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Personal > Checking > Free Checking

My Community Free Checking

A personal checking account which provides unlimited check writing while enabling you to save money on fees. Open our Free Checking** account today and enjoy:

  • NO Minimum Balance Requirement to maintain the account
  • NO Monthly Service Fee
  • NO Per-Check Charges
  • Unlimited Check Writing
  • Free Online Banking* and Bill Pay with
  • FREE NYCB ATM Access
  • FREE Visa® check card
  • Even >More Reward Points!

Access your account through:

  • Online Banking
  • Customer Service Center
  • ATM/Visa® check card

Account Switch Kit
Take the hassle out of switching your account. Learn More

Minimum deposit to open account is $1. There will be a fee if your account is closed within 180 days of opening.

*No monthly service charges apply. A separate fee applies to optional services. Please speak with a representative or ask for our fee schedule for more details.

**For personal accounts only. No maintenance and activity fees apply. You must sign up for Online Banking and consent to the electronic delivery of disclosures in order to open and/or maintain the My Community Free Checking account. For complete terms and conditions speak with a branch representative.

†Even More Rewards: Program is available for personal checking accounts only. Restrictions apply. Eligible personal checking accounts with a VisaŽ check card are automatically enrolled in the Even More Rewards Program. No minimum monthly balance requirement to participate. Customer must accumulate a minimum of 2,000 Reward Points ($20 in cash) before becoming eligible for redemption. Points will be accumulated for all Visa® check card transactions of $50 or more. A value of 10 points ($0.10 in cash) will be awarded for each qualified signature and PIN-based (Point-of-Sale Debit/Credit) Visa® check card transaction of $50 or more. ATM transactions do not qualify. There is a fee for Point-of-Sale Debit transactions; fees may offset earnings. Please refer to the current fee schedule for further details. Maximum $500 in Cash Rewards may be earned in any calendar year (50,000 Even >More Reward Points). Even >More Reward Points earned after the customer reaches the $500 annual Cash Reward maximum will be carried over automatically into the next calendar year and credited to the customer's account. If the account is closed or in the event the Even >More Rewards Program is discontinued, any existing accumulated points would be forfeited. Please consult your tax advisor. The bank is not responsible for typographical errors. Offer may be withdrawn at the discretion of the bank at any time.

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