Classic Checking

Looking for a Checking Account without any hidden charges?
Our Classic Checking is perfect for you!

  • Only $25 needed to open (reduced to $10 for students with Student ID)
  • No monthly minimum balance requirements
  • No monthly service charges
  • No per check charges
  • Identity Theft Protection from IDProtect available
  • 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 debit 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
 

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 available
  • View and print cancelled checks online with First OnLine
  • Complimentary Visa debit 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 (reduced to $10 for students with valid Student ID)

Annual Percentage Yields valid as of September 1, 2018

Earn dividends if average daily balance is greater than $1,000. Dividends are compounded monthly.  No monthly service charge with Direct Deposit, First OnLine Bill Payment Service, or if you maintain a $1,000 average daily balance. $25 minimum to open; $10 for students with valid student ID. * Fees may reduce earnings on this account.

Visa Debit Cards

A Visa debit card lets you do everything an ATM card does, plus pay for purchases directly from your checking account, without writing a check!  You can access your checking account at millions of locations.

  • Receive your Visa debit card instantly at any branch when you open a checking account or need a replacement card
  • 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 branch ATM
  • Free unlimited transactions at First New York ATMs
  • Use your Visa debit 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 CO-OP ATM
  • Monitor your account activitiy with Visa Purchase Alerts

As a First New York Visa Debit 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 Debit Card holder,
you have access to nearly 30,000 CO-OP ATMs, surcharge free.
Find your nearest surcharge-free CO-OP ATM.

Purchase Rewards

Get Rewarded for Everyday Purchases. Put your First New York Visa® debit card to work for you with Purchase Rewards! Purchase Rewards is a virtual rebate program that allows you to earn cash by shopping retailers you already know and love.

Forget about clipping coupons, discount cards or special promotion codes. Everything you need to save money on the stuff you already buy is right here where you manage your money. Just use your debit card at participating retailers, and you will receive offers in First OnLine and Mobile Banking for cash back rewards that are deposited directly into your checking account.

When you make a purchase in a specific category, Purchase Rewards serves up special offers you might be interested in. And if you decide to take advantage of them, you can earn cash back! Purchase Rewards within Online Banking is a free, cash back rewards program. Simply add offers to your debit card and shop with your card at participating merchants.

Here’s how it works:

  • Log in to First OnLine or Mobile Banking to see your offers
  • Click the offers to add them to your First New York Visa debit card
  • Shop with your card to redeem your selected offers
  • Enjoy cash back at the end of the next month

There’s no obligation, no limit to the number of offers you will receive, and no cost to earn your rewards. Sound too good to be true? It’s not. Just try Purchase Rewards out for yourself. If you need any assistance, please contact a Member Service Specialist at (518) 393-1326 and press 2.

Report a Lost or Stolen Visa Debit Card