NYC Direct Deposit

The NYC Direct Deposit program provides free checking accounts to City residents who directly deposit their pay. Features include:

  • No monthly fees
  • No overdraft option for debit card purchases or ATM withdrawals
  • No minimum balance requirements
  • Free online banking and bill pay
  • Free in-network ATM withdrawals

To sign up, you must:

  • Open the account at a participating financial institution.
  • Enroll in direct deposit. Ask your employer's Human Resources Department how.