Spring Bank

All personal checking accounts feature free access to online banking , telephone banking, Spring Bank/Mastercard debit cards (or a simple ATM card) and free access to your money at MoneyPass ATMs throughout the city and the country. (For non-MoneyPass withdrawals other Bank’s fees may apply. Spring Bank’s fee for non-MoneyPass withdrawals is $2.50 per transaction).  Click here for our MoneyPass ATM locator. Also, receive your money quickly by signing up for free direct deposit. Click here to download an account application.

Spring Bank Access Card
Do you need a card based account that is easy to maintain, but don’t want the hassle and expense of managing paper checks? Our Access Card is right for you, and a great alternative to expensive pre-paid and re-loadable cards. It’s an FDIC insured bank account in your name, and with direct deposit and our free ATM network, you won’t have any need to visit a branch! Click here to download an account application.

Basic Checking
Our basic checking account is a low-cost, full service account, that is easy to open and easy to maintain. A Mastercard Debit Card or a Spring Bank ATM card are issued at no extra charge. Maintain a balance above $1,000.00, and we’ll waive the nominal $3.00 per month maintenance fee. Click here to download an account application.

Money Market Savings
If you like to keep extra cash handy, but not locked away, our Money Market Savings meets the need. We offer interest rates that compete nation wide, and your cash is still available for transfer between accounts and for limited check writing. Click here to view our rates. Click here to download an account application.

Interest Checking
Interest checking gives you all the access of full service checking, with the advantage of interest. Maintain a balance above $1,000.00 and we’ll waive the $10.00 monthly maintenance fee. Click here to view our rates. Click here to download an account application.

All savings accounts feature free access to online banking, telephone banking, a Spring Bank ATM card, and free ATMs throughout the city and the country. Click here for our ATM locator. Also, save time by signing up for free direct deposit.

CD accounts can be accessed 24 hours per day through telephone banking.

Statement Savings
With our free statement savings you can watch your money grow, and keep convenient access through a Spring Bank ATM card. You also earn interest at our competitive rates. Click here to view our rates. Click here to download an account application.

Certificate of Deposit (CD)
Our CD rates are competitive, and are perfect for longer term commitments. Click here to view our competitive rates and terms. Click here to download an account application.

Club Accounts
Club accounts combine qualities of Savings and CDs. You can structure your saving over time and earn interest, while voluntarily restricting your access to the funds, without strict barriers and penalties. Click here to download an account application.

Youth Statement Savings
Young people save for free at CheckSpring. Individual, non-custodial interest bearing statement savings accounts are available for anyone aged 18 or younger. There is no minimum to open, and no minimum to maintain these accounts, and rates are just as good as those we offer to adults! Click here to view our competitive rates.

Individual Traditional IRA (CD)
Your contributions to this CD are tax advantaged. For more information on IRAs, click here. Click here to view our competitive rates. Click here to download an account application.

Asset Building Innovations – Partner Sponsored Program Accounts
Visit our branch, or click on our partners name to learn more about these special programs.

NYC SafeStart Account, with the Office of Financial Empowerment

NYC Family Rewards, with the Center for Economic Opportunity

$aveUSA Tax Season Savings Match with the Office of Financial Empowerment. Our non-profit partners include Ariva, Inc., Food Bank for New York and Newark Now.

$aveUp Tax Season Savings Match

Representative Payee Accounts

Spring Bank offers these services to make life easier. Whether or not you have an account or intend to open one, we hope you’ll come by our branches to save time and money with these convenient services.

Discounted Check Cashing For Non-Depositors – $1.00 for checks up to $1,000, 1% for amounts greater. If you cash check regularly at a licensed check casher, visit us instead. Our discounted rates could potentially save you hundreds of dollars a year. And you can open saving account with the money you save.

Western Union Money Transfer – Spring Bank is an authorized Western Union agent.

In Branch Bill Pay: Spring Bank is an authorized agent of Pay-O-Matic

Money Orders, Cashiers Checks – Spring Bank money orders and cashier’s checks are available at competitive rates.

Metro Cards – Pick up a metro card while you’re here. There’s no need to make a special trip.

We designed this account for the business owner who demands flexibility and economy. It’s all backed up by responsive, local Spring bank service. Maintain an average balance of $5,000 and we’ll waive the already low $15.00 maintenance fee. Click here to download an account application.

All Business Checking accounts feature free access to online banking, telephone banking, Spring Bank/MasterCard debit cards (or a simple ATM card) and free ATMs throughout the city and the country. Click here for our ATM locator.

If you like to keep extra cash handy, but not locked away, our Money Market Savings is an excellent account. We offer rates that compete nation wide, and your cash is still available for transfer between accounts and for limited check writing. Click here to view our rates.

All Money Market accounts feature free access to online banking, telephone banking, Spring Bank/MasterCard debit cards (or a simple ATM card) and free ATMs throughout the city and the country. Click here for our ATM locator.

Ready to set cash aside? Our CD rates are competitive, and are perfect for longer term commitments. Click here to view our competitive rates and terms.

The following services are also available. Call us at 718-879-5000 and ask to speak to a business representative for more information.

Remote deposit capture (RDC) – Local banking and regional banking become one when your business signs up for Spring Bank’s RDC Program. With RDC, businesses of all sizes throughout the city can take advantage of Spring Bank’s cost savings and service without having to visit a branch. Maintain a regular average monthly balance of $50,000, and we’ll waive all fees.

Whether your business is in the Bronx or Brooklyn, your deposit relationship with Spring Bank is affordable and convenient. Businesses receive same-day credit on deposits received before 7:00 p.m.!

Merchant services – Whether you already have a merchant services relationship or are looking to introduce a new side to your business, we partner with a provider that offers competitive rates.

To discuss the possible benefits of a merchant services account, call 718-879-5000 and ask for a business banker or e-mail us at business.info@springbankny.com.