New York City Checking Account Notes


Astoria Federal Savings Bank

  • Easy Checking: Additional $5 per month fee for check images returned with statement. NSF Fees: first occurrence - $25, second to fourth occurrence - $30, fifth and all subsequent occurrences - $35.
  • 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

  • Regular Checking: Monthly maintenance fee waived with Linked Accounts. Meet one of the following balance requirements during each statement cycle: Minimum daily balance in checking-$1,500 or more or Minimum daily balance in linked Regular Savings-$2,000 or more or Minimum daily balance in linked money market savings-$5,000 or more. Average daily balance in checking with linked savings, CD and IRS accounts-$5,000 or more.
  • My Access Checking: monthly maintenance fee 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 accounts, OR $15,000 outstanding balance on a linked installment loan or line of credit, OR a linked first mortgage that BofA services, OR $15,000 or more in total combined assets in your eligible linked Merrill Lynch investment accounts. 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: No monthly maintenance fee when you choose online paperless statements and complete transactions online or by ATM, without a teller. Free enrollment in "Keep the Change® " savings program. 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. Earn 1X Rewards, plus bonus miles.
  • 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.

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: Basic Banking Account Maintenance Fee (per month) is $3. Basic Banking Account Excess Withdrawal Fee (per month) for cash, check or Emigrant ATM withdrawals in excess of twelve during statement cycle is $9. Optional overdraft protection: reserve line of credit subject to credit approval, finance charges apply.
  • NOW Checking: NOW Account Maintenance Fee for Balance below $2,500 at any time during monthly statement cycle is $9. Optional overdraft protection: reserve line of credit subject to credit approval, finance charges apply.

HSBC Bank USA NA

  • HSBC Premier: Monthly maintenance fee waived with $100,000 in qualifying combined personal deposit and investment balances. Minimum balance to earn APY is $5.
  • HSBC Advance : Monthly maintenance fee waived with $15,000 in combined qualifying balances. Minimum balance to earn APY is $5.
  • Choice Checking: To avoid a monthly $15 maintenance fee for Choice Checking, you need to maintain direct deposit or $1,500 in total combined personal deposit and investment balances. Check images are available online.
  • Basic Banking: account is designed for those who write only a few checks a month.

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 monthly service fee. 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 Checking Account: 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.
  • 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: No fee for NSF fee or stop payments. Insufficient Funds and Returned Item Fee: $0 if there were 4 or fewer Insufficient Funds or Returned Item occurrences in the previous 12 months. $34 for each item paid, maximum 3 Insufficient Funds and Returned Item Fees per day after the 4 occurrences. You will not be charged an Insufficient Funds Fee if your ending account balance is overdrawn by $5 or less. See issuer website for full details.
  • College Checking Account: No monthly service fee: if enrolled in college for up to 5 years, or with monthly direct deposits. 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.

New York Community Bank

  • My Community Basic Checking: With optional Overdraft Shield (overdraft protection) funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Free Checking: With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Interest Checking: Maintain a daily balance of $100 to earn interest. With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Student Checking: With optional Overdraft Shield (overdraft protection) funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • 50+ Checking: Maintain a daily balance of $1,000? to earn interest. With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).

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).
  • Virtual Wallet Checking: For people that want innovative online tools that give a customer a comprehensive view of his/her finances all in one place.

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

  • My Community Basic Checking: With optional Overdraft Shield (overdraft protection) funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Free Checking: With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Interest Checking: Maintain a daily balance of $100 to earn interest. With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Student Checking: With optional Overdraft Shield (overdraft protection) funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • 50+ Checking: Maintain a daily balance of $1,000? to earn interest. With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).

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

  • My Community Basic Checking: With optional Overdraft Shield (overdraft protection) funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Free Checking: With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Interest Checking: Maintain a daily balance of $100 to earn interest. With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Student Checking: With optional Overdraft Shield (overdraft protection) funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • 50+ Checking: Maintain a daily balance of $1,000? to earn interest. With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).

Roosevelt Savings Bank - A Division of New York Community Bank

  • My Community Basic Checking: With optional Overdraft Shield (overdraft protection) funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Free Checking: With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Interest Checking: Maintain a daily balance of $100 to earn interest. With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • My Community Student Checking: With optional Overdraft Shield (overdraft protection) funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).
  • 50+ Checking: Maintain a daily balance of $1,000? to earn interest. With optional Overdraft Shield (overdraft protection), funds will be transferred from your savings or other checking account to cover insufficient funds ($20 per item fee applies).

