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Making more informed everyday financial decisions can help you reach your long-term goals – like buying a car, saving for retirement or home renovations.

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Qualified TD Bank personal checking customers get 0.125% off their mortgage rate, which could save you thousands in interest over the life of your loan.

To be eligible for the 0.125% discount, a TD Bank personal checking account is required to be open and in good standing within 14 calendar days of loan application. Offer subject to change.

*This is an example only. Savings example is based on a rate for a 30-year-fixed rate loan and assumes the purpose of the loan is to purchase a property, an existing single family home to be used as a primary residence with an estimated property value of $250,000, a 20% downpayment and loan value of $200,000. The property is located in Framingham, MA and is within Middlesex county. The rate reflects a 60 day rate lock period.

The rate shown is not guaranteed and is subject to change without notice. This is not a credit decision or a commitment to lend. The information provided assumes excellent credit score rating of 740. An escrow (impound) account is required. Your actual rate will depend on various factors including but not limited to loan type, credit profile, property type, appraised value, occupancy, subordinate financing and loan size.

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Top 15 Best Banks in New York State | 2017 Ranking | Best Banks in NYC, Banks in Buffalo, etc.

2017 RANKING & REVIEWS

TOP RANKING BANKS IN NEW YORK

Intro: Key Questions to Finding the Best Banks in New York (NYC, Buffalo, & Other NY Cities)

Do you live or work in New York? If so, how much money are you paying each month in banking fees with a NY based bank? Could you be saving a substantial amount of money by reducing or eliminating those fees?

What about interest yields? Are you earning interest with your New York bank that are competitive in both your checking and savings accounts?

All of these are essential questions to ask when you’re considering the best bank in NY to use and whether or not it’s time to move to another NY bank.

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Award Emblem: Top 15 Best Banks in New York

It’s with these guiding questions in mind, along with many others, that this review, ranking and list of banks in New York was created.

The New York City Metro, as well as the entire state of New York, is a thriving hub of commerce and a center of the world’s economy. It’s only natural that this is also where some of the world’s top retail banks are found.

This list of the best banks in New York covers a diverse selection of institutions, from community to national banks.

It’s also dispersed geographically, so the ranking includes everything from the best bank in NYC to the top banks in Buffalo, NY.

Each bank included on this list of the best New York banks was researched with one thing in mind: the needs of the consumer. Whether you need the best banks in NYC or the best banks in Buffalo, NY, this list of top New York banks will provide you with everything you need to find the best NY bank for you.

AdvisoryHQ's List of the Top 15 Best Banks in New York

List is sorted alphabetically (click any of the bank names below to go directly to the detailed review section for that New York bank):

Top Best 15 Best Banks in New York | Brief Comparison & Ranking

Bank of America

Focus on providing clarity & transparency

Dynamic options for savings accounts & lines of credit

Citi ThankYou Rewards program

Multiple overdraft protection options

Exclusive benefits & rates with the Premier checking account

Comprehensive offerings for students via the Student Center

Customizable personal checking & savings accounts

Vast array of debit card features & customizable options

New York Community Bank

Enhanced account security & banking alerts

People’s United Bank

Convenient, affordable checking programs

National & global access

Wide selection of business accounts & services

Clover 1 Merchant Solutions

Valley National Bank

Multiple checking account options for different lifestyles

Exclusive resources for those looking to build credit

Table: Top 15 Best New York Banks | Above list is sorted alphabetically

Don't Miss: High Yield Bank Accounts

AdvisoryHQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?

Please click here “AdvisoryHQ9rsquo;s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.

Detailed Review – Top Ranking Best Banks in New York

Below, please find a detailed review of each bank on our list of top banks in New York and best banks in Buffalo, NY. We have highlighted some of the factors that allowed these New York banks to score so high in our selection ranking.

New York Community Bank Review

New York Community Bank is part of the New York Community Bancorp Inc., and this state-chartered NY bank works with customers throughout New York as well as New Jersey, Florida, Ohio, and Arizona.

Along with being considered a top selection for the best bank in New York, New York Community Bank is also the largest thrift in the nation.

