Classic Checking

Looking for a FREE* Checking Account without any hidden charges? Our Classic Checking is perfect for you! Only $25 needed to open Only $10 needed to open for students with Student ID   No monthly minimum balance requirements No monthly service charges No per check charges Identity Theft Protection from IDProtect Access your account for free, 24 hours a day by telephone with Call 24 or by personal computer with  First OnLine View and print cancelled checks online with First OnLine Complimentary Visa Check Card, so you can leave your checkbook at home Direct deposit or payroll deduction, so your money is there when you need it Order customized share draft checks, online, in person, or by mail Apply for Cashline overdraft protection, up to $5,000 Share to share overdraft protection available  Receive a monthly statement by mail or by e-statement  *Free from monthly service charges

Choice Checking

Do you want a checking account that earns dividends?  Check out our Choice Checking!

• Earn competitive dividends with an average daily balance of $1,000 or more*
• No monthly service charges with:
  • Direct Deposit or
  • First OnLine Bill Payment Service or
  • $1,000 average daily balance
  • Access your account for free, 24 hours a day by telephone with Call 24  or by personal computer with First OnLine
• Identity Theft Protection from IDProtect
• View and print cancelled checks online with First OnLine
• Complimentary Visa Check Card, so you can leave your checkbook at home
• Direct deposit or payroll deduction, so your money is there when you need it
• Order customized share draft checks, online, in person, or by mail
• Apply for Cashline overdraft protection, up to $5,000
• Share to share overdraft protection available
• Receive a monthly statement by mail or by e-statement
• Only $25 needed to open
• Only $10 needed to open for students with Student ID
• Check out our current rates!  

 *fees may reduce earnings on this account

Visa Check Cards

A Visa Check Card (also known as a Debit Card) lets you do everything an ATM card does, plus pay for purchases directly from your checking account, without writing a check!  With our convenient Visa Check Card you can access your checking account at millions of locations.

• Instant access to your checking, 24 hours a day, 7 days a week!
• Leave your checkbook at home
• No Monthly Service Charge 
• Change your PIN at any  First New York office  
• Free unlimited transactions at First New York ATMs
• No charge for merchant transactions where you sign for the purchase
• Use your Visa Check Card in person, by phone or online, wherever Visa is accepted 
• Accepted at over 18 million locations, worldwide
• Use it surcharge free at any SUM or Allpoint ATM

   

  As a First New York Visa Check Card holder,
  you have access to over 2,000 SUM ATMs, surcharge free.
  Find your nearest surcharge-free SUM ATM.

  

  "Some people pay a surcharge at the ATM, SUM Don't."

   

 As a First New York Visa Check Card holder,
you have access to over 50,000 Allpoint ATMs, surcharge free.
Find your nearest surcharge-free Allpoint ATM.

Apply for a First New York Visa Check Card right now by logging in to  First OnLine.
Click on the Secure Forms button, and then click the link to Visa Check Card Application.

Report a Lost or Stolen Visa Check Card