New York Community Basic Checking
Would you recommend New York Community Basic Checking to your friends?
| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) | 0% |
| Monthly Fee | $2 |
| Minimum Balance to Avoid Monthly Fee | N/A |
New York Community Basic Checking Review
New York Community Basic Checking is offered by New York Community Bank, founded in 1859 and based in Westbury, NY. New York Community Basic Checking is available in 5 states across the USA.
Key Takeaways
- 0% APY. As with most checking accounts, New York Community Basic Checking does not pay interest.
- Charges a monthly fee. This account charges a monthly service fee of $2.
- Small minimum initial deposit. You only need $1 to open an account.
- Bill pay. Pay your bills to practically anyone in the United States through New York Community Bank.
NYCB checking account Pros & Cons
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NYCB checking account FAQ
Are checking accounts from New York Community Bank federally insured?
Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does NYCB checking account offer?
NYCB checking account is not an interest-bearing account.
What are the account minimums for NYCB checking account?
NYCB checking account requires a minimum initial deposit of $1 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $1 |
| Minimum Balance to Earn APY | $100 |
What fees does NYCB checking account charge?
This account charges a monthly service fee of $2.
| Description | |
|---|---|
| Monthly Fee | $2 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $2.50 |
| Foreign Transaction Fee (Debit Card) | 1% |
| NSF Fee | $36 |
| Overdraft Item Fee | $36 |
| Overdraft Protection Fee (per transfer) | $15 |
| Returned Deposit Fee (Domestic) | $10 |
| Returned Deposit Fee (International) | $10 |
| Stop Payment Fee | $35 |
| Wire Transfer Fee - Domestic (Incoming) | $15 |
| Wire Transfer Fee - Domestic (Outgoing) | $35 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $50 |
| Paper Statement Fee | $0 |
| Online Bill Pay Fee | $0 |
| Debit Card Replacement Fee | $5 |
| Early Account Closure | $30 |
Does NYCB checking account charge overdraft fees?
Yes, NYCB checking account charges a $36 fee for every overdraft. You can get overdraft protection at a cost of $15 per transaction.What features and perks does NYCB checking account offer?
This account includes the following features:
- Fraud monitoring - NYCB checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - NYCB checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
What is the customer support email for NYCB checking account?
The customer support email for NYCB checking account is ContactUs@myNYCB.com.
Message From NYCB checking account
Contact
- Headquarters
-
615 Merrick Avenue
Westbury, NY 11590 USA - (877) 786-6560
- Visit Site
- Email Support
Other Services by New York Community Bank
Availability
- Arizona
- Florida
- New Jersey
- New York
- Ohio
Feature Breakdown
| Minimum Opening Deposit | Starting at $1 |
| Minimum Balance to Earn APY | $100 |
New York Community Basic Checking Community Reviews
Would you recommend New York Community Basic Checking to your friends?
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