New York City Checking Account Notes

Astoria Federal Savings Bank

Easy Checking: Additional $5 per month fee for check images returned with statement
Express Checking: Maintain a minimum daily balance of $1,000, or $2,500 in any other Astoria Federal deposit account, and you'll receive: Up to ten (10) ATM withdrawals from non-Astoria Federal ATMs at no fee (ATM owner fees may apply); Up to ten (10) point-of-sale (POS) debit card purchases at no fee; Free Online Banking; No monthly service charges; Overdraft protection or a line of credit, subject to credit approval (finance charges and fees may apply). Additional $5 per month fee for optional check images returned with monthly statement.
Ultra Checking: Maintain a minimum daily balance of $2,500 - or a $5,000 balance in any combination of qualified Astoria Federal deposit accounts and you'll receive: a competitive interest rate; no monthly service charges; no fee for offsite ATM transactions (ATM owner fees may apply) and point-of-sale (POS) fees, free online banking, free telephone banking, and overdraft protection or a line of credit, subject to credit approval. Overdraft line of credit is automatically accessed whenever you write a check for more than your checking account available balance (up to your available credit line). Finance charges and fees may apply. Overdraft credit line may also be accessed by making a cash withdrawal at any ATM or branch location. $5 per month fee for optional check images returned with statement.
Gold Checking: Maintain a minimum daily balance of $500 - or a $3,000 balance in any combination of Astoria Federal deposit accounts and you'll earn interest on your balance. Minimum age requirement to open account is 50. Overdraft protection or a line of credit, subject to credit approval, is available. Overdraft line of credit is automatically accessed whenever you write a check for more than your checking account available balance (up to your available credit line). Finance charges and fees may apply. Overdraft credit line may also be accessed by making a cash withdrawal at any ATM or branch location.

Bank of America

My Access Checking: Effective with statement cycles beginning on or after May 24, 2011, monthly maintenance fee (now $12) waived with one of the following requirements during each statement cycle: have at least one qualifying direct deposit of $250 or more made to your account each statement cycle, OR maintain an average daily balance of $1,500 or more in your account. Check images returned with statement would be an additional $3.00 a month. Free enrollment in "Keep the Change". Earn up to 20% cash back each time you use your check card with "Add It Up" program.
Advantage with Tiered Interest Checking: Tiered Interest rates. Monthly fee waived with combined balances of $10,000 in your checking with linked savings, CDs, IRAs, loans, line of credit, mortgage, credit card, or investment account. Free enrollment in "Keep the Change". Earn up to 20% cash back each time you use your check card with "Add It Up" program.
eBanking Checking: Monthly fee waived when deposits and withdrawals are made electronically or at Bank of America ATMs and you choose online paperless statements through Online Banking. Free enrollment in "Keep the Change". Earn up to 20% cash back each time you use your check card with "Add It Up" program.

Capital One Bank

Rewards Checking Account: Enjoy no monthly service fee with a $300 minimum daily balance or a monthly direct deposit of $250 or more. $35 NSF fee is not charged if you have overdraft protection.
Premier Rewards Checking: 2X rewards, plus 2X bonus miles more than the standard Rewards Checking Account
High Yield Free Checking: No Monthly Service charge but customers must maintain a $5000 minimum daily balance to keep this type of account. Advertised rates on bank Website apply to new checking customers. APY is based on rate tiers.

Citibank

Citibank Account: Monthly maintenance and per-check fees waived during any statement cycle with $15,000 minimum combined average balances in qualified accounts. Overdraft protection is available for $10 per day and it moves money from your Citibank savings or money market account to your checking account when your account is overdrawn.
Citigold Interest Checking: Interest rate tiers. Monthly service fee is waived with $50,000 balance or more for all linked deposit and retirement accounts, or with $100,000 or more across all your linked Citi accounts, excluding a first mortgage with Citibank, or with $250,000 or more if your Citibank first mortgage is included in the total relationship. Overdraft protection is available for $10 per day and it moves money from your Citibank savings or money market account to your checking account when your account is overdrawn.
Basic Checking: For $10 monthly fee, one must make 1 Direct Deposits AND 1 bill payment each monthly statement period and pay no monthly service fee; OR keep $1,500 in prior calendar month combined average balances in either your Basic checking or with a linked basic savings account. Overdraft protection is available for $10 per day and it moves money from your Citibank savings or money market account to your checking account when your account is overdrawn.
Citibank Student Account: No monthly checking fee. Must be enrolled in an accredited U.S. college and have a minimum opening deposit of $100. Overdraft protection is available for $10 per day and it moves money from your Citibank savings or money market account to your checking account when your account is overdrawn.