Wells Fargo Bank

  • At Work Package: Requires an At Work Checking account ($50 minimum to open) and a Way2Save Savings Account ($25 minimum to open). Checking Account Service Fee: $12 with online-only statements ($14 with paper statements) is waived when opened as a complete package and has one of the following: Qualifying direct deposits totaling $1,000 or more each statement cycle into your Wells Fargo At Work Checking account, OR $7,500 minimum combined deposit balances. If you don't meet either of those requirements, you can still get $3 off the monthly service fee when you have qualifying direct deposits totaling less than $1,000 per statement cycle. Way2Save Savings Account Monthly Fee: $5.00, waived when you maintain a $300 minimum daily balance or set up and maintain at least one automatic savings option. Check Image Statements: $2 per month for copies of the front of your checks, $3.50 per month for copies of the front and back of your checks (5 checks per page). Note: The fee is assessed every month, even if no checks are paid against your account. NSF Fee: $35 per item (limit of 4 per day). Overdraft Protection available with linked savings account ($12.50 transfer fee), credit card or line of credit ($12.50 transfer fee, subject to credit approval, interest).
  • Teen Checking: A checking account designed especially for 13- to 17-year-old customers (18-year-old in AL) who have an adult co-owner on the account. The $3 monthly service fee will be waived with online statement delivery. NSF Fee: $15 per item, no more than 2 overdraft and returned item fees will be charged on any business day.
  • Value Checking: $7.00 per month fee with online only statements ($9.00 fee with paper statements); Service fee is waived with $500 minimum monthly Direct Deposit or $1,500 minimum daily balance. NSF Fee: $35 per item (maximum of 4 fees per day). Overdraft Protection available with linked savings account ($12.50 transfer fee), credit card or line of credit (subject to credit approval, $12.50 fee and interest apply). Check image statements are $2 per month for the front image of your checks; $3.50 for the front and back images of your checks. Note: The fee is assessed every month, even if no checks are paid against your account. Two months of free Online Bill Pay for new accounts, after that Bill Pay is $3 per month (or free of monthly service fees if you maintain at least $5,000 in your qualifying personal accounts at all times).
  • College Combo Package: Requires a Wells Fargo College Checking account ($50 minimum to open) and Wells Fargo Way2Save Savings account ($25 minimum to open). $3 monthly service fee waived with package and $500 average daily balance OR Direct Deposit. You can also waive the monthly service fee when your account is linked to one of the following: Wells Fargo PMA Package, OR Wells Fargo Campus ATM or Campus Debit Card. NSF Fee: $35 per item (maximum of 4 fees per day). Overdraft Protection available with linked savings account ($12.50 transfer fee), credit card or line of credit (subject to credit approval, $12.50 fee and interest apply). Check image statements are $2 per month for the front image of your checks; $3.50 for the front and back images of your checks. Note: The fee is assessed every month, even if no checks are paid against your account.
  • Way2Save Checking Package: Requires a Way2Save Checking account ($50 minimum opening deposit), Way2Save Savings account ($25 minimum opening deposit), Online Banking with Free Bill Pay and a Platinum Debit Card. $10 monthly checking service fee ($12 with paper statements) is waived with either: 10 debit card purchases/payments, OR qualifying total direct deposits of $750, OR maintain a $2,000 minimum daily balance. Way2Save Savings Account Monthly Service Fee: $5. This fee can be waived with either: Save As You Go® transfer option, OR $25 monthly automatic transfer, OR $1 daily automatic transfer, OR maintain a $300 minimum daily balance. Check images available with statements as follows: $2 per month for front image of checks, $3.50 per month for front and back images. NSF Fees: $35 (maximum of 4 fees per day). Overdraft Protection available with linked savings account ($12.50 transfer fee), credit card or line of credit (subject to credit approval, $12.50 fee and interest apply).
  • Preferred Package: Requires a Wells Fargo Preferred Checking account ($50 minimum to open) and Wells Fargo Money Market Savings account ($50 minimum to open). Account earns 0.01% APY on the entire balance when the balance is $500 or more. $13 monthly service fee with online-only statements ($15 with paper statements) is waived on your Preferred Checking account when you open it as a complete package and have one of the following: Maintain $10,000 combined minimum deposit balances, OR have a linked Wells Fargo Home Mortgage®. Check images available with paper statements: $2 per month for front image of checks, $3.50 per month for front and back images. Note: The fee is assessed every month, even if no checks are paid against your account. NSF Fee: $35 per item (maximum of 4 fees per day). Overdraft Protection available with linked savings account ($12.50 transfer fee), credit card or line of credit (subject to credit approval, $12.50 fee and interest apply).
  • PMA Package: requires a PMA Prime Checking account and your choice of another qualifying account. $30 monthly service fee: For each month that one of the following requirements in statement-ending balances is met, you'll avoid the $30 monthly service fee: $25,000 or more in qualifying linked bank deposit accounts (checking, savings, CDs, FDIC-insured IRAs), or $50,000 or more in any combination of qualifying linked banking, brokerage (available through Wells Fargo Advisors, LLC), and credit balances (including 10% of mortgage balances, certain mortgages not eligible). Benefits of this relationship package include tiered interest rates on all balances, fee waivers and discounted services. No fee for check images included in paper statements for PMA Prime Checking Account. NSF Fee: $35 per item (limit of 4 per day). Overdraft Protection available with linked savings account ($12.50 transfer fee), credit card or line of credit (subject to credit approval, interest, no transfer fee for PMA account with linked line of credit).