Best Checking Accounts & Rates in New York - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best checking rates for New York include Baxter Credit UnionBaxter Credit Union300 Crosspoint Pkwy, Getzville, NY 14068 1606A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, Sunmark Credit UnionSunmark Credit Union1616 Broadway, Schenectady, NY 12306A5.0 ★Texas Ratio: 11.71% at 6.00% APY, AmeriCU Credit UnionAmeriCU Credit Union1916 Black River Blvd N, Rome, NY 13440 2430A-4.9 ★Texas Ratio: 16.15% High Rate Checking (Qualifications Met)** at 6.00% APY, Hanover Community BankHanover Community Bank109 Bowery, New York, NY 10002A5.0 ★Texas Ratio: 7.19% Max Cash Back Checking at 5.00% APY, and Heritage Financial Credit UnionHeritage Financial Credit Union25 Rykowski Ln, Middletown, NY 10941 4019A5.0 ★Texas Ratio: 11.57% Heritage High Yield Checking at 5.00% APY.
Looking for the best checking accounts in New York? You have two main choices: convenient local branches or high-yield online accounts.
The tables below compare the top rates available to residents of New York, featuring both local banks and credit unions near you.
Checking account rates reflect recent market quotes and representative offers available to depositors in New York. Checking Account Rates Last Updated and Verified: March 20, 2026
New York Checking Rate Trends
Compare local New York checking rate quotes against the statewide average
Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Checking — NY Avg
1.212%
▲ 0.962 from last week
New York high-yield checking rates rose 0.962 points this week to 1.212% APY, up from 0.250% last week.
Rewards Checking — NY Avg
3.364%
▲ 1.920 from last week
New York rewards checking rates rose 1.920 points this week to 3.364% APY, up from 1.444% last week.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Checking Account Rates Today in New York
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Getzville, NY 14068 1606
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint PkwyGetzville, NY 14068 1606
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $15000
Sunmark Credit Union
Schenectady, NY 12306
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 BroadwaySchenectady, NY 12306
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $15,000.00
Sunmark Credit Union
Schenectady, NY 12306
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 BroadwaySchenectady, NY 12306
Checking Accounts
6.00%
$20
▼
Rate5.84%
Min Deposit$20
Min Balance—
UpdatedMar 15, 2026
Details
No additional details provided.
AmeriCU Credit Union
Rome, NY 13440 2430
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
1916 Black River Blvd NRome, NY 13440 2430
High Rate Checking (Qualifications Met)**
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $10,000.00
Hanover Community Bank
New York, NY 10002
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 BoweryNew York, NY 10002
Max Cash Back Checking
5.00%
$25
▼
Rate5.00%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details
Qualifications Required; Qualifying balance up to $200.00
Heritage Financial Credit Union
Middletown, NY 10941 4019
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
25 Rykowski LnMiddletown, NY 10941 4019
Heritage High Yield Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $25,000.00
Heritage Financial Credit Union
Middletown, NY 10941 4019
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
25 Rykowski LnMiddletown, NY 10941 4019
Heritage Cash Back Checking
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifications Required: qualifications are met; Earn Cash Back on up to $500 in Debit Card Purchases
Jovia Federal Credit Union
Valley Stream, NY 11580 6034
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
264 E Merrick RdValley Stream, NY 11580 6034
Go Green Checking1
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $25,000.00
Nassau Financial Federal Credit Union
Garden City, NY 11530
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
736 Franklin AveGarden City, NY 11530
Vibe Youth Checking
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $1,500
NEXT STEP
Albany, NY 12205 5581
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Washington Avenue ExtAlbany, NY 12205 5581
Kasasa Cash Back Checking
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
On up to $300 in purchases every month
Bank of Greene County
Catskill, NY 12414
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
425 Main StCatskill, NY 12414
FREE e-CHECKING ACCOUNT
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $500.00
Peoples Security Bank
Conklin, NY 13748
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1026 Conklin RdConklin, NY 13748
MaxEarnings Checking
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $10,000.00
Greene County Commercial Bank
Catskill, NY 12414
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
425 Main StCatskill, NY 12414
FREE e-CHECKING ACCOUNT
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $500.00
Rhinebeck Bank
Rhinebeck, NY 12572
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
6414 Montgomery StRhinebeck, NY 12572
High Interest Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Qualifying balance up to $10,000.00
Together Credit Union
Baldwinsville, NY 13027 2706
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium RdBaldwinsville, NY 13027 2706
