NYCB has seven different types of checking accounts, none of which charges overdraft fees. International debit card transactions will cost a $3 fee, along with 1% of the transaction price. Pay a $2.50 fee at out-of-network ATMs.

My Community Basic Checking 

• Requires $1 minimum to open.
• Charges a $2 monthly fee.

My Community Free Checking 

• Requires $1 minimum to open.
• Charges no monthly fee.

My Community Interest Checking 

• Requires $100 minimum to open.
• The $6 monthly fee can be waived if you maintain a minimum daily balance of $500.
• Earns interest on balances of $100 or more.

My Community 50+ Checking 

• Available to those 50 years of age and older.
• Requires $100 minimum to open.
• The $5 monthly fee can be waived if you maintain a minimum daily balance of $1,000.
• Earns interest on balances of $1,000 or more.

My Community SimplyOne Checking 

• Requires $1 minimum to open.
• Charges a $5 monthly fee.
• Operates as a checkless account.

My Community Military Checking 

• Requires $100 minimum to open.
• Eligible to active and retired military members.
• Access to six free non-NYCB ATM transactions per month.
• Free standard money orders.

My Community Student Checking 

• Requires $1 minimum to open.
• Pay no monthly fees.
• Eligible to college students 18 and older.

There are four types of savings accounts available at NYCB, each with no or easy-to-waive fees.

My Community Savings 

• Requires $100 minimum to open.
• Waive the $5 fee with a daily balance of $500.
• Earns interest on balances over $200.

My Community Super Savings 

• Requires $500 minimum to open.
• Earns tiered interest on balances over $100.
• Waive the $10 fee with a daily balance of $500.

Club Savings Account

• Choose from a holiday or a vacation club account and automate savings throughout the year.
• Vacation club accounts available mid-April; holiday club in mid-October.
• Pay no monthly fees.

Kids and Students Account

• Kids accounts are for ages seven to 17; student accounts eligible for college students.
• Open with a $1 minimum deposit.
• Pay no monthly fees.

NYCB offers three CD options with competitive rates.

CD 

• CD terms are six, 12 and 24 months.
• The minimum opening deposit ranges from $500 to $2,500, depending on the term.
• Rates are competitive.

To find out rates on the money market account, you’ll have to contact an NYCB branch.

My Community Gold Money Market

• Requires a $2,500 minimum deposit to open and to earn interest.
• Waive the $15 monthly fee if you maintain a $2,500 minimum daily balance.
• Interest compounds monthly.

NYCB has four business checking accounts, each of which require a $100 minimum opening deposit.

Business Solutions Checking 

• Monthly fee depends on average daily balance.
• First 250 transactions free.
• Pay no overdraft fees.

Business Solutions Checking with Interest

• Monthly fee depends on average daily balance.
• First 250 transactions free.
• Earns interest.

Business Solutions Analysis Checking 

• The $25 monthly fee can be offset with an earnings credit.
• Unlimited deposits and withdrawals. 
• For businesses with high transaction volume.
• Enhanced business services and cash management solutions.

Business Solutions Analysis Checking with Interest

• The $25 monthly fee can be offset with an earnings credit.
• Earns interest with balances of $1 or more.
• Enhanced business services and cash management solutions.