New York Community Basic Checking
in Checking Accounts from New York Community Bank · 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 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.
| Pros | Cons |
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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 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 | Amount |
|---|---|
| Minimum Opening Deposit | $1 |
| APY Minimum Balance | $100 |
What fees does NYCB checking account charge?
This account charges a monthly service fee of $2.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Debit Card Replacement Fee | $5 |
| Early Account Closure | $30 |
| Foreign Transaction Fee (Debit Card) | 1% |
| Monthly Fee | $2 |
| NSF Fee | $36 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $36 |
| Overdraft Protection Fee (per transfer) | $15 |
| Paper Statement Fee | $0 |
| 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 |
| ATM Fee: Out-of-Network | $2.50 |
Does NYCB checking account charge overdraft fees?
Yes, NYCB checking account charges a $36 fee for every overdraft.NYCB checking account offers 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.
How do people rate the customer service and user experience of NYCB checking account?
Overall, NYCB checking account is strongly not recommended based on community reviews that rate customer service and user experience.
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
New York Community Basic Checking Community Reviews
Would you recommend New York Community Basic Checking to your friends?
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