High Interest Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00
Dannemora Federal Credit Union
Plattsburgh, NY 12901
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
344 Tom Miller RdPlattsburgh, NY 12901
4.00%
$10
▼
Rate3.96%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $25,000.00
Dannemora Federal Credit Union
Plattsburgh, NY 12901
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
344 Tom Miller RdPlattsburgh, NY 12901
Free Kasasa Cash Checking
4.00%
$10
▼
Rate3.96%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $25,000.00
Baxter Credit Union
Getzville, NY 14068 1606
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint PkwyGetzville, NY 14068 1606
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $15000
Solvay Bank
Solvay, NY 13209
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton AveSolvay, NY 13209
High Interest Checking Special
4.00%
$15
▼
Rate3.93%
Min Deposit$15
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $15,000.00
Pathfinder Bank
East Syracuse, NY 13057
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center RdEast Syracuse, NY 13057
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $30,000.00
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Getzville, NY 14068 1606
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint PkwyGetzville, NY 14068 1606
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $15000
Sunmark Credit Union
Schenectady, NY 12306
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 BroadwaySchenectady, NY 12306
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $15,000.00
Sunmark Credit Union
Schenectady, NY 12306
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 BroadwaySchenectady, NY 12306
Checking Accounts
6.00%
$20
▼
Rate5.84%
Min Deposit$20
Min Balance—
UpdatedMar 15, 2026
Details
No additional details provided.
AmeriCU Credit Union
Rome, NY 13440 2430
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
1916 Black River Blvd NRome, NY 13440 2430
High Rate Checking (Qualifications Met)**
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $10,000.00
Nassau Financial Federal Credit Union
Garden City, NY 11530
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
736 Franklin AveGarden City, NY 11530
Vibe Youth Checking
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $1,500
Jovia Federal Credit Union
Valley Stream, NY 11580 6034
Institution Rating:
A5.0 ★ Texas Ratio: 10.24%
264 E Merrick RdValley Stream, NY 11580 6034
Go Green Checking1
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $25,000.00
Heritage Financial Credit Union
Middletown, NY 10941 4019
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
25 Rykowski LnMiddletown, NY 10941 4019
Heritage Cash Back Checking
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifications Required: qualifications are met; Earn Cash Back on up to $500 in Debit Card Purchases
Heritage Financial Credit Union
Middletown, NY 10941 4019
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
25 Rykowski LnMiddletown, NY 10941 4019
Heritage High Yield Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $25,000.00
Hanover Community Bank
New York, NY 10002
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 BoweryNew York, NY 10002
Max Cash Back Checking
5.00%
$25
▼
Rate5.00%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details
Qualifications Required; Qualifying balance up to $200.00
NEXT STEP
Albany, NY 12205 5581
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Washington Avenue ExtAlbany, NY 12205 5581
Kasasa Cash Back Checking
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
On up to $300 in purchases every month
Rhinebeck Bank
Rhinebeck, NY 12572
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
6414 Montgomery StRhinebeck, NY 12572
High Interest Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details
Qualifying balance up to $10,000.00
Bank of Greene County
Catskill, NY 12414
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
425 Main StCatskill, NY 12414
FREE e-CHECKING ACCOUNT
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $500.00
Peoples Security Bank
Conklin, NY 13748
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1026 Conklin RdConklin, NY 13748
MaxEarnings Checking
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $10,000.00
Greene County Commercial Bank
Catskill, NY 12414
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
425 Main StCatskill, NY 12414
FREE e-CHECKING ACCOUNT
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $500.00
Together Credit Union
Baldwinsville, NY 13027 2706
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2885 Belgium RdBaldwinsville, NY 13027 2706
High Interest Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00
Dannemora Federal Credit Union
Plattsburgh, NY 12901
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
344 Tom Miller RdPlattsburgh, NY 12901
Free Kasasa Cash Checking
4.00%
$10
▼
Rate3.96%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $25,000.00
Baxter Credit Union
Getzville, NY 14068 1606
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint PkwyGetzville, NY 14068 1606
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $15000
Pathfinder Bank
East Syracuse, NY 13057
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center RdEast Syracuse, NY 13057
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $30,000.00
