Checking

Everything you need in a New York bank checking account starts right here.

When it comes to your checking account, you want to manage your money your way. Whether it’s free checking with no monthly fee, an interest-bearing account with a great rate, free student checking with perks or a back-to-basics checking account, we have the choice that’s right for you.

Enjoy convenience with the Apple Bank Visa® Debit Card
Free and unlimited domestic POS transactions on most accounts
Manage money 24/7 with Free Online Banking and Mobile Banking App
Sign up for Mobile Remote Deposit
Get convenient direct deposit for recurring payment checks

Select the checking account that fits your needs.  All checking accounts include free Direct Deposit, free Apple Bank Visa® Debit Card, Free Online Banking and Bill Pay, Free Mobile App*, Free Mobile Deposit* and free first order of personalized checks.

 
  Free ExtraValue Checking GoldValue NOW Checking® Grand Yield NOW Checking BasicValue Checking® Free ClassValue Checking® for Students Ages 14 to 25 
Minimum to open $100 $100 $100 $10 $100
Minimum balance  or other requirement to avoid monthly maintenance fee None

$1,000 minimum daily
balance to earn interest
and avoid monthly maintenance fee, OR $10,000 minimum aggegrate daily balances, OR Direct Deposit of Federal recurring payments**

$2,500 minimum daily balance to earn interest and avoid monthly maintenance fee None None
Monthly maintenance fee None

$10, if minimum daily balance is under $1,000

$10, if minimum daily balance is under $2,500 $3 per month None
Earns interest No

Yes
See Rates

Yes
See Rates
No No
Free transactions at Apple Bank ATMs Yes Yes Yes Yes Yes
Free domestic non-Apple Bank ATM transactions No - $2 per transaction No - $2 per transaction Yes*** - Free and Unlimited
 
No - $2 per transaction Yes*** - Free and Unlimited
Free domestic Point-of-Sale (POS) transactions No - $2 per transaction Yes - Free and Unlimited Yes - Free and Unlimited 
 
Yes - Free and Unlimited Yes - Free and Unlimited 
Best for...
  • Accounts with fluctuating balances
  • Consumers seeking free checking with no monthly maintenance fee
  • Limited users of non-Apple ATMs
  • Limited debit card users
  • Limited users of non-Apple ATMs
  • Heavy debit card users who make purchases with their card
  • Consumers with direct deposit of Federal recurring payments
  • Consumers seeking an interest-bearing checking account 
  • Active ATM users
  • Heavy debit card users who make purchases with their card
  • Consumers seeking a competitive interest rate
  • Basic checking needs, low balance accounts
  • Limited ATM users
  • Heavy debit card users who make purchases with their card
  • Students ages 14 to 25 seeking free checking with no monthly maintenance fee
  • Active ATM users
  • Heavy debit card users who make purchases with their card

*Data fees from your mobile carrier may apply.
**Direct Deposit of Federal recurring payments includes Social Security or other Federal benefit payments.
***ATM or terminal operator surcharge may apply.