 1980s, when Ohio Savings Bank opened the first of its branches in south coastal Florida under the “AmTrust Bank” name. Eleven years later, it expanded again--this time to Arizona--and on December 4, 2009, it joined the NYCB Family of Banks. With our acquisition of Desert Hills Bank less than four months later, we further expanded our franchise in the Grand Canyon State.

Currently in its seventh year as an NYCB division, AmTrust Bank serves its customers through 41 convenient branches: 14 in central Arizona and 27 in Florida.

Ohio Savings Bank

Ohio Savings Bank is one of the more recent additions to a respected banking family that has been serving customers and communities for more than 156 years.

Established in 1889 as the Ohio Savings Home Loan and Building Co., the bank’s initial expansion was limited to Ohio until it opened its first Florida branch in 1989. Eleven years later, it expanded again, this time to Arizona. And seven years later, it changed its name to AmTrust Bank.

On December 4, 2009, AmTrust Bank became the newest member of our banking family, the first of our divisions to serve customers in non-contiguous states. Four months later, we elected to pay tribute to its forebear, by operating our 28 branches in Ohio under a more suitable name: Ohio Savings Bank.

To learn about our commercial bank, visit

New York Commercial Bank 


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