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NYCB Online Questions


NYCB Online is our online banking service that provides a quick, convenient, and easy way to manage your finances from virtually anywhere at any time.


With NYCB Online you can:


  • View account Transaction History2
  • Transfer funds between your NYCB accounts and/or your accounts at other financial institutions1
  • Make Bill Payments
  • Send Money with Zelle®
  • Receive Alerts about account information

1 Subject to certain limitations.
2 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not have fees. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

To sign up for NYCB Online you will need to complete the enrollment process


Steps for the enrollment process:


  1. Click on the Enroll in NYCB Online link located on the homepage
  2. Enter your Social Security Number
  3. Enter your Account Number or Debit Card information
  4. Enter your Date of Birth and ZIP Code
  5. Setup User Profile
  6. Confirm account information

How do I login to NYCB Online?


To log into NYCB Online, select the Login button at the top of the screen. You will need your User ID and Password that were created during enrollment.


Can I create my own password?


Yes. During the enrollment process, a prompt will appear to create a new password. Your password can also be changed at any time by visiting the Settings hyperlink within NYCB Online.


Yes. During the enrollment process, a prompt will appear to create a new password. Your password can also be changed at any time by visiting the Settings hyperlink within NYCB Online.

What happens if I forget my password?


If you have forgotten your password, click on the “Forgot Password” link located on the Login screen. From there, follow the prompts to reset your password.

Can I transfer money internally between accounts?

Yes. If you have more than one NYCB account, you can easily transfer money to and from different accounts.2


What is an External Transfer?


The External Transfer service allows you to transfer funds between your accounts at New York Community Bank and your accounts at other financial institutions.1


How long does it take to process a transfer?


Internal Transfers will process immediately after they are sent.2
Standard External Transfers will take three business days to process not including the day the transfer is initiated.1
Next Day External Transfers will take one to two business days to process not including the day that the transfer is initiated.1


What are account transfer limits and how are they set?


Your transfer limits are shown in the Transfer Funds section next to the amount you want to transfer by clicking on the icon. If you try to transfer an amount that is higher than your limit, a message informs you how much money you can transfer.


What is a recurring transfer?


An automatic transfer of a specified amount from one account to another based on a consistent schedule. For example, you may want to set up a recurring transfer to automatically move $500 from your money market account to a checking account at the end of each month.3


You need to make three decisions that determine the frequency and duration of the transfers:


  • When do you want the first transfer to start?
  • How often do you want to transfer the money?
  • What is the duration of the recurring transfer?

When you set up a transfer schedule, the transfers are automatically scheduled for the duration you choose or until you cancel the repeating transfer.2


1 Fees and limitations may apply.
2 Limitations may apply.
3 There may be transactional limitations on money market accounts. Please refer to your account disclosure for more information.

What is Bill Pay?


Bill Pay is a fast, easy, convenient and secure way to pay your bills.


  • Pay all of your bills through the Payment Center of NYCB Online. Here you will see a summary of your recent and pending payments, as well as the option to set up Bill Reminders.
  • Receive your bills directly to your online account via e-Bills. You can choose to pay them with automatic, scheduled, or manual payments.
  • Review your Bill History to keep track of the Pay Date and Status of your payments.

How does Bill Pay work?


To pay your bills online, simply add the companies and/or people you want to pay. Then, proceed to the Payment Center to select the payment amount and date for your payment to be delivered on. You can review the payment information under the Pending Payments section on the right hand side of the page. Once the Payment is processed you can find your payment under the Recent Payments section for up to 45 days. To view additional payment history, click on the Bill History sub-tab.


Is it difficult to register for Bill Pay?


Actually, it couldn’t be easier. Once your NYCB Online profile is established, click on the Pay Bills tab to enroll. Only checking and money market accounts that offer check writing privileges can be used for bill payments.


There may be transactional limitations on money market accounts. Please refer to your account disclosure for more information.


