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Home » Checking Accounts

"My Community Free Checking" fromNew York Community Bank

  • Website
  • 877-786-6560

The Basics

Minimum Opening Deposit A $1.00 deposit is required to open this account.
$1.00
Monthly Service Fee There is no monthly service fee for this account, however, you must enroll in E-Statements.
$0.00

Debit Cards & Using ATMs

Debit Card
$0.00/yr
Debit Card with Rewards This account includes Even More Rewards to put money back into your account based on your debit card usage. There is no annual fee for this card.
$0.00/yr
Non-affiliated ATM Usage Fee There is a $2.50 fee eah time you use a non-affiliated ATM.
$2.50/per use
International ATM Usage Fee There is a $3.00 fee each time you use a ATM in another country. In addition, there is an international fee calculated as 1% of the total amount withdrawn.
$3.00/per use

Electronic & Telephone Banking

Online Bill Pay
Free
Mobile & Text Banking This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs.
Free
Deposit Checks with Mobile Phone
Free
Person-to-Person Payments Zelle
Free
Email Alerts 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;- An email to let you know there's a secure message for you in Online Banking;- Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Free

Checks & Statements

Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
No
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Yes

Overdrawing the Account

Returned Item Fee The Insufficient Funds Fee is $36.00 per overdraft.
$36.00/per item
Overdraft Protection This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $15.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Transfer fee of $15.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
Available

How We Get Our Information

We conduct our own research for all the institutions listed.

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.

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