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Best Banks & Checking Accounts in Brooklyn, New York - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
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.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 6, 2026

The best checking rates for Brooklyn, New York include Apple Bank for SavingsApple Bank for Savings1212 Avenue M, Brooklyn, NY 11230A+5.0 ★Texas Ratio: 1.54% Choice Checking Account at 2.00% APY, Ponce BankPonce Bank2047 86th St, Brooklyn, NY 11214A+5.0 ★Texas Ratio: 3.64% Premium Interest Checking at 0.15% APY, The Berkshire BankThe Berkshire Bank1421 Kings Hwy, Brooklyn, NY 11229A+5.0 ★Texas Ratio: 2.35% NOW Checking at 0.50% APY, Empire State BankEmpire State Bank8701 3rd Ave, Brooklyn, NY 11209A+5.0 ★Texas Ratio: 2.86% Non-Profit Checking Tier 5 at 0.45% APY, and Consumers Federal Credit UnionConsumers Federal Credit Union425 Neptune Ave, Brooklyn, NY 11224 4559A+5.0 ★Texas Ratio: 1.52% Checking Accounts at 0.15% APY. Checking account rates as of May 6, 2026 according to verified data from MonitorBankRates.

Brooklyn has 10 local institutions in our database, with checking rates as high as 2.00% APY from Apple Bank for Savings at 1212 Avenue M, Brooklyn, NY, 11230. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Brooklyn, New York. Checking Account Rates Last Updated and Verified: May 6, 2026

Compare Checking Account Rates Today in Brooklyn, New York & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1212 Avenue M
Brooklyn, NY 11230
Choice Checking Account
2.00%
$100
View
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Non-Profit Business Checking Business
1.73%
$0
View
▼
Rate1.72%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1212 Avenue M
Brooklyn, NY 11230
Simple Checking Account
1.01%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

The Berkshire Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
1421 Kings Hwy
Brooklyn, NY 11229
NOW Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
Non-Profit Checking Tier 5
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

The Berkshire Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
1421 Kings Hwy
Brooklyn, NY 11229
NOW Checking
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
Non-Profit Checking Tier 3
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
Non-Profit Checking Tier 4
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

The Berkshire Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
1421 Kings Hwy
Brooklyn, NY 11229
Super Security Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
VIP Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
Non-Profit Checking Tier 2
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

The Berkshire Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
1421 Kings Hwy
Brooklyn, NY 11229
NOW Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
425 Neptune Ave
Brooklyn, NY 11224 4559
Checking Accounts
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

N/A

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Premium Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

For balance between $1,500 - $50,000. Higher Balances Earn Higher Rates

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
VIP Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Cross County Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
731 Metropolitan Ave
Brooklyn, NY 11211
Preferred Checking
0.10%
$7,500
View
▼
Rate0.10%
Min Deposit$7,500
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Cross River Bank
Institution Rating:
F1.0 ★ Texas Ratio: 85.67%
2365 Nostrand Ave
Brooklyn, NY 11210
I Connect Select Checking/E Connect Select Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Premium Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
Non-Profit Checking Tier 1
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Premium Interest Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $50,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1212 Avenue M
Brooklyn, NY 11230
Choice Checking Account
2.00%
$100
View
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1212 Avenue M
Brooklyn, NY 11230
Simple Checking Account
1.01%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
VIP Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Premium Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

For balance between $1,500 - $50,000. Higher Balances Earn Higher Rates

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
VIP Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Premium Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Premium Interest Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $50,000.00

Northfield Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
24 Hillel Pl
Brooklyn, NY 11210
Premium Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
VIP Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Cross County Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
731 Metropolitan Ave
Brooklyn, NY 11211
Interest Checking
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
50+ Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
50+ Premium Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Direct Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Premium Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $1,500.00

Northfield Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
24 Hillel Pl
Brooklyn, NY 11210
Direct Interest Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Northfield Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
24 Hillel Pl
Brooklyn, NY 11210
Premium Interest Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15000

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
High Rate Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $10,000.00

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
Checking Accounts
6.00%
$20
View
▼
Rate5.84%
Min Deposit$20
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
High Rate Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.71%
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15,000.00

Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $30,000.00

North Country Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
NCSB Premium Rewards Checking-Qualified
1.51%
$25
View
▼
Rate1.50%
Min Deposit$25
Min Balance—
UpdatedMay 5, 2026
Details

Tier 1

Northern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
Choice Rewards Checking
0.26%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15,000.00

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
1212 Avenue M
Brooklyn, NY 11230
Simple Checking Account
1.01%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
Free Personal Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
800 Poly Pl Rm 1110
Brooklyn, NY 11209 7104
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Greene County Commercial Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
FREE e-CHECKING ACCOUNT
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $500.00

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
FREE e-CHECKING ACCOUNT
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $500.00

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.85%
Free Checking (Bonus Checking)
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
e-ACCESS Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

GHS Federal Credit Union
Institution Rating:
D3.2 ★ Texas Ratio: 36.15%
50+ Free Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

GHS Federal Credit Union
Institution Rating:
D3.2 ★ Texas Ratio: 36.15%
VIP Free Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Fulton Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
VIP Free Interest and 50+ Free Interest Checking Accounts
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMay 5, 2026
Details

*

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
Freedom Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Basic Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Free Quality Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Spencerport Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.31%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
Freedom Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Maintain a $100 minimum balance or enroll in direct deposits, and we'll waive the $7 monthly fee.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
Vibe Youth Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Interest is earned on balances up to $1,500.

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Teen Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Youth Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Palisades Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.50%
Youth Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Non-Profit Business Checking Business
1.73%
$0
View
▼
Rate1.72%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2047 86th St
Brooklyn, NY 11214
Business Interest Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Northfield Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
24 Hillel Pl
Brooklyn, NY 11210
Business Interest Checking Business
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
8701 3rd Ave
Brooklyn, NY 11209
Free Business Checking Business
0.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
Business High Rate Checking Business
7.00%
$0
View
▼
Rate6.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $10,000.00

Greene County Commercial Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
FREE e-BUSINESS CHECKING ACCOUNT Business
5.00%
$1
View
▼
Rate4.89%
Min Deposit$1
Min Balance—
UpdatedMay 5, 2026
Details

Qualifying balance up to $500.00

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
FREE e-BUSINESS CHECKING ACCOUNT Business
5.00%
$1
View
▼
Rate4.89%
Min Deposit$1
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $500.00

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
The One Account for Business (Checking) Business
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
NewtekOne Business Checking Business
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
Business Interest Checking Business
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Pathfinder Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
Business Interest Checking Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
Small Business Checking Business
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Customers Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Commercial Interest Checking Plus Business
0.35%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details

Available Online Only. New commercial customers only.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Heritage Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.57%
Business Advance Checking Account Business
0.25%
$0
View
▼
Rate0.12%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.15%
Business High Rate Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $50,000.01 and Greater

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
IOLA Business Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

GHS Federal Credit Union
Institution Rating:
D3.2 ★ Texas Ratio: 36.15%
Premier Yield Business Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Business Ultra Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Business Checking Business
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Brooklyn, NY Checking Rate Trends

Compare local Brooklyn, NY checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full New York Checking Trends →
High-Yield Checking — NY Avg
2.256%
▼ 0.964 vs 7 days ago

New York high-yield checking rates fell 0.964 points over the past 7 days to 2.256% APY.

Free Checking — NY Avg
0.818%
▼ 0.415 vs 7 days ago

New York free checking rates fell 0.415 points over the past 7 days to 0.818% APY.

As of May 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Brooklyn, 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 Brooklyn, 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 Brooklyn, New York earn interest?

Most traditional local checking accounts in Brooklyn, 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 Brooklyn, New York FDIC insured?

Yes. Legitimate banks with branches in Brooklyn, 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 Brooklyn, New York

Based on our current data, some of the highest checking account APYs available to residents of Brooklyn, New York include:
  • Apple Bank for Savings
    Choice Checking Account — 2.00% APY
  • Ponce Bank
    Premium Interest Checking — 0.15% APY
  • The Berkshire Bank
    NOW Checking — 0.50% APY
  • Empire State Bank
    Non-Profit Checking Tier 5 — 0.45% APY
  • Consumers Federal Credit Union
    Checking Accounts — 0.15% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Brooklyn, New York. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 6, 2026

Brooklyn, New York Rates & Resources

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