Search / Checking accounts by state / New York Low-cost checking accounts in New York There are 71 Bank On certified checking accounts available to residents of New York. Of those, 46 carry a $0 monthly maintenance fee and 68 charge no overdraft fees at all. 40 come from local or regional institutions rooted in New York, while 31 are offered by national banks serving customers across the country.
Certified accounts 71
$0 monthly fee 46
No overdraft fees 68
Local institutions 40 Watertown Savings Bank
Opportunity Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Quorum Federal Credit Union
QFlex Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Woodforest National Bank
WBank Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Capital One
360 Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 70,000+ Bank OZK
Freedom Advantage Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
City National Bank
Safe Check Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Hanmi Bank
Choice Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Beacon Bank & Trust Bank
On Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Berkshire Bank
MyFreedom Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. The First Bank of Greenwich
Basic Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
USALLIANCE Financial Dora
Everyday Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
BankUnited National Association
BankUnited Essentials Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
ConnectOne Bank Totally
Free Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. NorthEast Community Bank
Free Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Visa Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Heritage Financial Credit Union
Opportunity Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Northfield Bank Convenience
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Peoples Bank
Empower Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Provident Bank
Bank On Provident Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Adirondack Trust Company
BankOn Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Bank of Greene County
Bank On Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Citizens & Northern Bank
C&N Simple Debit Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Five Star Bank Progress
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
New York Episcopal Federal Credit Union NYEFCU
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Pathfinder Bank
Value Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Rhinebeck Bank
Access Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Ridgewood Savings Bank Ridgewood
BankOn Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Rondout Savings Bank Turn on the Light
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Spring Bank
Green Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. The North Country
Savings Bank Canton NY NCSB Effortless Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Discover Bank
Cashback Debit Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Bank of America
SafeBalance Banking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees Yes
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs None (No fees for using any ATM) Flushing Bank Complete
Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 55,000+ Alliant Credit Union
High-Rate Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Alliant Credit Union
Teen Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 80,000+ Ally Bank
Spending Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 75,000+ Centennial Bank
Simply 100 Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Contact bank
Chase
Secure Banking Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 14,000+ LendingClub
Level Up Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs -1+ nbkc bank
Everything Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $0
Overdraft fees None
Free ATMs 90,000+ 1st National Bank of Scotia
1st Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $1
Overdraft fees None
Free ATMs 55,000+ Maspeth Federal
Savings Perks Checking Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $1
Overdraft fees Yes
Free ATMs 95,000+ KeyBank Hassle-Free
Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $10
Overdraft fees None
Free ATMs KeyBank NBT Bank NBT
iSelect Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $25
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Bank of Holland
Smart Start Account Online bill pay Mobile check deposit Debit card
Monthly fee Free
To open $50
Overdraft fees None
Free ATMs 20+ Bank On Buffalo
Stress Less Account Online bill pay Mobile check deposit Debit card
Monthly fee $2.00
To open $25
Overdraft fees None
Free ATMs MoneyPass Apple Bank
BasicValue Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $10
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Solvay Bank New Leaf
Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $15
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Amalgamated Bank
Purpose Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs 40,000+ Cathay Bank
Everyday Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs PULSE Select® / Money Pass® Popular Bank Popular
Easy Access Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs 55,000+ Ulster Savings Bank
Smart Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs 2+ Valley National Bank
Valley Journey Checking Online bill pay Mobile check deposit Debit card
Monthly fee $3.00
To open $25
Overdraft fees None
Free ATMs 230+ Santander Bank Santander
Essential Checking Online bill pay Mobile check deposit Debit card
Monthly fee $4.00
To open $10
Overdraft fees None
Free ATMs Santander Webster Bank
Webster Connect Checking Online bill pay Mobile check deposit Debit card
Monthly fee $4.50
To open $0
Overdraft fees None
Free ATMs 40,000+ TD Bank TD
Essential Banking Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $0
Overdraft fees None
Free ATMs TD Alma Bank
Every Day Checking Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $25
Overdraft fees None
Free ATMs 40,000+ M&T Bank
MyWay Banking Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee $4.95
To open $25
Overdraft fees None
Free ATMs 2,000+ Citizens Bank
Checking Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 60,000+ Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs 65,000+ Tompkins Community Bank
Smart Spend Checking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $0
Overdraft fees None
Free ATMs Tompkins Community Bank Flagstar Bank
Flagstar One Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $1
Overdraft fees None
Free ATMs 56,000+ Armed Forces Bank
Safe Spending Account Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs MoneyPass Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 40,000+ Wells Fargo
Clear Access Banking Online bill pay Mobile check deposit Debit card
Monthly fee $5.00
To open $25
Overdraft fees None
Free ATMs 10,000+ Wallkill Valley Federal
Savings and Loan Bank On Checking Online bill pay Mobile check deposit Debit card
Monthly fee $8.00
To open $0
Overdraft fees None
Free ATMs 5+ nbkc bank
Money Market Account Online bill pay Mobile check deposit Debit card
Monthly fee $12.00
To open $0
Overdraft fees None
Free ATMs 90,000+ Dime Community Bank
Basic Checking Online bill pay Mobile check deposit Debit card
Monthly fee $12.00
To open $100
Overdraft fees None
Free ATMs Not specified, but belongs to several surcharge-free ATM networks. Trustco Bank Home Town
BankOn Account Online bill pay Mobile check deposit Debit card
Monthly fee $25.00
To open $50
Overdraft fees None
Free ATMs 55,000+ Next steps for New York residents