Emigrant Bank

Regular Checking: Monthly service fee can also be waived with $2,500 combined deposits in qualified accounts. Optional overdraft protection: reserve line of credit subject to credit approval, finance charges apply.
Basic Checking: 12 items per month are free, a $6 per month fee with be added if there are more than 12 items per month. Optional overdraft protection: reserve line of credit subject to credit approval, finance charges apply.
NOW Checking: Interest rate is at 0.25%. Optional overdraft protection: reserve line of credit subject to credit approval, finance charges apply.

HSBC Bank USA NA

Premier Checking Account: Monthly maintenance fee waived with $100,000 in qualifying combined personal deposit and investment balances. Minimum balance to earn APY is $5.
Plus Checking: Monthly maintenance fee waived with $15,000 in combined qualifying balances. Minimum balance to earn APY is $5.
Choice Checking: Monthly maintenance fee waived with $1,500 in deposit balance or with $5,000 combined balances in qualifying accounts or with monthly Direct Deposit. Check images are available online.

JPMorgan Chase Bank

Chase Premier Plus Checking: Tiered interest rates. Monthly service fee waived with combined average monthly balance of $15,000 or more in linked deposit, loan and investment accounts, otherwise $25 with Check Safekeeping or $27 with Image Statement. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less.
Chase Total Checking: Monthly service fee waived with a monthly direct deposit of $500 or more or with a $1,500 minimum daily balance or, with an average daily balance of $5,000 or more in linked deposits investments. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less. Paperless statements available online with no fee.
Chase Premier Platinum Checking: Tiered interest rates. Minimum Balance can be combined in qualifying checking, savings and investment accounts. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less. Monthly service charges if not waived are $35 unless the account holder is in Ct, NJ, NY in which case the monthly service fee is $45.
College Checking Account: Monthly service fee waived for up to 5 years as long as account holder is enrolled in college or monthly service fee waived with monthly direct deposit; otherwise, fee applies regardless of balance kept. College student must be 17-24 years of age and may be required to validate student status, college name and expected graduation date at the time of account opening. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less. Paperless statements available online with no fee.
High School Checking: Students between ages 13 - 17, account jointly owned with a parent or guardian, provided that the parent or guardian maintains a separate qualified linked checking account. No monthly service fee with a joint owner who maintains a qualified linked checking account, or with monthly direct deposit. Account converts to Chase Checking when student reaches age 19. Paperless statements available online for no fee.

New York Community Bank

My Community Free Checking: With optional Overdraft Shield (overdraft protection) funds will be transferred from your statement savings, statement money market or other checking account to cover insufficient funds, with a $20 transfer fee. (Bank limits the number of overdraft fees charged to your account to 4 per day. Bank will not charge an overdraft fee if you are overdrawn by $10.00 or less (does not apply to Overdraft Shield).
My Community Interest Checking: Earns interest on balances as low as $100. With optional Overdraft Shield (overdraft protection) funds will be transferred from your statement savings, statement money market or other checking account to cover insufficient funds, with a $20 transfer fee. (Bank limits the number of overdraft fees charged to your account to 4 per day. Bank will not charge an overdraft fee if you are overdrawn by $10.00 or less (does not apply to Overdraft Shield).
Student Checking: With optional Overdraft Shield (overdraft protection) funds will be transferred from your statement savings, statement money market or other checking account to cover insufficient funds, with a $20 transfer fee. (Bank limits the number of overdraft fees charged to your account to 4 per day. Bank will not charge an overdraft fee if you are overdrawn by $10.00 or less (does not apply to Overdraft Shield).
50+ Checking: Earns interest on balances as low as $1,000. With optional Overdraft Shield (overdraft protection) funds will be transferred from your statement savings, statement money market or other checking account to cover insufficient funds, with a $20 transfer fee. (Bank limits the number of overdraft fees charged to your account to 4 per day. Bank will not charge an overdraft fee if you are overdrawn by $10.00 or less (does not apply to Overdraft Shield).