The history of this NY bank goes back to 1859 when the state initially chartered it. In the New York metro, branches of the bank are dispersed throughout Brooklyn, Queens, Long Island, and other locations.

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Key Factors That Enabled Us to Rank This Bank as One of the Best Banks in NYC and New York State

Based on a comparison of New York banks, New York Community Bank was selected as one of the best banks in NYC based on the following criteria and ranking details.

My Community Free Checking

In an effort to provide reduced fees to customers, New York Community Bank is one of the top banks in New York offering a free checking account option. The My Community Free Checking account is a personal account with unlimited check writing.

With My Community Free Checking, along with no monthly fees, there are also rewards options available, and account holders can choose to have paperless e-Statements delivered to them.

As one of the best banks in NYC and one of the top New York banks, New York Community Bank offers a rewards program for account holders each time they use their Visa check card on particular transactions.

Customers are automatically enrolled in the program by opening a consumer checking account, and it’s possible to earn cash with as few as 2,000 rewards points.

Account holders have the opportunity to earn up to 50,000 points, or $500, every calendar year, and if your points exceed that amount, they roll over to the next year. Each time $2,000 points or more are accrued, accounts are credited with cash automatically.

As a top NY bank, New York Community Bank offers account holders the opportunity to seamlessly and quickly send money using Popmoney. This personal payment service provides account holders from one of the top banks in New York with an easy way to receive and request money.

Popmoney is also part of the bill pay service provided by this New York bank, and all you need to send money using this platform is the name and email address or phone number of the recipient.

Since it’s offered through NYCB, all of the same security and protection measures are in place when account holders use Popmoney.

Account and Security Alerts

To ensure that customers and account holders can maintain control over their finances and how their money is handled, NYCB offers various account and security alerts.

Members of this top NY bank can choose their notifications, including if a balance goes above or below a set amount, when a direct deposit is made into your account, or when a withdrawal, deposit or check posts to your account.

You can also receive personalized alerts through email, text message, and push notification.

Security alerts are automatically sent to an account holder’s primary email address and can be customized to be sent by text message or push notification.

TD Bank has been recognized for its delivery of excellent, personal banking customer service for more than 150 years.

What initially started as Portland Savings Bank in Portland, Maine, in 1852, has grown to include many locations throughout the country, leading it to become one of the best New York banks.

TD is recognized as one of the ten largest banks in the U.S., with about 26,000 employees and more than 8.5 million customers throughout the country.

Key Factors That Led to Our Ranking of This Bank as One of the Best Banks in New York

Key reasons TD Bank was included in this ranking of the best banks in NYC, as well as a best bank in New York state, are listed below.

As an innovative, forward-thinking financial institution, TD Bank embraces advanced technology in every possible area, and that includes the provision of digital payment options.

Digital payments add another layer of security to purchases and transactions, and they also make it faster to pay and check out quickly.

TD’s accounts integrate with four digital wallet solutions: Apple Pay, Android Pay, Samsung Pay, and Microsoft Wallet.

Account holders can also use Visa Checkout to pay online with their TD Bank Visa Card, which lets them pay with a single login from any device, without re-entering payment and shipping advice. Checkout is as simple as a single click with participating retailers.

Clover 1 Merchant Solutions

TD customers have access to not only personal banking services but also business options.

One way TD serves the needs of businesses and merchants is with the provision of The Clover 1 solution suite, which helps business clients not just accept payments but also manage and protect their business.

Features of the Clover 1 solution include the ability to process any payment securely, in flexible ways, and to get customized solutions and support when needed.

The solutions suite also includes cloud apps to help promote customer loyalty and security, for managing reporting and scheduling, and to manage inventory.

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A range of convenient services is available to clients who require banking across the Canada-United States border.

Clients can open a U.S. dollar account online, apply for U.S. mortgages and credit cards, and can take advantage of free wire transfers between Canadian and U.S. TD accounts.

TD accounts available to customers who need banking, which extend across the Canada-U.S. border, include TD Simple, TD Convenience, and TD Premier.

