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NorthEast Community Bank

Personal · Checking

Four personal checking accounts.

Free Checking has no monthly fee and meets the New York Basic Banking standard. Direct Checking earns interest. 18/65 and Fresh Start are the other two choices.

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Free Checking

No monthly service charge.

A personal checking account with no minimum balance, no minimum deposit, and no per-check charges.

  • No minimum balance.
  • An ATM/Visa debit card gives 24-hour access to the account.
  • Unlimited check writing.
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Direct Checking with Interest

Interest, with direct deposit.

Interest-bearing checking. The $10 monthly service charge is waived with one direct deposit in the statement cycle.

  • Interest on checking balances.
  • Unlimited check writing, online banking, and an ATM/Visa debit card.
  • The rate and annual percentage yield may change at any time. Call (800) 287-7500.
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18/65 Checking

No monthly service charge for eligible customers.

Checking with a $0 monthly service charge for customers who meet the age rule published with the account.

  • The comparison table says the account is for ages 18–19 or 65 and older.
  • The same page describes the Massachusetts 18-65 law as covering a person 18 or younger, or 65 or older, for a savings and a checking account at a Massachusetts state-chartered savings bank without a service or maintenance charge.
  • No charges for a deposit or withdrawal, and no fees for initial or subsequent basic checks associated with an 18-65 account.
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Fresh Start Checking

An alternative when other checking accounts are not available.

For customers who do not qualify for other checking accounts because of prior banking history.

  • Offered when overdrafts, insufficient funds, or other adverse history make another account unavailable.
  • After 12 consecutive months in good standing, you may choose to convert to one of NECB’s other checking accounts.
  • Online banking with money management and bill pay, eStatements, unlimited check writing, and Allpoint ATM access.
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Compare

Free CheckingDirect Checking with Interest18/65 CheckingFresh Start Checking
Monthly fee$0$10$0$10
Minimum to openNo minimum deposit———
InterestNoneYes — rate not publishedNoneNone
Debit cardATM/Visa debit cardATM/Visa debit cardATM/Visa debit cardBased upon eligibility
Mobile bankingFree——Based upon eligibility
Fee waiver—One direct deposit in the statement cycle—One direct deposit in the statement cycle
Minimum balance—NoneNone—
Comparison-table ages——18–19, or 65 and older—

Free Checking

  • No minimum balance.
  • An ATM/Visa debit card gives 24-hour access to the account.
  • Unlimited check writing.
  • Free online banking with money management and bill pay.
  • eStatements.
  • Surcharge-free ATM access at Allpoint locations.

Free Checking satisfies the New York State Department of Financial Services Basic Banking checking account standards. Ask a representative about account-opening eligibility. Other ATM operators may charge a fee.

Direct Checking with Interest

  • Interest on checking balances.
  • Unlimited check writing, online banking, and an ATM/Visa debit card.
  • The rate and annual percentage yield may change at any time. Call (800) 287-7500.

A direct deposit is a credit to the account during the monthly statement cycle. Fees may reduce earnings.

18/65 Checking

  • The comparison table says the account is for ages 18–19 or 65 and older.
  • The same page describes the Massachusetts 18-65 law as covering a person 18 or younger, or 65 or older, for a savings and a checking account at a Massachusetts state-chartered savings bank without a service or maintenance charge.
  • No charges for a deposit or withdrawal, and no fees for initial or subsequent basic checks associated with an 18-65 account.
  • Unlimited check writing.
  • Free online banking with money management and bill pay.
  • eStatements.
  • Surcharge-free ATM access at Allpoint locations.

Ask a representative which age rule applies before the account is opened. The two descriptions on necb.com do not use the same age range.

Fresh Start Checking

  • Offered when overdrafts, insufficient funds, or other adverse history make another account unavailable.
  • After 12 consecutive months in good standing, you may choose to convert to one of NECB’s other checking accounts.
  • Online banking with money management and bill pay, eStatements, unlimited check writing, and Allpoint ATM access.

Ask a representative about eligibility. Approval is not described as guaranteed.

To open an account, call 1-877-GO-4-NECB or visit a branch. Ask a representative about eligibility.

See deposit rates