Get a $750 Welcome Deposit for eligible new customers who open an 
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Find new bank bonuses and promotions from New York Community Bank here. Typical promotions have been $100, $200, $300, $400, $500, etc.
New York Community Bank has branches in Arizona, Florida, New Jersey, New York and Ohio with more than 230 branches. If you aren’t local to a branch, check out these bank offers instead.
After a review of their rates, I definitely recommend looking elsewhere if you’re seeking good returns on a Savings or CD account. See our comparison pages here: Savings Rates | CD Rates.
New offers below.
New York Community Bank $250 Checking Bonus
$250 bonus offer is back!
You’ll have the option of earning this $250 bonus with either a new Personal or Business Checking account.
- $250 bonus offer expires May 31, 2018
- Available in-branch only. Branches in AZ, FL, NJ, NY and OH
- My Community Interest Checking (Personal) and Business Solutions Checking are eligible for the $250 bonus. The other NYCB business checking account product types that are eligible for this promotion include: Business Solutions Checking with Interest, Business Solutions Analysis Checking, Business Solutions Analysis Checking with Interest, and Business Solutions Nonprofit Checking.
- Direct deposit is required for the Personal Checking option
- Application will trigger a Soft Pull, which does not affect your credit
- Monthly fee can be waived (see below)
- There’s an early account termination fee of $30 if account is closed within 180 days of opening
How To Earn The $250 Personal Checking Bonus
- To qualify for the $250 bonus you must open a new My Community Interest Checking account with $100 not currently on deposit with the Bank, and complete the following activities:
- 1) Within 10 calendar days after account opening, deposit a total of $10,000 or more not currently on deposit with the bank, and maintain an average daily balance of $10,000 for 90 consecutive calendar days from the date of deposit.
- 2) Within 90 calendar days after account opening, 10 debit card point of sale (POS) transactions of $10 or more must post to the account. If the POS transaction is considered a debit, a fee may be incurred.
- 3) Within 90 calendar days after account opening, qualifying direct deposits totaling $500 or more must post to the account each month for two consecutive calendar months. A qualifying direct deposit is a recurring electronic deposit of a paycheck, pension, Social Security or other governmental benefit.
- Once all requirements are met, the bonus will be credited to your account within 10 business days, and may be reportable as income to the Internal Revenue Service (IRS).
- Account must remain open, in good standing, and in the same product type through the qualifying period to receive the bonus.
- To be eligible for this offer, the new consumer checking account cannot include any signers who:
- (1) are on any existing NYCB consumer checking accounts (or accounts that have closed in the past 180 calendar days), or
- (2) have been paid a promotional premium on a consumer account in the past 12 months.
- Signer is defined by name(s) and Social Security number(s) on the account.
- Other consumer checking account product types are not eligible for this promotion.
- This offer is subject to change and cannot be combined with any other offer.
How To Earn The $250 Business Checking Bonus
- To qualify for the $250 bonus you must open a new Business Solutions Checking account with $100 not currently on deposit with the Bank, and complete the following activities:
- 1) Within 10 calendar days after account opening, deposit a total of $25,000 or more not currently on deposit with the bank, and maintain an average daily balance of $25,000 for 90 consecutive calendar days from the date of deposit.
- 2) Within 90 calendar days after account opening, 10 debit card point of sale (POS) transactions of $10 or more must post to the account. If the POS transaction is considered a debit, a fee may be incurred. Please refer to the Schedule of Fees received at account opening.
- Once all requirements are met, the bonus will be credited to your account within 10 business days, and may be reportable as income to the Internal Revenue Service (IRS).
- Account must remain open, in good standing, and in the same product type through the qualifying period to receive the bonus.
- To be eligible for this offer, the business cannot have an existing NYCB business checking account with the same Employer Identification Number (EIN).
- The new business checking account cannot include any signers who:
- (1) are on any existing NYCB business checking accounts (or accounts that have closed in the past 180 calendar days), or
- (2) have been paid a promotional premium on a business account in the past 12 months.
- Signer is defined by name(s) and Social Security number(s) on the account.
- The other NYCB business checking account product types that are eligible for this promotion include: Business Solutions Checking with Interest, Business Solutions Analysis Checking, Business Solutions Analysis Checking with Interest, and Business Solutions Nonprofit Checking.
- This offer is subject to change and cannot be combined with any other offer.
MoneysMyLife Top Offer Picks  With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.
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CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. 
Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. 
Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. 50,000 Points Or $500 Yearly Promotion
This $500 bonus is more a rewards program that you accumulate to get to the $500 yearly. You’re automatically enrolled in the program when you open a personal checking account.
You can redeem for cash once you get to 2,000 Reward points for $20, and up to 50,000 ($500) points yearly. If you go over 50,000 points for the year, the extra points will carry over to the next month.
All you have to do is use your Visa check card in a variety of categories to earn reward points.
Basically, you’re using the Visa check card that is paired with a personal checking account from New York Community Bank to earn points. You’ll only earn rewards points for transactions of at least $50. Every transaction you make that is at least $50 will earn you 10 points. Those 10 points are worth 10 cents. As you can tell, it’s going to take quite a bit of spending to add up the rewards. Yes, that’s a 0.2% earning rate. If you spend more than $50 on that single transaction, you’re still only going to get the 10 points.
Once you accumulate at least 2,000 Rewards points($20 worth), you can then start to redeem for cash. You’re allowed to earn up to $500 yearly, but any amount you earn more than $500 will rollover to the following year. Your points never expire.
Here’s the example of how you can earn Rewards points as shown on their website:
Using the example above, when you add up your one-time points and your monthly points earned using your Visa® check card, you can earn up to 5,400 points or $54.00 for that year.
* The point values listed are based upon the assumption that each transaction is at least $50 or more.
It’s Almost Always Better Using A Rewards Credit Card…
Don’t get me wrong, it’s nice that you can actually earn rewards through this personal checking account. As a rule though, it’s better to use a Rewards earning credit card that usually will earn at least 1% back even with the most basic cards.
This program from New York Community Bank can come in handy, say, if you aren’t able to get approved for any Rewards credit cards.
I wouldn’t be rushing to the local branch for this offer, but I thought I’d share the info. *Check out better offers like the Chase coupon bonuses, TD Bank bonuses, or the CIT online banking promotions instead. More top offers below:
- Chase Coupon Promo Codes: $200, $300, $350, $500 – August 2018
- Chase Bank Business Checking Promotion: $200 Sign-Up Cash Bonus
- Simple Bank Review & Bonus Offer: Unlimited $20 Referrals
- Chase Student Checking Promotions: $100 Chase College Checking℠ Bonus
- CIT Bank Promotions: Online Money Market Account 1.85% APY Offer
- HSBC Bank $350 & $750 Checking Account Bonuses
- Chase Total Checking Account Bonus: $200 Coupon Available Online
- Chase Premier Plus Checking℠ Bonus: $300 Coupon Offer
- TD Bank Promotions: $300 & $150 Checking Account Bonuses
- BBVA Compass Bank Promotions: $150, $200, $250 Checking/Savings Bonuses
*These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.