Best Banks & Checking Accounts in New York, New York - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for New York, New York include Apple Bank for SavingsApple Bank for Savings10 Downing St, New York, NY 10014A+5.0 ★Texas Ratio: 1.54% Choice Checking at 3.55% APY, United Nations Federal Credit UnionUnited Nations Federal Credit Union2 United Nations Plz Fl 3, New York, NY 10017A+5.0 ★Texas Ratio: 2.92% Checking: Premium rate at 1.75% APY, Generations United Federal Credit UnionGenerations United Federal Credit Union420 Lexington Ave Rm 850, New York, NY 10170 0033A+5.0 ★Texas Ratio: 0.06% Member Checking at 1.00% APY, The Berkshire BankThe Berkshire Bank4 E 39th St, New York, NY 10016A+5.0 ★Texas Ratio: 2.35% NOW Checking at 0.50% APY, and FourLeaf Federal Credit UnionFourLeaf Federal Credit Union111 W 26th St, New York, NY 10001 6802A-4.9 ★Texas Ratio: 15.93% Free Checking (Bonus Checking) at 0.40% APY. Checking account rates as of June 11, 2026 according to verified data from MonitorBankRates.
New York has 13 local institutions in our database, with checking rates as high as 3.55% APY from Apple Bank for Savings at 10 Downing St, New York, NY, 10014. 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 New York, New York. Checking Account Rates Last Updated and Verified: June 11, 2026
Compare Checking Account Rates Today in New York, New York & the Surrounding Area
New York Checking Account Rates
New York, NY 10014
Preferred
New York, NY 10014
No additional details provided.
New York, NY 10014
No additional details provided.
New York, NY 10017
Qualifying balance up to $25,000.00
New York, NY 10014
Online Only
New York, NY 10170 0033
As High As
New York, NY 10016
No additional details provided.
New York, NY 10016
No additional details provided.
New York, NY 10001 6802
No additional details provided.
New York, NY 10038
No additional details provided.
New York, NY 10026
Minimum Average Daily Balance to Earn APY: $500
New York, NY 10016
No additional details provided.
New York, NY 10016
No additional details provided.
New York, NY 10038
Minimum Opening Deposit is $1,000. The minimum average daily balance listed above is required to earn interest.
New York, NY 10029
$7 monthly charge if balance falls below $1,500 any day in the statement cycle
New York, NY 10007 1823
No additional details provided.
New York, NY 10010 5011
Sub-Accounts 015-016
New York, NY 10001 6802
No additional details provided.
New York, NY 10017
No additional details provided.
New York, NY 10029
Monthly Service Charge: $0
New York High Yield Checking Rates
New York, NY 10014
Preferred
New York, NY 10014
No additional details provided.
New York, NY 10014
No additional details provided.
New York, NY 10017
Qualifying balance up to $25,000.00
New York, NY 10014
Online Only
New York, NY 10170 0033
As High As
New York, NY 10026
Minimum Average Daily Balance to Earn APY: $500
New York, NY 10029
$7 monthly charge if balance falls below $1,500 any day in the statement cycle
New York, NY 10029
Monthly Service Charge: $0
New York, NY 10029
Monthly Service Charge: $10 If minimum balance falls below $500
Level 2 on balances up to $15000
No additional details provided.
Qualifying balance up to $15,000.00
Qualifications Required; Tiered balance
Qualifying balance up to $25,000.00
No additional details provided.
Level 1 on balances up to $15000
Qualifying balance up to $15,000.00
12 transactions or more per month
No additional details provided.
New York Rewards Checking Rates
Qualifying balance up to $15,000.00
Tier 1
No additional details provided.
Tier 2
No additional details provided.
Qualifications Required: 12 transactions or more per month; Earn 3.00% APY on account balances from $0.01 to $15,000.00 when you have at least 12 transactions post and clear during a calendar month. Earn 0.03% on all account balances over $15,000.00.
No additional details provided.
No additional details provided.
New York Free Checking Rates
New York, NY 10014
Online Only
New York, NY 10001 6802
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
New York Student Checking Rates
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
New York Business Checking Rates
New York, NY 10001 6802
No additional details provided.
Qualifications Required; Balance range: $0.01-$10,000.00
No additional details provided.
No additional details provided.
Interest Income Benefit $7,500; Yearly Fee Savings $2,520.00
No additional details provided.
No additional details provided.
Balances under $100,000 earn 0.05% APY. Fees may reduce earnings. Available Online Only. New commercial customers only.
No additional details provided.
No additional details provided.
Qualifications Required; Balance range: $50,000.01 and Greater
Balance range: $50,000.01 and Greater
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Balance range: $25,000.01-$50,000.00
No additional details provided.
No additional details provided.
No additional details provided.
New York, NY Checking Rate Trends
Compare local New York, 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.
New York high-yield checking rates fell 0.113 points over the past 7 days to 2.815% APY.
New York free checking rates rose 0.093 points over the past 7 days to 1.490% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New York, New York checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for New York, 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 sourcing this data 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, 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, New York earn interest?
Are banks in New York, New York FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in New York, New York
- Apple Bank for Savings
Choice Checking — 3.55% APY - United Nations Federal Credit Union
Checking: Premium rate — 1.75% APY - Generations United Federal Credit Union
Member Checking — 1.00% APY - The Berkshire Bank
NOW Checking — 0.50% APY - FourLeaf Federal Credit Union
Free Checking (Bonus Checking) — 0.40% APY
