New York Community Basic Checking
in Checking Accounts from New York Community Bank · Member fdic
UnaffiliatedNew York Community Basic Checking
in Checking Accounts from New York Community Bank · Member FDIC
Would you recommend New York Community Basic Checking to your friends?
| Community Rating |
Rating not yet determined |
| Monthly Fee | $2 |
| ATM Fee: Out-of-Network | $2.50 |
| Minimum Balance to Avoid Monthly Fee | N/A |
| APY (Annual Percentage Yield) | 0% |
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.
- 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 maintenance fee of $2.
- Small minimum initial deposit. You only need $1 to open an account.
- Free bill pay. Pay your bills to practically anyone in the United States through New York Community Bank.
- Hard credit pull. New York Community Bank may require a hard pull on your credit report to open a checking account.
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Are checking accounts from New York Community Bank federally insured?
Yes, your New York Community Bank checking accounts 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 New York Community Basic Checking offer?
New York Community Basic Checking is not an interest-bearing account.
What are the account minimums for New York Community Basic Checking?
New York Community Basic Checking requires a minimum initial deposit of $1 to open an account.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $1 |
| APY Minimum Balance | $100 |
What fees does New York Community Basic Checking charge?
The good news is that this account does not have a monthly service charge.
| Description | |
|---|---|
| Monthly Fee | $2 |
| Paper Statement Fee | $0 |
| ATM Fee: In-Network | $0 |
| 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 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $35 |
| Check Image Service | N/A |
| Check Copy | N/A |
| 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 |
| ATM Reimbursement Monthly Limit | N/A |
What features and perks does New York Community Basic Checking offer?
This account includes the following features:
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - New York Community Basic Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
Contact
- Headquarters
-
615 Merrick Avenue
Westbury, NY 11590 - Visit Site
Other Services by New York Community Bank
Availability
- Arizona
- Florida
- New Jersey
- New York
- Ohio
Feature Breakdown
| APY Minimum Balance | $100 |
| Minimum Initial Deposit | $1 |
New York Community Basic Checking Community Reviews
Would you recommend New York Community Basic Checking to your friends?
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