Who can I pay with Bill Pay?


You can use Bill Pay to pay any company or person with a U.S. address. Bill Pay offers the flexibility and convenience of paying all of your bills from one place. This includes charge accounts, auto loans, professionals, utilities, even a relative. Tax payments and court directed payments cannot be processed through the Bill Pay system.


Can I use Bill Pay when I'm out of the country?


Yes! Bill Pay is an excellent way to make sure your bills are being paid while you're traveling. All you need is access to a secure internet browser, and you can pay bills from anywhere.


What happens if I pay my bills on the weekend or on a holiday?


You can set up your payments anytime; however, these payments will not be processed until the first business day after a weekend or holiday.


Can I schedule recurring payments?


Yes. You can schedule your payments to best suit your lifestyle. Payments can be set up on a weekly, monthly, quarterly, or annual basis.


When are payments deducted from my account?


Payments are deducted from your account on the Payment Date unless the payment is sent as a draft check. A draft check is drawn on your account directly and is not deducted from your account until the recipient presents the check for payment.


Can I cancel a pending bill payment?


You can cancel any payment that has not started processing. After you cancel a payment, the status changes to Canceled and the payment will not be processed. Canceled payments appear in the Recent Payments section of the Payment Center. Note: If you cancel a payment that is part of an automatic payment schedule, only the selected payment is canceled. To cancel all payments in an automatic payment schedule, click on the AutoPay link located under the payee name.


What are Bill Reminders?


Reminders are useful when you want help remembering to make payments on time, but you aren't ready to set up automatic payments. Go to the Payment Center to set up and manage reminders. You can even schedule reminders up to 28 days in advance of your payment due date.


What are e-Bills?


An e-Bill is an electronic version of a bill or statement. You can receive, view, and pay e-Bills in NYCB Bill Pay. When your e-Bill arrives, it appears in the Payment Center, and you can view and pay it online. You control the date and amount of your payment.


How do e-Bills work with NYCB Online Bill Pay?


We can receive e-Bills from hundreds of companies nationwide. When a company is eligible for e-Bills, a Get Bills icon appears next to the biller name. Click the icon to go to the Add an e-Bill page. Enter the information that your biller requires to set up e-bill service, and the request will be sent to the biller.

What is Zelle®?


Zelle® is a fast, easy way to send money to and receive money from friends, family, and other people you know and trust1, typically within minutes1, using their email address or U.S. mobile phone number.


What do I need to have in order to use Zelle®?


You must have a bank account in the U.S. to use Zelle®. You'll also need a valid email address or U.S. mobile phone number.


Can I use Zelle® internationally?


In order to send, receive or request funds, the sender and recipient accounts must be based in the U.S.


Who can I send money to?


Zelle® is a great way to send money to family, friends, and people you know, like your neighbor, your roommate, or your babysitter1. It's important to remember that money is sent directly from your New York Community Bank account to another person's bank account typically within minutes1, so Zelle® shouldn't be used to send money to people you don't know or trust.

Neither New York Community Bank, nor Zelle®, offers a protection program for any authorized payments made with Zelle® – for example, if you don’t receive the item you paid for or the item is not as described or as you expected.


Is there a fee?


New York Community Bank doesn't charge a fee to send or receive money via Zelle®, however, there may be scenarios where using Zelle® may incur charges.
If you send a transaction for which you have insufficient funds to cover the transaction, non-sufficient funds (NSF) fees may apply.

While you may cancel a scheduled Zelle® transaction at any time before it processes, New York Community Bank will charge you a fee to cancel a pending payment sent to a recipient that has not yet enrolled.

Mobile carrier fees may apply.


Is it secure?


Yes. When you use Zelle® within NYCB Online or NYCB Mobile, your information is protected with the same technology we use to keep your accounts safe.


How do I get started?