PNC Bank

Free Checking: Overdraft protection available. NSF fee is $25 for the first occurrence (and previous 11 service charge cycles): limit of 4 charges per day. $36 per item for additional occurrences within the same period (limit of 4 charges per day).
Performance Checking: Tiered interest rates, interest earned on balances of $2,000 or more. Overdraft protection available. NSF fee is $25 for the first occurrence (and previous 11 service charge cycles): limit of 4 charges per day. $36 per item for additional occurrences within the same period (limit of 4 charges per day).
Performance Select Interest Checking: Tiered interest rates, interest earned on balances of $2,000 or more. Overdraft protection available. Minimum balance requirement can be met with $5,000 in combined qualifying accounts. NSF fee is $25 for the first occurrence (and previous 11 service charge cycles): limit of 4 charges per day. $36 per item for additional occurrences within the same period (limit of 4 charges per day).

Queens County Savings Bank - A Division of New York Community Bank

My Community Free Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from an NYCB savings, checking or money market account to cover insufficient funds, with a $20 transfer fee. NSF fee is not charged if you have overdraft protection.
My Community Interest Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from an NYCB savings, checking or money market account to cover insufficient funds. There is a $20 fee for transferring funds for overdraft protection and conditions apply.
Student Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from NYCB savings, checking or money market account to cover insufficient funds. There is a $20 fee for transferring funds for overdraft protection and conditions apply.
50+ Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from NYCB savings, checking or money market account to cover insufficient funds, with a $20 transfer fee. NSF fee is not charged if you have overdraft protection.

Richmond County Savings Bank - A Division of New York Community Bank

My Community Free Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from an NYCB savings, checking or money market account to cover insufficient funds, with a $20 transfer fee. NSF fee is not charged if you have overdraft protection.
My Community Interest Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from an NYCB savings, checking or money market account to cover insufficient funds. There is a $20 fee for transferring funds for overdraft protection and conditions apply.
Student Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from NYCB savings, checking or money market account to cover insufficient funds. There is a $20 fee for transferring funds for overdraft protection and conditions apply.
50+ Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from NYCB savings, checking or money market account to cover insufficient funds, with a $20 transfer fee. NSF fee is not charged if you have overdraft protection.

Roosevelt Savings Bank - A Division of New York Community Bank

My Community Free Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from an NYCB savings, checking or money market account to cover insufficient funds, with a $20 transfer fee. NSF fee is not charged if you have overdraft protection.
My Community Interest Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from an NYCB savings, checking or money market account to cover insufficient funds. There is a $20 fee for transferring funds for overdraft protection and conditions apply.
Student Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from NYCB savings, checking or money market account to cover insufficient funds. There is a $20 fee for transferring funds for overdraft protection and conditions apply.
50+ Checking: With optional Overdraft Shield (overdraft protection) funds are transferred from NYCB savings, checking or money market account to cover insufficient funds, with a $20 transfer fee. NSF fee is not charged if you have overdraft protection.

Wachovia Bank - A Division of Wells Fargo Bank, NA

Wells Fargo Value Checking: Overdraft Protection available. Free balance alerts through online banking with BillPay available. Bank will pay a bonus to save if you add "Way2Save" to account. Monthly fee of $3 to return check images with statement (free with online statements). NSF fee is $15 per item. $5 monthly service fee is waived if you maintain an average daily balance of $1,500 OR maintain a qualifying direct deposit of $250 or more.
Wells Fargo College Checking: Overdraft Protection Option available. Free balance alerts through online banking with BillPay available. Bank will pay you a bonus to save if you add "Way2Save" to account. Monthly fee of $3 to return check images with statement. Monthly fee of $10 that can be waived with ONE of the following: Maintain a $1,000 minimum daily balance, Enroll in Direct Deposit, Set up $25 monthly automatic transfer from this account to your savings account, Set up a $1 daily automatic transfer (every business day) from this account to your savings account, or Set up the Save As You Go® transfer option.