Technology has made it easier to find almost anything online, but just because it’s easy doesn’t mean it’s good or trustworthy. When it comes to personal banking especially, exercising extra caution is essential. You don’t want to settle for the first personal checking account you find without thoroughly researching its pros and cons, and without vetting the bank. As a community bank in New York, we take financial well-being seriously and want you to make well-informed decisions that you won’t regret. Trust us – we’ve heard too many banking horror stories from customers, which has helped us to better understand customer needs for personal checking account options. When searching for checking accounts online, we recommend looking for these checking account and bank features to ensure the best banking experience: Transparency First: Knowing all the fees upfront is key because there’s nothing worse than transitioning to a new bank and realizing that you have maintenance fees after the fact. If fee-free personal checking accounts are a priority for you, make that a part of your search. Convenience: How far is the nearest bank? How vast is their ATM network? Do they offer online banking? These are all questions you should ask yourself during your search for checking accounts online. Reputation & Security: Many banks have reported massive breaches of security over the past few years, while others have been exposed to unethical and fraudulent business practices. If that makes you uncomfortable, then take the extra time to review your bank of interest’s track record. Rewards Programs: Credit cards aren’t the only way to earn cashback! Some banks have checking-account-specific rewards programs that help you earn rewards points on certain transactions. Personalized Touch: Look for banks that prioritize customer service and have a history of helping customers meet their financial goals. This is especially important if you intend to apply for a loan from that same bank in the future! With so many banks in NY, another thing to consider when looking for checking accounts online is what kind of banking partner you want to serve your financial needs. Big banks may have additional convenience features, but may not offer a personalized experience. Community banks are the way to go for those who want to feel like they’re more than a number. Why choose a community bank? For one, they have deep ties to their community and thus understand the unique needs of their customers.As a community bank located in the Bronx, we recognize that everyone’s financial situation is different, which motivates us to provide banking solutions that are as diverse as our customers’ needs. That’s why we offer more than one personal checking account option – customers can choose from four different accounts: Basic Checking, Green Checking, Money Market, and Interest Checking. Plus, our features live up to those of big banks. We’re constantly evolving and are proud to offer online banking, mobile banking, and an extensive ATM network. We also love that we get to see the impact of our banking solutions in real-time – many of our small business customers are area locals whom we’ve watched grow over the course of our banking relationship. That kind of connection is hard to find elsewhere. Work with us Whether you’re looking for checking accounts online or need a business bank account, our doors are wide open. When you bank with us, you have access to our transparent, ethical banking solutions and our friendly team. Interested? Visit any of our branches or explore our website to learn more about our personal and business banking offerings!
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