Checking
Checking
Checking for All Needs
First New York’s transaction accounts, also known as checking accounts, safeguard your spending. Earn dividends on your account and insure your money. Plus, there are no hidden fees, and you can access your account 24/7/365 through our online and mobile apps. Become a member to get started or click on the buttons to learn more.
Visa® Debit Card
• No fees
• No monthly service charge
• Tap-to-Pay
• Accepted worldwide
• Instant transactions
• Free unlimited transactions at First New York ATMs and ITMs
• Surcharge free at SUM and CO-OP branch ATMs
• Visa Purchase Alerts
• Free instant replacement if damaged or stolen**
Become a member to open an All Access, Checking Account, or Member Business Checking Account to receive your free Visa® Debit Card. If you’re already a member, you can open an account to receive your card in-branch, through First OnLine, or by calling the Contact Center.
Extra Debit Card Bonuses
Visa® Purchase Alerts
Your First New York Visa® credit or debit card allows you to receive
Visa® Purchase Alerts for all of your purchases. Set up your alerts today!
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Visa® Debit & Credit Card Controls
Get notified of purchases in real time with our new card controls. Learn the 11 steps to set up your FNY Visa® Credit and Debit card controls.
Read More
Digital Wallet
Our credit or debit cards allow you to receive Visa® Purchase Alerts for all of your purchases. Set up your alerts today!
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Ordering Checks
Quickly and easily reorder checks through online or mobile banking or by calling the Contact Center (518-393-1326, Option #2).
In online and mobile banking, select ‘More’, then click ‘My Tools’, and then ‘Order Checks’.
Log in to Online Banking
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All Access, Choice, and Member Business
Learn our checking account details
All Access Account
Your Money, Your Way
All Access accounts give you the power to spend safely. Opening an account allows you to deposit and withdraw funds safely. So, you can leave your cash and checks at home, and instead, use your free Visa® Debit Card to pay for your everyday expenses.
Become a member to open an All Access account, or if you’re currently a member, set it up using First Online or call our Contact Center to do it for you.
Open Account
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Choice Account
Earn Dividends
The biggest difference between an All Access Account and Choice Account is earning dividends. You’ll have all of the features of an All Access Account plus added-on benefits for collecting dividends. Click the button to learn more.
Compare Features
View Dividends
Choice Account Rates
| Average Percentage Yield | Dividend Rate* |
|---|---|
| 0.05% | Dividend Rate |
| *No minimum to open, no minimum to open for students with valid Student ID and $1 minimum to open for youth accounts. Earn dividends if average daily balance is greater than $1,000. No monthly service charge with Direct Deposit, First OnLine Bill Payment Service, or if you maintain a $1,000 average daily balance. Dividends are compounded monthly. Fees may reduce earnings on this account. | |
Compare All Access and Choice Account Features
| Transaction Account Features | All Access | Choice Account |
|---|---|---|
| No minimum deposit needed to open | ✓ | ✓ |
| No monthly minimum balance requirements | ✓ | ✓ |
| No monthly service charges | ✓ | ✓ |
| No per-check charges | ✓ | ✓ |
| Free Visa® Debit Card | ✓ | ✓ |
| Free access to First New York online and mobile banking | ✓ | ✓ |
| Receive a monthly statement by mail or by e-statement | ✓ | ✓ |
| View and print canceled checks online with online banking | ✓ | ✓ |
| Direct deposit or payroll deduction | ✓ | ✓ |
| Order customized share draft checks, online, in person, or by mail | ✓ | ✓ |
| Apply for Cashline overdraft protection | ✓ | ✓ |
| Share share overdraft protection available | ✓ | ✓ |
| Identity Theft Protection from IDProtect available | ✓ | ✓ |
| Earn competitive dividends with an average daily balance of $1,000 or more* | - | ✓ |
| Annual Percentage Yields | - | ✓ |
| No monthly service charges on direct deposit* | - | ✓ |
| No monthly service charges on My First New York Bill Payment* | - | ✓ |
| No monthly service charges on $1,000 average daily balance* | - | ✓ |
| *Earn dividends if average daily balance is greater than $1,000. Dividends are compounded monthly. No monthly service charge with Direct Deposit, My First New York Bill Payment Service, or if you maintain a $1,000 average daily balance. Fees may reduce earnings on this account. | ||
Member Business Account
Business Done Better
• Unlimited Free check deposits per month
• Unlimited Free checks paid per month
• Free Visa® Debit Cards
• Overdraft Protection available
First New York gives our members who are business owners additional perks. When you open a Member Business Checking Account for your business, we give you free checking with no minimum balance and monthly maintenance fees.