One of the top-level checking accounts available from TD is the Relationship Checking account, which is packed with exclusive benefits, features, and discounts.

These include the following:

  • Account holders earn interest on their account balance
  • There is a discount rate on TD Bank home loans
  • TD ATM fees are waived regardless of the balance
  • Non-TD ATM usage includes fees reimbursed when a minimum daily balance of at least $2,500 is maintained
  • Free money orders
  • Free standard checks
  • Free waivers on savings accounts
  • Transfer fees waived for overdraft protection
  • When a $20,000 combined minimum daily balance is maintained between TD Bank deposit accounts, the $25 monthly maintenance fee is waived

Wells Fargo is a large, multinational presence in the world of banking with $1.9 trillion in assets. It’s a diversified financial services provider founded in 1852 that delivers not only retail banking services, but also insurance, investments, mortgages and more.

Along with the banks in New York, Wells Fargo has over 8,600 locations and 13,000 ATMs. Wells Fargo also works with 70 million customers and has been honored by media outlets including Barron’s, Forbes and Fortune.

Key Factors That Led to Our Ranking of This Bank as One of the Best Banks in New York

When comparing and researching the best bank in New York, the following were some of the criteria that made Wells Fargo a standout selection for a top NY bank.

Wells Fargo is unique because even though it’s a global powerhouse in terms of banking and finance, it offers many educational and informational resources to customers and the public in general.

One focus area of Wells Fargo is providing consumers with information to aid them in establishing and maintaining good credit. It has put together a comprehensive online guide that includes tips and activities to establish credit and build a sound financial foundation.

This top NY bank offers additional exclusive resources to help people with building their credit history. This includes information on credit basics, and video guides on attaining credit.

Finally, it features product selections for people who are just beginning to establish credit, such as secured loans and secured lines of credit.

Servicemembers and Military Families

Wells Fargo remains consistently committed to providing resources and support for military servicemembers, veterans, and their families.

Not only does this New York bank participate in community programs providing support to veterans in the community, but it also works to employ veterans. Some of the programs it actively participates in are the SBA Veterans Pledge Initiative and the Warriors to Summits programs.

Additional Wells Fargo programs help servicemenbers and spouses translate their military skills into career competencies, and deliver banking products and services focused on their unique needs.

Some of these banking services include a combination of online classes, local seminars, and on-base forums to improve the financial literacy of veteran participants.

Portfolio Checking Account

Portfolio by Wells Fargo® is a checking option for those Wells Fargo customers with higher balances. This premier option features more benefits including bonus interest rates, fee waivers, and discounts on banking services.

This program also includes superior service from the from the dedicated Wells Fargo Premier Banking Team, available 24 hours a day and 7 days a week.

While there is a $30 monthly fee, members of this NY bank can avoid this by meeting one of two monthly requirements:

  • $25,000 or more in qualifying direct deposits
  • $50,000 or more in any combination of qualifying linked bank, brokerage, and credit balances

Wells Fargo Works for Small Business

Wells Fargo Works for Small Business is a program designed specifically to address the banking and financial needs of small business owners.

Services are designed to fit with each step of the business cycle, from launching a new business, to running it and growing it.

Through the Small Business program participants not only have access to premier banking products, but also comprehensive resources that can allow them to be more successful in their ventures.

Below, click on the individual banks included in the Top Banks in New York list, to browse the exclusive reviews:

Conclusion – Top 15 Banks in New York

If you’re looking for banks in NYC, banks in Buffalo, or simply the best banks in New York state, there are likely to be some important considerations you take into mind.

Some of these common considerations include the cost to do business with a bank, including associated fees, the sense of transparency, the length of time they’ve been serving the community, the products they have available, and how technologically advanced their services are.

When creating this comprehensive list of banks in New York, these factors and many more weighed heavily into the ranking process. Each of the above institutions is not only considered to be one of the best banks in New York, but they also cater to a wide variety of financial and personal needs.

Despite their similarities in the quality of service and products, each NY bank is unique from one another with signature offerings and exclusive products.

Reasonable efforts have been made to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be our affiliates. Click to view our advertiser disclosures.


