Best Banks & Checking Accounts in Newburgh, New York - June 2026
Brian McKay
Brian McKay
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The best checking rates for Newburgh, New York include Empire State BankEmpire State Bank356 Meadow Ave, Newburgh, NY 12550A+5.0 ★Texas Ratio: 2.86% Non-Profit Checking Tier 5 at 0.45% APY, Mid-Hudson Valley Federal Credit UnionMid-Hudson Valley Federal Credit Union1433 Route 300, Newburgh, NY 12550A+5.0 ★Texas Ratio: 3.48% Ultra Checking at 0.10% APY, Wallkill Valley Federal S&LWallkill Valley Federal S&L68 N Plank Rd, Newburgh, NY 12550A+5.0 ★Texas Ratio: 3.07% Platinum Checking at 0.15% APY, Ulster Savings BankUlster Savings Bank1208 Route 300, Newburgh, NY 12550A+5.0 ★Texas Ratio: 5.39% Non-Profit Checking at 0.10% APY, and Walden Savings BankWalden Savings Bank5239 Route 9w North, Newburgh, NY 12550A+5.0 ★Texas Ratio: 5.10% Advantage Checking at 0.05% APY. Checking account rates as of June 16, 2026 according to verified data from MonitorBankRates.
Newburgh has 5 local institutions in our database, with checking rates as high as 0.45% APY from Empire State Bank at 356 Meadow Ave, Newburgh, NY, 12550. 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 Newburgh, New York. Checking Account Rates Last Updated and Verified: June 16, 2026
Compare Checking Account Rates Today in Newburgh, New York & the Surrounding Area
Newburgh Checking Account Rates
Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
With At Least $100 Balance
Newburgh, NY 12550
With At Least $100 Balance
Newburgh, NY 12550
With At Least $1000 Balance
Newburgh, NY 12550
With At Least $100 Balance
Newburgh, NY 12550
With At Least $100 Balance
Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh High Yield Checking Rates
Newburgh, NY 12550
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Newburgh, NY 12550
With At Least $100 Balance
Newburgh, NY 12550
With At Least $100 Balance
Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Level 2 on balances up to $15000
Qualifications Required; Tiered balance
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Interest is earned on balances up to $1,500.
Qualifications Required; Qualifying Account Balances
Level 1 on balances up to $15000
Qualifications Required: 15 debit card purchases that post and settle your account; one ACH credit or direct deposit post to your account; enrolled in eStatements; Balances $0 to $25,000 earn 4.00% APY; balances $25,000.01 and above earn 0.20%. APY is accurate as of 02/03/2026. Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000.
Balance: up to $15,000
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $30,000.00
Access to BaZing+ benefits for just $9 a month.
12 transactions or more per month
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Newburgh Rewards Checking Rates
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $30,000.00
Tier 1
Tier 2
All balances if qualifications not met
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Fewer than 12 monthly transactions
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Newburgh Free Checking Rates
Newburgh, NY 12550
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No monthly maintenance fees. No ATM fees - ever! *There is no fee for using your Apple Bank Visa Debit Card to make cash withdrawals at domestic non-Apple Bank ATMs or international ATMs. A 2% surcharge will be applied to foreign transactions. In addition, Apple Bank will reimburse ATM surcharge fees charged by the ATM owner/operator during each statement cycle period. **Annual Percentage Yield (APY) disclosed is effective as of November 21, 2023 and may be changed by the Bank at any time, including after account opening.
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Maintain a $100 minimum balance or enroll in direct deposits, and we'll waive the $7 monthly fee.
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Newburgh Student Checking Rates
Interest is earned on balances up to $1,500.
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Newburgh Business Checking Rates
Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Newburgh, NY 12550
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Qualifications Required; Balance range: $0.01-$10,000.00
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Rates may change at any time without prior notice, before or after the account is opened. No minimum balance to open, but customers must have a balance of $0.01 to earn interest.
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Annual Percentage Yield (APY) is accurate as of 12/10/2021. This is a variable rate account and the interest rate and APY may change after account opening. Balances under $100,000 earn 0.05% APY. Fees may reduce earnings. Available Online Only. New commercial customers only.
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Qualifications Required; Balance range: $50,000.01 and Greater
Balance range: $50,000.01 and Greater
Balance range: $25,000.01-$50,000.00
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Balance range: $10,000.01-$25,000.00
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Newburgh, NY Checking Rate Trends
Compare local Newburgh, 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 0.710 points over the past 7 days to 2.105% APY.
New York free checking rates fell 0.251 points over the past 7 days to 1.239% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Newburgh, 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 Newburgh, 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 Newburgh, 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 Newburgh, New York earn interest?
Are banks in Newburgh, New York FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Newburgh, New York
- Empire State Bank
Non-Profit Checking Tier 5 — 0.45% APY - Mid-Hudson Valley Federal Credit Union
Ultra Checking — 0.10% APY - Wallkill Valley Federal S&L
Platinum Checking — 0.15% APY - Ulster Savings Bank
Non-Profit Checking — 0.10% APY - Walden Savings Bank
Advantage Checking — 0.05% APY
