Which Account Works For You?

Enter your zip code

Compare checking accounts from New York, NY banks and credit unions for free
- Requires no personal information
- Provides unbiased results
- Estimates bank fees
- Takes only minutes

Take A Closer Look At This Institution

Ridgewood Savings Bank

From their website: "Over the years we have endeavored to be the unfailing friend of the many thousands who recognize the wisdom of keeping their hard-earned money in a mutual savings bank." Founded in 1920, Ridgewood Savings Bank offers banking and borrowing for both individuals and businesses from 36 branches throughout the greater NYC area.

Do You Know?

The Different Types of Minimum Balance Requirements

You may avoid the monthly fee for most accounts by maintaining a minimum balance.

Banks determine the balance requirements for their accounts in a few different ways. The following is a list of definitions of these requirements:

'Minimum Balance' -- At no time can the account balance drop below a certain amount. For example, say your account's 'minimum balance' is $300. If your balance goes under $300 -- even by a penny -- you will be charged the full monthly service fee for that statement period.
'Minimum Daily Balance' -- How most account balances are measured. Going under the required balance is accepted as long as your balance meets or exceeds the balance requirement by the end of each business day (around 5 pm). For example, let's say your minimum daily balance is $300 and you start the day with a balance of $500. If you make a purchase that day of $400, your balance does down to $100. But if you make a deposit of $200 or more before the end of the business day, bringing your balance up to at least $300, you will not be penalized with a service charge.
'Minimum Combined Balance' -- Measured just like an individual account's minimum balance, but includes all or many of your other accounts' balances. This requirement is usually a higher amount than the normal 'minimum balance,' but it might be more convenient for you if you want to have multiple accounts open with the bank.
'Average Monthly Balance' -- Your balance at the end of each day of the statement cycle is averaged. This way of measuring leaves you a bit more breathing room, allowing your balance fall below the minimum balance without automatic fees. But because the averaging ranges over an entire month, it's difficult to judge whether or not you'll incur the fee if your balance isn't normally above and beyond that minimum.

Search Another Town or City

Begin typing the name of a city or town

More Local Resources

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.

All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.

Zipcode
Find banks within
	Include branchless/Internet banks
	Include student accounts
	Include accounts for people over 50

FindABetterBank

New York, NY Checking Accounts

70 checking accounts in current display

Which Account Works For You?

Enter your zip code

Take A Closer Look At This Institution

Do You Know?

Search Another Town or City

More Local Resources

How We Get Our Information

Show/Hide Checking Accounts

By restricted accounts

By balance requirements

Filter Results by Feature

Basics

eBanking Features

Debit Cards & ATM Use

Checks and Statements

Help us locate banks and credit unions nearby and tell us what types of checking accounts to include