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Mortgage Choice: Quicken Loans Vs. Your Local Bank

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Since the dot-com boom of the late 1990s, online mortgage companies have become an increasingly significant force in the home loan industry. Leading the charge is Quicken Loans, now the second-largest retail mortgage lender in the country.

Does the growth of players like Quicken Loans mean web-based firms have more to offer than your community bank down the street? Not necessarily. Where you go for a loan is largely a matter of what’s comfortable for you—and where you can get the best rates.

Both types of lenders offer mortgage pre-approval: Being pre-approved can sometimes help you have your offer on a home accepted. However, they have other significant differences that could shape which one you find preferable.

Going with an online lender has certain benefits, especially if you’re someone who likes to feel in control of the loan process. The advantages of going with a company such as Quicken Loans include:

  • Convenience – Since the advent of the Internet, Americans are used to doing things on their own timetable. With online lenders, you can start the process by chatting online, visiting a website or talking on the phone – any time of day. Going with a web-based lender is especially handy for those who work long hours and have trouble finding time for personal projects during traditional business hours.
  • Anonymity – Some people prefer to meet with their lender face-to-face, but that’s not true for everyone. In fact, many customers like the anonymity of electronic communication, which sometimes makes it easier to open up about one’s financial situation.
  • Transparency – One of the benefits of Quicken Loans is that it gives you 24/7 access to an online tool called MyQL that can be accessed either online or via a mobile app, MyQL Mobile. MyQL allows borrowers to access a personalized website where they can – among other functions – check the status of their loan application whenever they want and make sure that any documentation they provide has been received.
  • Selection – Bigger mortgage companies often provide a broader menu of financial products. Quicken Loans is no exception. In addition to conventional fixed- and adjustable-rate mortgages, the company also offers specialized products such as Federal Housing Administration (FHA) and VA loans. Of course, some community banks offer these as well – but it’s not always the case.

When it comes to big financial decisions, some people just feel more at ease doing business in person. With Quicken Loans, you’re talking to someone working out of a call center that might be in a different part of the country. If you’re the type of individual who likes to look people in the eye when getting advice, a local lender might be the best way to go.

Other advantages of going with a brick-and-mortar provider include:

  • Local expertise and connections – Smaller banks argue that there’s an advantage to working with people who know the area and sometimes have an existing relationship with the realtor. This can put them in a better position to resolve conflicts during the loan approval process. That’s not to say Quicken Loans doesn’t do well by its customers. In fact, the company has earned J.D. Power’s top spot for customer service an impressive seven years in a row (2010-2016).
  • Simplicity – Most people lead busy lives, so there’s something to be said for eliminating as many hassles as possible. For example, if you apply for a mortgage at your local bank, you might have the opportunity to manage all your accounts using a single log-in. That can make paying your monthly bill easier, too.
  • Local ties – When you make payments to a nearby bank, there’s a good chance it will take that money and lend it to other individuals and businesses in the area. Smaller banks also tend to support local events and charities, thus bolstering the local community.

In recent years, online lender Quicken Loans has become known for convenience and strong customer service. But if meeting with lenders face-to-face is important to you, a local bank with a good reputation is a sound choice. For background when considering both alternatives, read Mortgage Basics.


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BankFive, a Leader Among Massachusetts Banks

Banking smart means banking locally! BankFive, headquartered in Fall River, Massachusetts, has been serving the community since 1855, and our team members offer a higher level of personal service than you’ll find at other Massachusetts banks. That’s why we are a premier independent community bank, and one of the top regional Massachusetts banks.

Personal attention and personal service are only a part of the package. With 13 convenient full-service banking locations in Swansea, Somerset, Fall River, Dartmouth, New Bedford, Fairhaven, and Bristol, RI and lending offices in Taunton and Cranston, RI, BankFive is the right choice when you want to keep your money in your community. Our team members are smart, they’re friendly, and they can find the right banking products to simplify your life or business. Why? Because they’re a part of this community, just like you are.

When you want community-oriented personal banking, business banking, and investment planning, trust BankFive to deliver. We know the communities we serve; now let us get to know you.

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