It's easy. Zelle® is already available within NYCB Online and NYCB Mobile. Just sign in online or the app and follow a few simple steps to enroll with Zelle® today. We recommend you enroll before someone sends you money - this will help you get your first payment faster.

Follow the steps below to enroll with Zelle® from NYCB Online:
  1. Login to NYCB Online.
  2. Click Send Money with Zelle® from the tabs at the top of the screen.
  3. On the Welcome to Zelle® screen, click Get Started.
  4. Read the Terms and Conditions. To accept the Terms and Conditions, click Accept and Continue.
  5. You'll be presented an option to either (1) select an email or U.S. mobile number from a list (and click Continue) or (2) enroll a specific email or U.S. mobile number.
  6. If you select to enroll a U.S. mobile number, read the Notice Regarding Receiving Text Messages. Click Continue.
  7. Enter the verification code sent to you and press Verify.
  8. On the Choose Primary Account page, click the account you would like to use as Primary and click Continue.
  9. Enrollment is complete! From the Congratulations screen, you can Send Money, View Activity or add another email or U.S. mobile number.

Follow the steps below to enroll with Zelle® from the NYCB Mobile app:
  1. Tap the NYCB Mobile app to open it on your mobile device home page.
  2. When the login screen opens, enter your User ID and password and tap Log In.
  3. Tap Transfer & Pay and then Send Money with Zelle®. The Welcome screen will open.
  4. Tap the links to read the Terms and Conditions and the Notice Regarding Receiving Text Messages.
  5. Tap the checkbox to select I agree to the Terms and Conditions and Receiving Text Messages.
  6. Tap Get Started.
  7. On the Choose Primary Account screen, tap and select the account you want to send payments from. This is also the account where you'll receive payments.
  8. Next you'll see the Review Information screen with your contact information and the NYCB account, that's linked to Zelle®. You can't edit your email or U.S. mobile phone number here (you can do that in Online Banking Settings). If you have more than one eligible account to use with Zelle®, you can tap the drop-down menu next to Primary Account and select a different account. If you have only one account available, you will only see one.
  9. Tap All Done.
  10. Zelle® will open and you can begin using it to send and receive money.


How does Zelle® work?


Whether you enroll through NYCB Online or NYCB Mobile, we establish a connection between your email address or U.S. mobile phone number and your preferred checking.
Your name, financial institution name, and email address or U.S. mobile phone number you enrolled with is shared with Zelle® (no sensitive account details are shared - those stay with NYCB). When someone sends money to your enrolled email address or U.S mobile number, Zelle® looks up the email address or U.S. mobile phone number in its "directory" and notifies NYCB of the incoming payment. NYCB then directs the payment into your account, all while keeping your sensitive account details private.


How do I send money?


NYCB Online: Login to NYCB Online and choose “Send Money with Zelle®” from the upper navigation bar.

NYCB Mobile: Login to NYCB Mobile and choose “Transfer & Pay” and select “Make and manage payments”. Choose “Send Money with Zelle®”.


How do I receive money?


If you are already enrolled with Zelle®, no further action is needed. If someone sends you money, the money will move directly into your account, typically within minutes1.

If you have not enrolled with Zelle®, and someone sends you money, this is what you need to do:
  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select “New York Community Bank”.
  3. Follow the instructions provided on the page to enroll. You should enroll with Zelle® using the email address or U.S. mobile number on which you received the notification to ensure you receive your money.
  4. In most cases, the money will be available in minutes1.


Can I cancel a payment?


You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back.


How do I “Pay it Safe” with Zelle®?


Only send money to those you trust. With Zelle®, you can send money from your account to someone else’s within minutes1. It’s a great way to pay friends, family, your coworkers and almost anyone else you trust1, but it shouldn’t be used to pay strangers.

Beware of payment scams. If a deal sounds too good to be true, it probably is. Neither New York Community Bank nor Zelle® offers a protection program for any authorized payments made with Zelle® - so only use Zelle® to pay people you know and trust.

