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Checking

Spend smarter. Earn while you do.

A First New York checking account keeps your day-to-day money safe, insured, and growing. No hidden fees, no surprises, just dividends on your balance and full access to your account anytime, anywhere, through online and mobile banking.

• Free Visa® Debit Card

• Earn dividends*

• No monthly service charges

• No minimum deposit or minimum balance requirements

• No per-check charges

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Benefits That Work as Hard as You Do

Visa® Purchase Alerts

Stay in the know with Visa purchase alerts. Real-time alerts that keep you up to date with your transactions.

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Card Controls

With card controls, enjoy security at your fingertips. Lock or unlock your card, anytime anywhere through our online banking.

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Digital Wallet

Add your card into your digital wallet and enjoy the convenience of having your visa card accessible on your mobile device.

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Personalize

Add your personal style to a visa card by selecting one of our many card designs at one of our eight branch locations.

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Your Money, Your Checking Style

See what’s included with our checking accounts

All Access Account

An All Access checking account gives you secure deposits, easy withdrawals, and a free Visa® Debit Card for everything in between.

• Fee Free: No minimum deposit or service fee’s

• Secure: Overdraft protection available

• Flexible: View your account anytime, anywhere through My First New York

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Choice Account

jar of coins growing a green plant

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.

Average Percentage YieldDividend 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.
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Member Business Account

calculator and notebook

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.

 

For more information on Business Services, please reach out to our Business Services Team.

• Unlimited Free check deposits per month

• Unlimited Free checks paid per month

• Free Visa® Debit Cards

• Overdraft Protection available

Compare All Access and Choice Account Features

Transaction Account FeaturesAll 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.

Protect, Tap and Control with a Visa® Debit Card

First New York Visa Credit Cards

Becoming a member and opening an All Access, Choice or Member Business Checking Account is all it takes to get your free Visa® Debit Card. Current members can apply for a checking account any time online through My First New York digital banking, over the phone or in any of our eight branches.

• Stay protected: Free fraud monitoring alerts, around the clock

• Pay faster: Just tap and go with Tap-to-Pay

• Stay in control: Lock or unlock your card instantly through digital banking

• Keep more: No surcharges at SUM and CO-OP ATMs

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Report a Lost/Stolen Card

Become a Member

Join First New York to open your All Access or Choice account.

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Digital Banking

Enjoy free 24/7 access to your accounts through My First New York Digital Banking.

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Direct Deposit

Call or text our contact center team to set up your direct deposit.

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E-Z Access Checking

Our E-Z Access Accounts gives young adults the chance to start spending.

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*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, My First New York Bill Payment Service, or if you maintain a $1,000 average daily balance. Dividends are compounded monthly. Fees may reduce earnings on this account. **If your card is deemed damaged or stolen you will receive a free reissued First New York Visa® Debit Card. If your card is reported or deemed lost, you will have to pay a $10 replacement fee.