Solvay Bank
Solvay, NY 13209
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
1537 Milton AveSolvay, NY 13209
High Interest Checking Special
4.00%
$15
▼
Rate3.93%
Min Deposit$15
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $15,000.00
Dannemora Federal Credit Union
Plattsburgh, NY 12901
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
344 Tom Miller RdPlattsburgh, NY 12901
4.00%
$10
▼
Rate3.96%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $25,000.00
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sunmark Credit Union
Schenectady, NY 12306
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
1616 BroadwaySchenectady, NY 12306
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $15,000.00
NEXT STEP
Albany, NY 12205 5581
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Washington Avenue ExtAlbany, NY 12205 5581
Kasasa Cash Back Checking
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
On up to $300 in purchases every month
Hanover Community Bank
New York, NY 10002
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
109 BoweryNew York, NY 10002
Max Cash Back Checking
5.00%
$25
▼
Rate5.00%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details
Qualifications Required; Qualifying balance up to $200.00
Heritage Financial Credit Union
Middletown, NY 10941 4019
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
25 Rykowski LnMiddletown, NY 10941 4019
Heritage Cash Back Checking
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifications Required: qualifications are met; Earn Cash Back on up to $500 in Debit Card Purchases
Pathfinder Bank
East Syracuse, NY 13057
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center RdEast Syracuse, NY 13057
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $30,000.00
Dannemora Federal Credit Union
Plattsburgh, NY 12901
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
344 Tom Miller RdPlattsburgh, NY 12901
Free Kasasa Cash Checking
4.00%
$10
▼
Rate3.96%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $25,000.00
Dannemora Federal Credit Union
Plattsburgh, NY 12901
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
344 Tom Miller RdPlattsburgh, NY 12901
4.00%
$10
▼
Rate3.96%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $25,000.00
Maple City Savings Bank
Hornell, NY 14843
Institution Rating:
A+5.0 ★ Texas Ratio: 5.64%
145 Main StHornell, NY 14843
Free Thrive Cash Back Checking
3.50%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Cash Back on everyday debit card purchases.
North Country Savings Bank
Canton, NY 13617
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
127 Main StCanton, NY 13617
NCSB Premium Rewards Checking-Qualified
1.51%
$25
▼
Rate1.50%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
Tier 1
Morgan Stanley E-Trade
Purchase, NY 10577
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
2000 Westchester AvePurchase, NY 10577
American Express Rewards Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
No additional details provided.
BCB Community Bank
Hicksville, NY 11801
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
70 BroadwayHicksville, NY 11801
Rewards Plus Checking
0.35%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details
No additional details provided.
BCB Community Bank
Hicksville, NY 11801
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
70 BroadwayHicksville, NY 11801
Rewards Checking
0.25%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
No additional details provided.
Family First Of NY Federal Credit Union
Rochester, NY 14625
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
2520 Browncroft BlvdRochester, NY 14625
Debit Reward$ Checking
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Earns 1.00% cash back on transactions!
AmeriCU Credit Union
Rome, NY 13440 2430
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
1916 Black River Blvd NRome, NY 13440 2430
Rewards Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
No additional details provided.
Palisades Federal Credit Union
Pearl River, NY 10965 3104
Institution Rating:
A5.0 ★ Texas Ratio: 8.50%
1 Blue Hill PlzPearl River, NY 10965 3104
Rewards Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank of Greene County
Catskill, NY 12414
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
425 Main StCatskill, NY 12414
FREE e-CHECKING ACCOUNT
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $500.00
Greene County Commercial Bank
Catskill, NY 12414
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
425 Main StCatskill, NY 12414
FREE e-CHECKING ACCOUNT
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $500.00
Dannemora Federal Credit Union
Plattsburgh, NY 12901
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
344 Tom Miller RdPlattsburgh, NY 12901
4.00%
$10
▼
Rate3.96%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $25,000.00
Dannemora Federal Credit Union
Plattsburgh, NY 12901
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
344 Tom Miller RdPlattsburgh, NY 12901
Free Kasasa Cash Checking
4.00%
$10
▼
Rate3.96%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $25,000.00
Maple City Savings Bank
Hornell, NY 14843
Institution Rating:
A+5.0 ★ Texas Ratio: 5.64%
145 Main StHornell, NY 14843
Free Thrive Cash Back Checking
3.50%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Cash Back on everyday debit card purchases.
