Office of Financial Empowerment
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NYC Direct Deposit - Employees

 

The NYC Direct Deposit program provides free checking accounts to workers who directly deposit their pay. 
 

ACCOUNT FEATURES:

             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
                                                                                                   

REQUIRED DOCUMENTS TO OPEN THE ACCOUNT:
            Valid government-issued photo ID such as a passport or ID issued by a State Department of Motor Vehicles
            Proof of home address such as utility bill, current lease or deed, current rent or mortgage bill
            Social Security Number or Individual Taxpayer Identification Number (ITIN)
 
EASY SIGN-UP PROCESS:
 
STEP 1: OPEN THE ACCOUNT
All of these financial institutions offer the City’s free account. Learn how to open the account online, by phone, or in person.

  
Carver Federal Savings Bank
 

At Carver Federal Savings Bank, City employees and vendors can open a Free Checking account as part of the NYC Direct Deposit program.

WAYS TO OPEN THE ACCOUNT

  
Call Carver Federal Savings Bank at 718-230-2900. Mention Free Checking.

 
Visit any Carver Federal Savings Bank branch
Bring the fact sheet with you in addition to required documents.

Flushing Bank
 

At Flushing Bank, City employees and vendors can open a Totally Free Checking account as part of the NYC Direct Deposit program.

WAYS TO OPEN THE ACCOUNT

 Enroll online now 

 
Visit any Flushing Bank branch
Bring the fact sheet with you in addition to required documents.


Habib American Bank
 

At Habib American Bank, City employees and vendors can open a Freedom Checking Account as part of the NYC Direct Deposit program.

WAYS TO OPEN THE ACCOUNT

 
Visit any Habib American Bank branch
Bring the fact sheet with you in addition to required documents.

Neighborhood Trust Federal Credit Union
 

At Neighborhood Trust Federal Credit Union, City employees and vendors can open a Free Checking Account as part of the NYC Direct Deposit program.

WAYS TO OPEN THE ACCOUNT

Get directions to the Neighborhood Trust Federal Credit Union  
You must live, work, or study in Washington Heights, West Harlem, or Inwood.
Bring the fact sheet with you in addition to required documents. 

Popular Community Bank
 

At Popular Community Bank, City employees and vendors can open a Totally Free Checking® account as part of the NYC Direct Deposit program.

WAYS TO OPEN THE ACCOUNT
 
Visit any Popular Community Bank branch
Bring the fact sheet with you in addition to required documents.

Sterling National Bank
 

At Sterling National Bank, City employees and vendors can open a NYC Free Checking Account as part of the NYC Direct Deposit program.

WAYS TO OPEN THE ACCOUNT 

  
Call Sterling National Bank at 212-490-9800. Mention the NYC Free Checking Account.


 
Visit any Sterling National Bank branch
Bring the fact sheet with you in addition to required documents.

  
Have questions? E-mail Sterling National Bank


If you have questions, contact us at NYCDirectDeposit@dca.nyc.gov or (212) 487-2106. Callers should leave a message with their name and contact information for follow-up. 

STEP 2: ENROLL IN DIRECT DEPOSIT 
City Employees:
After you open your checking account, enroll in direct deposit online using:
     •   Employee Self Service (ESS) OR
     •   Payroll Portal (for Department of Education employees)

You can also submit a completed Direct Deposit Enrollment form to your agency’s Payroll staff. You’ll need to provide your routing and account numbers to set up direct deposit.

Non-City Employees:
After you open your checking account, be sure to enroll in direct deposit. You can contact your Human Resources/Payroll staff for the direct deposit enrollment form. You’ll need to provide your financial institution’s routing and account numbers to set up direct deposit.

 

 
Download the flyer
   (English  Español)

Download the fact sheet to learn the benefits of direct deposit banking
   (English Español)