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Last Updated: 01/21/2026

New York Community Basic Checking

from New York Community Bank

Last Updated: 01/21/2026

Rating not yet determined1 total votes

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Highlights

Welcome Offer

Starting at $0(Verified 06/21/2024)

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Rewards

N/A

APY (Annual Percentage Yield)

0%(Verified 06/21/2024)

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Monthly Maintenance Fee

$2(Verified 01/21/2026)

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New York Community Basic Checking Review

The New York Community Basic Checking is offered by New York Community Bank, founded in 1859 and based in Westbury, NY. NYCB checking account is available in 5 states.

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 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 when you enroll in New York Community Bank mobile or online banking.

NYCB checking account Pros & Cons

Pros

Cons

Debit card

No signup bonus.
Does not earn interest
Does not provide access to a nationwide ATM network.
Only available in 5 states.
Higher than average wire transfer fees.
Monthly service charge .
Charges a fee on out-of-network ATM transactions.

NYCB checking account FAQ

Are checking accounts from New York Community Bank federally insured?

Yes, your deposits are insured 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.

New York Community Basic Checking Minimums

Description

Minimum Balance to Earn APY

$100

Minimum Opening Deposit

Starting at $1

What fees does NYCB checking account charge?

This account charges a monthly maintenance fee each statement cycle of $2.

New York Community Basic Checking Fees

Description

Monthly Maintenance Fee

Paper Statement Fee

Starting at $0

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $2.5

NSF Fee

$36

Overdraft Item Fee

Starting at $36

Early Account Closure

Starting at $30

Returned Deposit Fee (Domestic)

Starting at $10

Card Replacement Fee (Standard Delivery)

Starting at $5

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $35

Foreign Transaction Fee (Debit Card)

Starting at 1%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $35

Wire Transfer Fee - International (Outgoing)

Starting at $50

Wire Transfer Fee - International (Incoming)

Starting at $15

Returned Deposit Fee (International)

Starting at $10

Wire Transfer Fee - US Domestic (Incoming)

Starting at $15

Does NYCB checking account charge overdraft fees?

Yes, NYCB checking account charges a $36 fee for every overdraft.

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.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from NYCB checking account

Whether you are looking for a basic checking account, free checking or a checking account that earns interest, we have an account that will meet your financial needs. Basic Checking Account Features: $1.00 to open, Unlimited check writing, $2.00 monthly maintenance fee, Overdraft Shield Available.

Contact

Headquarters

615 Merrick Avenue

Westbury, NY 11590

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Email Support

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SuperMoney Net Recommendation Score

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