Apple Bank for Savings
Bronx, NY 10461
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
12 Westchester SqBronx, NY 10461
Simple Checking Account
1.01%
$100
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details
No additional details provided.
FourLeaf Federal Credit Union
Bay Shore, NY 11706 8505
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
591 E Main StBay Shore, NY 11706 8505
Free Checking (Bonus Checking)
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
No additional details provided.
Access Federal Credit Union
Sherrill, NY 13461
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
390 W Seneca StSherrill, NY 13461
e-ACCESS Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
No additional details provided.
GHS Federal Credit Union
Binghamton, NY 13905 1337
Institution Rating:
D3.2 ★ Texas Ratio: 36.15%
910 Upper Front StBinghamton, NY 13905 1337
50+ Free Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No additional details provided.
GHS Federal Credit Union
Binghamton, NY 13905 1337
Institution Rating:
D3.2 ★ Texas Ratio: 36.15%
910 Upper Front StBinghamton, NY 13905 1337
VIP Free Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No additional details provided.
Fulton Savings Bank
Fulton, NY 13069
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
75 S 1st StFulton, NY 13069
VIP Free Interest and 50+ Free Interest Checking Accounts
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
*
Carthage Savings and Loan
Carthage, NY 13619
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
313 State StCarthage, NY 13619
VIP Free Interest Checking
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details
With Rewards
Carthage Savings and Loan
Carthage, NY 13619
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
313 State StCarthage, NY 13619
50+ Free Interest Checking
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details
With Rewards
Genesee Valley Federal Credit Union
Geneseo, NY 14454
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
4621 Millennium DrGeneseo, NY 14454
Free Quality Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No additional details provided.
Heritage Family Federal Credit Union
Hoosick Falls, NY 12090
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
28 Church StHoosick Falls, NY 12090
Basic Checking Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No additional details provided.
Spencerport Federal Credit Union
Spencerport, NY 14559
Institution Rating:
A5.0 ★ Texas Ratio: 10.31%
2775 Spencerport rdSpencerport, NY 14559
Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
No additional details provided.
AmeriCU Credit Union
Rome, NY 13440 2430
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
1916 Black River Blvd NRome, NY 13440 2430
Freedom Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
No additional details provided.
TrustCo Bank
Albany, NY 12207
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State StAlbany, NY 12207
Home Town Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
No additional details provided.
Empire State Bank
Staten Island, NY 10314
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1441 South AveStaten Island, NY 10314
Free Personal Checking
0.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details
No additional details provided.
ADVANTAGE FINANCIAL
Brooklyn, NY 11209 7104
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110Brooklyn, NY 11209 7104
Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
No additional details provided.
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Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Nassau Financial Federal Credit Union
Garden City, NY 11530
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
736 Franklin AveGarden City, NY 11530
Vibe Youth Checking
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $1,500
Island Federal Credit Union
Hauppauge, NY 11788 5152
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
120 Motor PkwyHauppauge, NY 11788 5152
Teen Checking
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $500.00
Hudson Valley Credit Union
Poughkeepsie, NY 12601 5585
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2373 South RdPoughkeepsie, NY 12601 5585
Teen Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No additional details provided.
TrustCo Bank
Albany, NY 12207
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
112 State StAlbany, NY 12207
Home Town Student Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
No additional details provided.
Genesee Valley Federal Credit Union
Geneseo, NY 14454
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
4621 Millennium DrGeneseo, NY 14454
Youth Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No additional details provided.
Palisades Federal Credit Union
Pearl River, NY 10965 3104
Institution Rating:
A5.0 ★ Texas Ratio: 8.50%
1 Blue Hill PlzPearl River, NY 10965 3104
Youth Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
AmeriCU Credit Union
Rome, NY 13440 2430
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
1916 Black River Blvd NRome, NY 13440 2430
Business High Rate Checking
7.00%
$0
▼
Rate6.20%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $10,000.00
Greene County Commercial Bank
Catskill, NY 12414
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
425 Main StCatskill, NY 12414
FREE e-BUSINESS CHECKING ACCOUNT
5.00%
$1
▼
Rate4.89%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $500.00
Peoples Security Bank
Conklin, NY 13748
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1026 Conklin RdConklin, NY 13748
Micro Business MaxEarnings Checking
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $5,000.00
Bank of Greene County
Catskill, NY 12414
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
425 Main StCatskill, NY 12414
FREE e-BUSINESS CHECKING ACCOUNT
5.00%
$1
▼
Rate4.89%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details
Qualifying balance up to $500.00
Patriot Bank N.A.
