Whether it’s your first checking account or you don’t qualify for a traditional checking account, our Direct Checking is designed for all! With no account fees and our digital services, we make it easy and convenient for you to pay your bills, pay people, transfer funds and make deposits.
- No overdraft or insufficient funds fee
- No monthly service fee
- No maintenance fee
- $1.00 minimum to open
- Enrollment in Even >More Rewards Program1
- Full Account Details
Banking Made Easy
- My Banking Direct Visa® debit card
- Free POS (point of sale) transactions
- Access to over 55,000 fee-free2 Allpoint and Presto! ATMs worldwide.
- NYCB Online with bill pay
- NYCB Mobile with mobile deposit
- Send money with Zelle®3
- View e-Statements and e-Documents
Before you begin, be sure to have the following information available to complete your account application.
- Personal Information
- Social Security Number or Tax Identification Number
- Valid U.S. Address
- Form of identification
Let's Get Started
Give Us a Call (866) 285-1856
Why My Banking Direct?
My Banking Directis a service of Flagstar Bank, N.A. and when looking for an experienced bank to start a relationship with, there is no need to look any further. New York Community Bancorp, Inc. is the parent company of Flagstar Bank, N.A., one of the largest regional banks in the country. The Company is headquartered in Hicksville, New York with regional headquarters in Troy, Michigan. At March 31, 2023, the Company had $123.8 billion of assets, $83.3 billion of loans, deposits of $84.8 billion, and total stockholders’ equity of $10.8 billion. Our size and scale allow us to provide a wide range of digital and traditional products and services to consumers, small to mid-size businesses, and commercial clients, while adhering to strict regulatory requirements.
1 Even >More Rewards program applies to the Direct Checking account. Restrictions apply.
2 Currency conversion fee may apply to transactions outside the U.S.
3 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not have fees. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.