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My Community Free Checking

Check and Pen

Account Features

  • No Overdraft Fees for Non Sufficient (NSF), Uncollected (UCF) and Unavailable Funds
  • $1.00 to open
  • Unlimited check writing
  • No monthly fee when enrolled for e-Statements
  • Overdraft Shield Available
  • Enrollment in Even >More Rewards Program

Simplify your banking

Information needed to open your account

Be sure to have the following information available to complete your account application.

  • Social Security Number or Tax Identification Number
  • Valid U.S. Address
  • Form of identification

Open an account online or visit a
branch to open your account today!


View our Frequently Asked Questions

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.

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 Offer may be withdrawn at the discretion of the bank at any time.