Treat Zelle® like cash. Money moves fast - directly into the enrolled recipient’s bank account. Always double check you have the recipient’s correct U.S. mobile number or email address, so the money goes to the right person.

For more information, please visit: https://www.zellepay.com/pay-it-safe/understanding-fraud-and-scams


I’m unsure about using Zelle® to pay someone I don’t know. What should I do?


If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither New York Community Bank, nor Zelle®, offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.


1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not have fees. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.


What is NYCB Money Center?


NYCB Money Center is a budgeting tool where you can categorize your transactions and view your spending trends on your NYCB accounts as well as accounts at other financial institutions. Login to NYCB Online and visit the NYCB Money Center tab to manage your categories.


Can I set up Budget Categories for my spending?


Yes, to set up Budget Categories on your account:


  • Click on the NYCB Money Center tab
  • Select the Budget sub-tab
  • Select a Category from the drop down box
  • Enter the amount you wish to establish for your monthly budget
  • Click “Save”

How do I categorize my transactions?


To Categorize Transactions:


  • Click on the NYCB Money Center tab
  • Select the Transactions sub-tab
  • Click on the description in the Category column and then select a category/subcategory from the drop-down box

How do I view my Spending Activity?


View Monthly Spending Activity:


  • Click on the NYCB Money Center tab
  • Click on the Analysis sub-tab
  • Choose a month and/or Account from the drop-down menu

You may also select if you wish to view this as a graph or pie chart

Can I set up account Alerts online?


Yes. Login to NYCB Online and click on Settings. You can set up various Transaction and Balance alerts.


How do I set up Alerts online?


To set up a new alert on your account:


  • Go to Settings within NYCB Online located at the top of the page.
  • Select Security and Alerts
  • Select Alerts
  • Choose the Alert Type
  • Select the parameters of you alert (e.g. when my balance falls below $100)
  • Choose how to receive the alert: email or text message. Push alerts can be setup through the NYCB Mobile App.
  • Click "Submit"

Alerts must be setup on each account individually.


Do you have Alerts to protect my accounts and Security?


Yes. To protect you and your accounts, we will automatically notify you via email if any of the following items are changed:


  • Email Address
  • Address
  • User ID
  • Password
  • Security Questions

Standard messaging and data rates may apply when using mobile and text banking.

How do I enroll in Electronic Documents?

To enroll in Electronic Documents, please click the ellipsis (...) next to the account on the Accounts page, then select Statements. This can also be found at the top of the page when viewing account history by clicking Online Statements.
 
Once selected, you must request for the system to generate a notification code to agree to the Terms and Conditions of Electronic Documents. Submitting the notification code will allow the system to proceed to selecting the accounts and services that you wish to have delivered electronically.
 
This will include Account Statements as well as tax documents and other notices. You must confirm your selection to proceed..
 

What are e-Statements?

An e-Statement is an electronic version of your account statement that you can view, search, save, and print at your own convenience. It is a safe, simple, and eco-friendly way to view your monthly statements.
 

When will my e-Statements be available online?

Your e-Statements begin to accumulate after you complete enrollment with each statement cycle. Once enrolled your statements will be delivered 1-2 business days after the closing of the statement cycle.
 

Will my e-Statement look the same as my regular printed statement?

Yes, and it will contain all the information that you received in your paper statements. For legal purposes, a printed version of an e-Statement is the same as a paper statement mailed via U.S. Mail.
 

Is there a fee to receive e-Statements online?

It’s free to receive and view e-Statements online. You will receive an email reminder each time a new e-Statement is available.
 

How can I view or get a copy of my e-Statements?

To view an e-Statement, please click the ellipsis (...) next to the account on the Accounts page, then select the item that you wish to view.
 
Statements can also be found at the top of the page when viewing account history by clicking Online Statements.

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New York Community Bank
615 Merrick Avenue
Westbury, New York 11590