Personal · Checking
Free Checking meets the New York Basic Banking standard. Direct Checking pays interest when your paycheck lands here. 18/65 and Fresh Start cover the customers a single product usually forgets.
Everyday banking with no monthly fee.
A straightforward checking account that meets the New York State Department of Financial Services Basic Banking standard.
Get paid, and earn a little back.
Interest-bearing checking. The $10 monthly fee is waived with a qualifying direct deposit.
Built for students and for customers 65 and over.
A checking relationship with the monthly fee waived for customers age 18 or younger, or 65 and older.
A second chance, with a clear path forward.
Second-chance checking for customers who have had trouble opening an account elsewhere. Simple pricing, no surprise qualification hoops.
| Free Checking | Direct Checking with Interest | 18/65 Checking | Fresh Start Checking | |
|---|---|---|---|---|
| Monthly fee | $0 | $10 | Waived for eligible ages | Low, flat fee |
| Minimum to open | $25 | — | — | — |
| Interest | None | Yes — see Rates | None | None |
| Best for | Everyday spending | Paycheck depositors | Students and seniors | Rebuilding a banking relationship |
| Debit card | Visa debit included | Visa debit included | Optional | — |
| Fee waiver | — | Qualifying direct deposit | — | — |
| Who qualifies | — | — | Age 18 or under, or 65+ | — |
| ChexSystems | — | — | — | Second-chance review |
| Upgrade path | — | — | — | Move to Free Checking when eligible |
Free Checking is offered consistent with the NYS DFS Basic Banking Account requirements. Other banks’ ATM operators may charge a fee. See the account agreement for transaction limits.
Interest rates and APY may change after the account is opened. Fees may reduce earnings. A direct deposit is an electronic credit of your paycheck, pension, or government benefit.
Opening is subject to bank approval and identification requirements. This is a demonstration application only.
Account opening in this demonstration does not create a deposit account and is not an offer of credit.