Discover tailored financial products and services designed to help you achieve your goals, manage your money efficiently, and secure your financial future.
Explore our comprehensive range of personal banking solutions tailored to meet your financial needs at every stage of life.
Everyday banking accounts with convenient access to your money through debit cards, checks, and digital banking.
Grow your wealth with our range of savings accounts, certificates of deposit, and investment options.
Access funds for major purchases, debt consolidation, or unexpected expenses with flexible repayment options.
Realize your homeownership dreams with competitive mortgage rates and home equity solutions.
Find the perfect account that matches your financial needs and lifestyle with our easy-to-compare options.
| Account Type | Monthly Fee | Minimum Balance | Features | APY | Action |
|---|---|---|---|---|---|
|
Basic Checking
For everyday banking needs
|
$5.95
Waived with $500 direct deposit
|
$100
|
|
0.01%
|
|
|
Premium Checking
Enhanced benefits & rewards
|
$12.95
Waived with $2,500 balance
|
$1,000
|
|
0.05%
|
|
|
Elite Checking
Premium services & benefits
|
$24.95
Waived with $25,000 in combined balances
|
$5,000
|
|
0.10%
|
Annual Percentage Yield (APY) accurate as of June 29, 2025. Rates may change after account opening. Fees may reduce earnings.
Access your accounts anytime, anywhere with our secure and user-friendly digital banking solutions.
Access your accounts, view statements, schedule payments, and manage your finances from your computer.
Estimate your monthly payments and see how much you could borrow based on your financial situation.
Find answers to common questions about our personal banking services and products.
You can open a new account online, through our mobile app, or by visiting any of our branch locations. For online applications, you'll need to provide identification documents, personal information, and an initial deposit. The process typically takes about 10-15 minutes to complete. Our representatives are available to assist you if you have any questions during the application process.
Minimum balance requirements vary by account type. Basic Checking accounts require a $100 minimum balance to avoid fees, Premium Checking accounts require $1,000, and Elite Checking accounts require $5,000. Savings accounts typically require a $300 minimum balance, while Money Market accounts require $2,500. Please refer to our account comparison table for specific details on each account type.
There are several ways to avoid monthly maintenance fees on our accounts. For Basic Checking, fees are waived with a $500 monthly direct deposit. Premium Checking fees are waived with a $2,500 minimum daily balance or $5,000 in combined deposit balances. Elite Checking fees are waived with $25,000 in combined deposit and investment balances. Students, seniors, and military personnel may also qualify for fee waivers on certain accounts.
We offer several types of personal loans to meet your needs, including unsecured personal loans, debt consolidation loans, home improvement loans, and secured personal loans. Loan amounts range from $2,000 to $50,000 with terms from 12 to 60 months. Interest rates vary based on your credit score, loan amount, term length, and whether the loan is secured or unsecured.
You can apply for a mortgage or home equity loan online, by phone, or at any branch location. The application process involves providing financial documentation, including income verification, asset statements, and property information. For mortgages, we offer fixed-rate and adjustable-rate options with various term lengths. Home equity loans and lines of credit are also available with competitive rates based on your home's value and your credit profile.
Credit score requirements vary by loan type. Generally, a score of 660 or higher is preferred for personal loans with the most competitive rates. Mortgage loans typically require a minimum score of 620 for conventional loans, though FHA loans may be available with scores as low as 580. We consider multiple factors beyond credit scores, including income, employment history, debt-to-income ratio, and relationship with the bank when making lending decisions.
Yes, our mobile banking platform employs multiple layers of security, including 256-bit encryption, multi-factor authentication, biometric login options (fingerprint, face ID), and automatic session timeouts. We also offer real-time fraud monitoring and instant transaction alerts. Our mobile app never stores your sensitive account information on your device. We continuously update our security measures to protect against emerging threats.
Setting up online bill payments is simple. First, log in to your online banking account or mobile app. Navigate to the "Bill Pay" section and select "Add a Payee." You can add companies by searching our database or manually entering the payee information. Once added, you can schedule one-time or recurring payments, specify payment amounts and dates, and receive confirmation when payments are processed. The service is free with all checking accounts.
If you forget your online banking password, click the "Forgot Password" link on the login page. You'll need to verify your identity using your account number, Social Security number, and answering security questions. Alternatively, we can send a verification code to your registered email or phone number. Once verified, you'll be prompted to create a new password. For security reasons, your new password must be different from your previous passwords.
We're here to help with all your personal banking needs. Reach out to us through any of these channels.
Our dedicated team is available around the clock to assist with your banking needs.
Have a question or feedback? Fill out this form and we'll get back to you within 24 hours.
Monday - Friday: 9:00 AM - 5:00 PM
Saturday: 9:00 AM - 1:00 PM
Sunday: Closed
123 Financial District
New York, NY 10004
United States
