Best Banks & Checking Accounts in Trends, New York - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Trends, New York include Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking at 8.00% APY, Sunmark Credit UnionSunmark Credit UnionA5.0 ★Texas Ratio: 10.99% Checking Accounts at 6.00% APY, Hanover Community BankHanover Community BankA5.0 ★Texas Ratio: 7.19% Max Cash Checking at 5.50% APY, Affinity Federal Credit UnionAffinity Federal Credit UnionA5.0 ★Texas Ratio: 9.10% High-Yield Checking Account at 5.50% APY, and Greene County Commercial BankGreene County Commercial BankA+5.0 ★Texas Ratio: 0.00% FREE e-BUSINESS CHECKING ACCOUNT at 5.00% APY. Checking account rates as of August 28, 2026 according to verified data from MonitorBankRates.
Trends is a smaller community with no bank or credit union branches currently in our database. 46 institutions serving the New York area are available to Trends residents, with checking rates as high as 8.00% APY from Baxter Credit Union. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Trends, New York. Checking Account Rates Last Updated and Verified: August 28, 2026
Compare Checking Account Rates Today in Trends, New York & the Surrounding Area
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
No additional details provided.
up to $15,000; Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required: At least 12 debit card purchases; At least 1 direct deposit or ACH transaction(s); Be enrolled in and agree to receive eStatements; Be enrolled in and log into online banking or mobile banking; Refunds on ATM withdrawal fees nationwide, (up to $25 monthly) when qualifications are met*. Link to Max Saver to build savings automatically. No monthly maintenance fee. No minimum balance to earn rewards.
Qualifications Required: 12 PIN or signature debit card purchases; at least one Direct Deposit or ACH deposit of $250 or more; enrolled in electronic statements; APY is effective as of 8/24/2026. Dividends paid on balances up to $15,000. A dividend rate and APY of 0.50% will be paid only on the portion of your daily balance that is greater than $15,000. The APY for this tier will range from 5.50% to 0.80%, depending on the balance in the account. If qualifying criteria are not met, the dividend rate and APY of 0.05% will be paid on the entire balance of the account. ATM withdrawal fees incurred during a cycle will also be refunded, up to $25.
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Qualifications Required: Monthly Qualifications; Blended APY Range Based on Monthly Qualifications; Qualifying balance up to $25,000.00
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Balances ? $25,000.00
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Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; APY is variable and may change after account is opened. APY is calculated on average daily balance. For balances up to $15,000.00.
Qualifications Required: At least 12 debit card purchases; At least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; Be enrolled in and agree to receive eStatements; Blended APY Range of 4.00%-1.31% is an example of rates for account balances up to $130,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days; actual blended APY on statements may vary based on total account balance. ATM withdrawal fees are not refunded when qualifications are not met. Reimbursements up to an aggregate total of $25.00 (up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.
Qualifications Required: Qualifications Required; Qualifying balance up to $30,000.00; All balances if qualifications not met: 0.05% Rate, 0.05% APY
Qualifications Required: At least one (1) ACH credit or ACH payment transaction(s); at least twelve (12) debit card purchases; enrolled in and agreed to receive e-statements
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
No additional details provided.
up to $15,000; Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required: At least 12 debit card purchases; At least 1 direct deposit or ACH transaction(s); Be enrolled in and agree to receive eStatements; Be enrolled in and log into online banking or mobile banking; Refunds on ATM withdrawal fees nationwide, (up to $25 monthly) when qualifications are met*. Link to Max Saver to build savings automatically. No monthly maintenance fee. No minimum balance to earn rewards.
Qualifications Required: 12 PIN or signature debit card purchases; at least one Direct Deposit or ACH deposit of $250 or more; enrolled in electronic statements; APY is effective as of 8/24/2026. Dividends paid on balances up to $15,000. A dividend rate and APY of 0.50% will be paid only on the portion of your daily balance that is greater than $15,000. The APY for this tier will range from 5.50% to 0.80%, depending on the balance in the account. If qualifying criteria are not met, the dividend rate and APY of 0.05% will be paid on the entire balance of the account. ATM withdrawal fees incurred during a cycle will also be refunded, up to $25.
