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Personal Checking

​More checking to fit your life.  Select the account that meets your financial needs, provides the flexibility you require and makes your banking even >more® convenient.

My Community Basic Checking

My Community Free Checking

My Community Interest Checking​

​My Community 50+ Checking

Minimum to Open​ ​$1.00 $1.00​ ​$100.00 ​$100.00
Monthly Fee $2.00 monthly maintenance fee​

$0.00; comes with e-Statements

$6.00; waived with daily balance of $500.00 $5.00; waived with a daily balance of $1,000.00​
​Earns Interest ​No ​No ​Yes, with a daily balance of $100.00 Yes, with a daily balance of $1,000.00​
​Interest Calculated ​N/A ​N/A ​Compounded and credited monthly Compounded and credited monthly
Check Writing​ Unlimited​
Statement Options​


Paper statements





Paper statements


Paper statements

Statement Frequency​ Monthly unless there is no activity, then quarterly
Rewards Options​
Yes, Rewards are available
​Debit Card Usage ​Free unlimited transactions and access to ATMs
Free Online Banking & Bill Pay*​


​Online Alerts ​Free
​Security** ​FDIC insured
​Accessibility Online Banking and 24-Hour Telephone Banking available
Overdraft Protection​ ​Yes, fees apply
​Next Step Learn More  Learn More Learn More Learn More
*No monthly service charges apply. Fees may apply for optional services. Please talk to a branch representative or ask for our fee schedule for more details.
**You are insured to at least the Standard maximum deposit insurance amount, which is currently $250,000 per depositor, per insured depository institution.​
Account Features
Introducing NYCB SMART. Be informed, be aware, protect yourself. 

Checking Summary Page checking, personal checking, checking accounts, accounts Checking Summary Page