Hudson City - Bank on better values.
Higher Deposit Yields, Lower Fees, Competitive Mortgage Rates

Personal Checking Accounts-New York

Free Personal Checking

  • No monthly maintenance fees
  • Unlimited check writing
  • Unlimited deposits
  • Descriptive monthly statement
  • Features:
    • Debit/ATM card*
    • Direct deposit
    • Telephone Banking
    • Online Banking
  • FDIC insured
Note: No minimum balance required and no charge to maintain the account, however, Free Personal Checking accounts are subject to fees for overdrafts, stop payment orders, and other ancillary services. For a complete description of direct charges and fees, please see the Bank's schedule of fees and charges.

For the checking accounts listed below there is a monthly maintenance fee if the balance falls below the minimum amount (see charts below).


High Value Checking

Why settle for low or no interest checking when you can have all of the or having to climb multiple tiers like other banksperks of High Value Checking? We provide you with an exceptional Annual Percentage Yield without the hassle of maintaining linked accounts. A minimum balance of $10,000 will always earn you the highest rate of interest that our program offers.

  • Specialized checks
  • Online Banking
  • Online Bill Pay
  • FDIC Insured
Current Annual Percentage Yield (APY) as of
Interest rates subject to change without notice. Convenient monthly statement.
Interest compounded daily and credited at the close of each statement cycle. Each day your balance falls below $10,000 during the monthly cycle period, you will receive the lower interest rate and annual percentage yield (APY). No interest will be paid on accounts with a balance less than $10.
Fees may reduce earnings. Initial Deposit $10,000.


Money Market Checking

  • High variable rate of interest
  • Limited check writing and third party payments
  • Unlimited deposits and in-person withdrawals
  • Features:
    • Debit/ATM card*
    • Direct deposit
    • Telephone Banking
    • Online Banking
  • Descriptive monthly statement
  • FDIC insured
Current Annual Percentage Yield (APY) as of
Interest rates subject to change without notice. Convenient monthly statement.
Interest compounded daily and credited at the close of each statement cycle. There is a $15 transaction charge for each item in excess of transaction limits.
Fees may reduce earnings. Initial Deposit $10,000.


Better Interest Banking

  • High variable rate of interest
  • No limit on the number or types of transactions
  • Features:
    • Debit/ATM card*
    • Direct deposit
    • Telephone Banking
    • Online Banking
    • Online Bill Pay
  • FDIC insured
Current Annual Percentage Yield (APY) as of
Interest rates subject to change without notice. Convenient monthly statement.
Interest compounded daily and credited at the close of each statement cycle. Fees may reduce earnings. Initial Deposit $5,000.


Super NOW Account

  • Variable interest rate
  • Unlimited check writing
  • Unlimited deposits
  • Descriptive monthly statement
  • Features:
    • Debit/ATM card*
    • Direct deposit
    • Telephone Banking
    • Online Banking
  • FDIC insured
Current Annual Percentage Yield (APY) as of
Interest rates are subject to change without notice. Interest compounded daily and credited at the close of the last calendar day of each month. Lower interest rates paid on Super NOW each day balance is below $1,000. Fees may reduce earnings. Initial deposit $100.


For additional information visit or call one of our branches.

MasterCard SecureCode*MasterCard® SecureCode is a new service to enhance and protect your existing MasterCard account against unauthorized use of your card when you shop at participating online merchants. Click the button to the left for more information.

Note: Effective April 20th, 2013, due to a change in the MasterCard SecureCode process, you may be required to re-register your SecureCode.


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As of November 1, 2015, Hudson City Savings Bank merged into M&T Bank. It is now the Hudson City division of M&T Bank. M&T Bank is a Member FDIC and Equal Housing Lender.
Member FDIC Equal Housing Lender