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No additional details provided.
Qualifications Required: Monthly Qualifications; Blended APY Range Based on Monthly Qualifications; Qualifying balance up to $25,000.00
No additional details provided.
Balances ? $25,000.00
No additional details provided.
Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; APY is variable and may change after account is opened. APY is calculated on average daily balance. For balances up to $15,000.00.
Qualifications Required: At least 12 debit card purchases; At least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; Be enrolled in and agree to receive eStatements; Blended APY Range of 4.00%-1.31% is an example of rates for account balances up to $130,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days; actual blended APY on statements may vary based on total account balance. ATM withdrawal fees are not refunded when qualifications are not met. Reimbursements up to an aggregate total of $25.00 (up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.
Qualifications Required: Qualifications Required; Qualifying balance up to $30,000.00; All balances if qualifications not met: 0.05% Rate, 0.05% APY
Qualifications Required: At least one (1) ACH credit or ACH payment transaction(s); at least twelve (12) debit card purchases; enrolled in and agreed to receive e-statements
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
Introductory APY 8.00% Introductory Dividend Rate 7.72%
balances up to $15,000; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%
up to $15,000; Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required: At least 12 debit card purchases; At least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; Be enrolled in and agree to receive eStatements; Blended APY Range of 4.00%-1.31% is an example of rates for account balances up to $130,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days; actual blended APY on statements may vary based on total account balance. ATM withdrawal fees are not refunded when qualifications are not met. Reimbursements up to an aggregate total of $25.00 (up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.
Qualifications Required: Qualifications Required; Qualifying balance up to $30,000.00; All balances if qualifications not met: 0.05% Rate, 0.05% APY
Qualifications Required: At least one (1) ACH credit or ACH payment transaction(s); at least twelve (12) debit card purchases; enrolled in and agreed to receive e-statements
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
Qualifications Required: 15 debit card purchases; Be enrolled in and log into online banking; Be enrolled in and have agreed to receive e-statements rather than paper statements; Maintain a valid email address on record with credit union
Qualifications Required: 12 debit card purchases; e-statements enrollment; online banking enrollment/login; 12 transactions or more per month
Tier 1
Tier: $30,001 and over
Qualifications Required: 15 debit card purchases; Be enrolled in and log into online banking; Be enrolled in and have agreed to receive e-statements rather than paper statements; Maintain a valid email address on record with credit union
$20.00 monthly fee if balance falls below $10,000.00. Free (Initial order) check printing. Unlimited check writing. Monthly Image Statements, BCB Debit Card, 24 Hr Bank by Phone, Mobile/Online Banking, Online Bill Pay. On daily balances over $500.00. 18+ to apply.
*Earn .26% APY on all balances up to $15,000. These rates are blended for balances over $15,000. For example, if a member has $20,000 in checking they would receive dividends at the .26% APY rate on the first $15,000 in funds, and then dividends at the blended .15% - .26% APY rate on the next $5,000 in funds. Rates may change after the account is opened. Fees may reduce earnings. No minimum balance is required to earn rewards. Qualifying transactions must post and clear to the account during the monthly qualification cycle which is each calendar month, from the first day through the last day. Rewards will be deposited on the evening of the last day of each month. Intra-bank transfers do not count as qualifying transactions. Limit one Choice Rewards Checking account per social security number. Rates accurate as of January 31, 2025.
$10.00 monthly fee if balance falls below $1000.00. Free (Initial order) check printing. Unlimited check writing. Monthly Image Statements, BCB Debit Card, 24 Hr Bank by Phone, Mobile/Online Banking, Online Bill Pay. On daily balances over $500.00. 18+ to apply.
