http://www.bankperks.com/r.php?url=https://www.mybankin...oducts/Checking

Terms:

* For consumers only. Offer available 4/1/2017 - 5/31/2017. If the POS transaction is considered a debit, there may be a fee. Offer is not available to existing checking account owners or those whose accounts have been closed within 180 calendar days or closed with a negative balance. Please refer to the Schedule of Fees received at account opening. Direct Deposit: Get $50 when you set up and receive qualifying direct deposits totaling $500 or more for two consecutive months. Once each condition is met, each bonus will be credited to the My Banking Direct Checking account within 10 business days, and may be reportable to the Internal Revenue Service [IRS]. This offer is subject to change at any time and cannot be combined with any other offer.

1 Available on Variety 50 single package only.

2 When using your My Banking Direct [MBD] Checking debit card at ATMs not owned by the Bank, if the monthly average balance of your MBD Checking account or the combined monthly average balance of your MBD Checking account and the MBD Money Market Checking or Earn>More Money Market account is equal to or greater than $25,000.00, all ATM operators' surcharges will be refunded. Bonuses only eligible on one checking account per household. To earn up to $150 bonus you must open a new My Banking Direct Checking account with a minimum of $1,500. Debit Card: Get $50 when you complete 6 debit card point of sale [POS] transactions of $10 or more. Account must be opened with funds not currently on deposit with the Bank. Bill Pay: Get $50 when you set up and make 3 online bill payments of $10 or more for two consecutive months. All requirements must be met and all activities must post to the My Banking Direct Checking account within 90 days of account opening to qualify. A qualifying direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other governmental benefit. If the average monthly balance of your account(s) described above is below $25,000.00, ATM operators' surcharges will be refunded up to $10.00. If your MBD Checking account is closed before the end of the cycle, the surcharge rebate is forfeited.

3 NYCB Mobile is available for those enrolled in NYCB Online, however not all online features may be available through the mobile app. The rebate only applies to those fees assessed for ATMs within the United States. The surcharges assessed will be determined at the end of the statement cycle and will be credited to your MBD Checking Account during the next statement cycle. For example, surcharges assessed during your June-July statement cycle will be refunded and appear on your July-August statement. Standard messaging and data rates may apply.

4 Funds over your pre-selected available balance amount in your My Banking Direct (MBD) Checking account at the end of each business day will automatically sweep (transfer) to a higher yield account of your choice such as the MBD Money Market Checking account. Prior to selecting the available balance amount to be retained in the MBD Checking account, be careful to ensure that enough money is available in the account at all times to cover the items that you write and/or authorize. The sweep service will remain in effect until changed or terminated. To change or terminate the service, sign on to NYCB Online, select "Messages" at the top right corner of the page to send a Secure Message request. To transfer funds back to your checking account, you must sign on to NYCB Online and make the transfer manually [subject to certain restrictions]. Should the sweep cause insufficient funds for in clearing items [checks, ACH debits, etc.], you are responsible for all possible fees. Please allow three business days for the change or termination to be processed.