Scarsdale, NY 10583
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
495 Central Park AveScarsdale, NY 10583
The One Account for Business (Checking)
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
No additional details provided.
Ponce Bank
Bronx, NY 10462
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2244 Westchester AveBronx, NY 10462
Non-Profit Business Checking
1.73%
$0
▼
Rate1.72%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
No additional details provided.
Newtek Bank
Flushing, NY 11354
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
13629 38th AveFlushing, NY 11354
NewtekOne Business Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No additional details provided.
Citizens & Northern Bank C&N
Hornell, NY 14843
Institution Rating:
A5.0 ★ Texas Ratio: 6.93%
6250 County Route 64Hornell, NY 14843
Business Interest Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
No additional details provided.
Greylock Federal Credit Union
Hudson, NY 12534
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
464 Fairview AveHudson, NY 12534
High Yield Business Checking
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No additional details provided.
Citizens & Northern Bank C&N
Hornell, NY 14843
Institution Rating:
A5.0 ★ Texas Ratio: 6.93%
6250 County Route 64Hornell, NY 14843
Business Interest Checking
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
No additional details provided.
Pathfinder Bank
East Syracuse, NY 13057
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
6611 Manlius Center RdEast Syracuse, NY 13057
Business Interest Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
No additional details provided.
Island Federal Credit Union
Hauppauge, NY 11788 5152
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
120 Motor PkwyHauppauge, NY 11788 5152
Business Premier Checking
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Tier 4; + $250,000
Greylock Federal Credit Union
Hudson, NY 12534
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
464 Fairview AveHudson, NY 12534
High Yield Business Checking
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
No additional details provided.
Citizens & Northern Bank C&N
Hornell, NY 14843
Institution Rating:
A5.0 ★ Texas Ratio: 6.93%
6250 County Route 64Hornell, NY 14843
Business Interest Checking
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
No additional details provided.
Island Federal Credit Union
Hauppauge, NY 11788 5152
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
120 Motor PkwyHauppauge, NY 11788 5152
Business Premier Checking
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Tier 3; $100,000 - $249,999
Greylock Federal Credit Union
Hudson, NY 12534
Institution Rating:
A5.0 ★ Texas Ratio: 10.17%
464 Fairview AveHudson, NY 12534
High Yield Business Checking
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $49,999.00
Customers Bank
Rye Brook, NY 10573
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
102 S Ridge StRye Brook, NY 10573
Commercial Interest Checking Plus
0.35%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details
Available Online Only. New commercial customers only.
Citizens & Northern Bank C&N
Hornell, NY 14843
Institution Rating:
A5.0 ★ Texas Ratio: 6.93%
6250 County Route 64Hornell, NY 14843
Business Interest Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
No additional details provided.
Heritage Financial Credit Union
Middletown, NY 10941 4019
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
25 Rykowski LnMiddletown, NY 10941 4019
Business Advance Checking Account
0.25%
$0
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
No additional details provided.
Baxter Credit Union
Getzville, NY 14068 1606
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
300 Crosspoint PkwyGetzville, NY 14068 1606
Premier Business Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
No additional details provided.
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Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for New York directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in New York. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in NY.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in New York earn interest?
Most traditional local checking accounts in New York earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.
Are banks in New York FDIC insured?
Yes. Legitimate banks with branches in New York are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.
What fees should I watch out for?
Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.
What is a Rewards Checking account?
Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.
Best Checking Rates in New York
Based on our current data, some of the highest checking account APYs available to residents of New York include:
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - Sunmark Credit Union
— 6.00% APY - AmeriCU Credit Union
High Rate Checking (Qualifications Met)** — 6.00% APY - Hanover Community Bank
Max Cash Back Checking — 5.00% APY - Heritage Financial Credit Union
Heritage High Yield Checking — 5.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in New York. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 20, 2026
Checking Account Rates by City in New York