Qualifications Required: Direct deposit via ACH; 4 to 6 qualifying banking transactions; Introductory Period: First 3 statement cycles. APYs stated herein are accurate as of 2/10/2025. Balances greater than $250,000 are not eligible to earn interest or rewards. A $20 monthly maintenance fee will be assessed if the average balance in the Account falls below $10,000 during a statement cycle.
balance over $15,000
Balance to Earn the Stated APY: Over $10,000
Tier 2
All balances if qualifications not met
Automatically earn 0.05% Annual Percentage Yield (APY) on all account balances. Elite rates and yields are reserved for GRB Elite Banking customers only. Rates are variable. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening.
No additional details provided.
No additional details provided.
Qualifications Required: At least 12 debit card purchases; At least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction; Be enrolled in and agree to receive eStatements; Blended APY Range of 4.00%-1.31% is an example of rates for account balances up to $130,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days; actual blended APY on statements may vary based on total account balance. ATM withdrawal fees are not refunded when qualifications are not met. Reimbursements up to an aggregate total of $25.00 (up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
Qualifications Required: At least 15 debit card purchases, each $7 or greater; At least 1 direct deposit or ACH credit transaction post and settle; Be enrolled in and agree to receive eStatements; Refunds on ATM withdrawal fees, nationwide (up to $15 monthly); APYs are accurate as of 02/01/2021. APY calculations are based on an assumed balance of $10,000 + $100,000 in your First Choice Interest account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. Fees may reduce earnings. Limit of one account per customer. This account is not to be used for commercial purposes.
Interest is earned on daily balances of $1.00 or more at 1.00% interest rate and 1.01% APY. 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.
No additional details provided.
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Qualifications Required: At least 15 debit card purchases, each $7 or greater; At least 1 direct deposit or ACH credit transaction post and settle; Be enrolled in and agree to receive eStatements; Refunds on ATM withdrawal fees, nationwide (up to $15 monthly); APYs are accurate as of 02/01/2021. APY calculations are based on an assumed balance of $10,000 + $100,000 in your First Choice Interest account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. Fees may reduce earnings. Limit of one account per customer. This account is not to be used for commercial purposes.
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Qualifications Required: At least 15 debit card purchases, each $7 or greater; At least 1 direct deposit or ACH credit transaction post and settle; Be enrolled in and agree to receive eStatements; When your First Choice Interest qualifications are not met, the interest rate earned on the account's entire daily balance will be .05% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. APYs are accurate as of 02/01/2021. APY calculations are based on an assumed balance of $10,000 + $100,000 in your First Choice Interest account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. Fees may reduce earnings. Limit of one account per customer. This account is not to be used for commercial purposes.
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A share account with a $5 minimum balance is required before a checking account can be opened. Fees associated with insufficient funds will apply as necessary. Student Checking is not eligible for Overdraft Protection options until the primary account holder is 21 years old. Under 18 requires a parent/guardian be listed jointly for a debit card to be distributed.
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$100 and over
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$1,000 and over
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Annual Percentage Yield (APY) is accurate as of 6/30/2026. This is a variable rate account and the interest rate and APY may change after account opening. Fees may reduce earnings. Available Online Only. New commercial customers only.
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Trends, NY Checking Rate Trends
Compare local Trends, 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 rose 0.051 points over the past 7 days to 1.420% APY.
New York free checking rates rose 0.041 points over the past 7 days to 1.249% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Trends, 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 Trends, 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 Trends, New York earn interest?
Are banks in Trends, New York FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Trends, New York
- Baxter Credit Union
PowerPlusTM Checking — 8.00% APY - Sunmark Credit Union
Checking Accounts — 6.00% APY - Hanover Community Bank
Max Cash Checking — 5.50% APY - Affinity Federal Credit Union
High-Yield Checking Account — 5.50% APY - Greene County Commercial Bank
FREE e-BUSINESS CHECKING ACCOUNT — 5.00% APY
