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"Absolutely Free Checking" from New York Community Bank
The Basics
Debit Cards & Using ATMs
This account includes 'Even More Rewards' program to earn points for gifts and other items for credit-style purchases of $20 or more. There is no annual fee for this card.
There is a $1.50 fee each time you make a purchase with your debit card by using your PIN.
There is a $1.50 fee each time you use a non-affiliated ATM.
There is a $3.00 fee each time you use a ATM in another country, and an additional international conversion charge of 1% the amount withdrawn.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold.
- Notice of deposits or withdrawals over a certain threshold.
- Daily and weekly balance updates.
- Warnings when your balance falls below a certain threshold.
- Notice of deposits or withdrawals over a certain threshold.
- Daily and weekly balance updates.
You can download 90 days of transaction history in the following formats:
- Quicken 2007 and above;
- MS Money for 2007 and above;
- Microsoft Excel.
- Quicken 2007 and above;
- MS Money for 2007 and above;
- Microsoft Excel.
Online Billpay
Free
Automated Phone Banking
Free
Checks & Statements
Overdrawing the Account
The Insufficient Funds Fee is $30.00 per overdraft. If the bank chooses to withhold payment, the fee is $33.
This checking account has 3 options for Overdraft Protection.
From a linked Savings Account or Alternate Checking Account:
- Transfer fee of $20.00. The transfer fee is charged per transaction;
- Funds are transferred to bring the account balance to $0.00.
- Transfer fee of $20.00. The transfer fee is charged per transaction;
- Funds are transferred to bring the account balance to $0.00.
From an Overdraft Line of Credit:
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
- No transfer fee.
- Funds are transferred to bring the account balance to $0.00.
Savings and Money Market Accounts
'Statement Savings' requires $50.00 to open and $200.00 to earn interest.
Current APY Information:
- 0.30% at minimum balance to earn interest;
- 0.30% at minimum balance to avoid fees;
- 0.30% at $25,000.00
- 0.30% at minimum balance to earn interest;
- 0.30% at minimum balance to avoid fees;
- 0.30% at $25,000.00
The account has a monthly service fee of $3.00. This fee can be waived if you maintain a minimum balance of $500.00.
'Premium Money Market' requires $5,000.00 to open and earns interest on all balances..
Current APY Information:
- 0.25% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.40% at $25,000.00
- 0.25% at minimum balance to earn interest;
- 0.20% at minimum balance to avoid fees;
- 0.40% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $5,000.00.
How does New York Community Bank Compare?
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How We Get Our Information
We conduct our own research for the largest US banks and we audit the information provided by community banks and credit unions.
Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.
We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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