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New York Community Bank Checking Account

in Checking Accounts

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New York Community Bank Checking Account

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in Checking Accounts

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Overview

Where does New York Community Bank Checking Account do business?

New York Community Bank Checking Account is based in Westbury, NY. It was founded in 1859 and offers checking accounts services in 5 states across the USA.

New York Community Bank Checking Account is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor if a member institution fails.

What APY does New York Community Bank offer?

New York Community Bank Checking Account offers an APY starting at .01% and ranging up to .05% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $100.

What features and perks does New York Community Bank Checking Account offer?

This account includes the following features:

  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - New York Community Bank Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.

What fees does New York Community Bank Checking Account charge?

The good news is that this account does not charge a monthly maintenance fee.

  • Outgoing domestic bank transfers come with a $35 fee.
  • Incoming domestic bank transfers come with a $15 fee.
  • Outoing international bank transfers come with a $50 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Incoming international bank transfers come with a $15 fee.
  • New York Community Bank Checking Account charges a $30 fee for an early account closure. Contact New York Community Bank Checking Account for more details on what is considered an early closure.
  • Every returned deposit incurs in a $0 charge.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 5 states
  • Arizona
  • Florida
  • New Jersey
  • New York
  • Ohio

Feature Breakdown

APY Minimum Balance
$100
Minimum Initial Deposit
$1
No Fees
Paper Statement Fee
$0
ATM Fee: In-Network
$0
Online Bill Pay Fee
$0
List of Fees
Monthly Fee
$0 - $15
ATM Fee: Out-of-Network
$2.50
NSF Fee
$36
Overdraft Protection Fee (per transfer)
$15
Overdraft Item Fee
$36
Early Account Closure
$30
Returned Deposit Fee (Domestic)
$10
Debit Card Replacement Fee
$5
Stop Payment Fee
$35
Foreign Transaction Fee (Debit Card)
1%
Wire Transfer Fee - Domestic (Outgoing)
$35
Wire Transfer Fee - International (Outgoing)
$50
Wire Transfer Fee - International (Incoming)
$15
Returned Deposit Fee (International)
$10
Wire Transfer Fee - Domestic (Incoming)
$15
Bank Account Features
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
Percentage
APY
0.01% - 0.05%
    0% 5%

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