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Debit card services will be temporarily unavailable for scheduled maintenance beginning at 4:00 PM ET on Monday, November 9, 2026.
Services will resume at 9:00 AM ET on Tuesday, November 10, 2026. We apologize for any inconvenience.
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Get up to $350 to do more New York.

When you open a New Checking account and receive direct deposit*.

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Time For A Ride That’s Yours

Auto loan options for 60 months as low as 4.99% APR*

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HOME LOANS

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First Time Homebuyers

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    We Get NYers More

    Whether you live, work, worship or attend school in NYC, we’re here to help you build better tomorrows. Join today!

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    We Get NYers More

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    Individual Retirement Account (IRA)

    Individual Retirement Account (IRA)

    A type of savings account designed to help individuals save for retirement.

    More Details

    An individual retirement account (IRA) is a type of investment account that is designed to help people save for retirement. There are several different types of IRAs, including traditional IRAs, Roth IRAs, and SEP IRAs (Simplified Employee Pension).

    Example

    You might decide to open a traditional IRA and contribute $500 per month to the account. The money you contribute to the account will be invested in the financial products you choose (such as stocks, bonds, mutual funds, etc.), and you hope to earn a return on your investment over time.

    Related Terms

    Certified Check

    A check that has been certified by the bank as having sufficient funds to cover the full amount, with the bank guaranteeing payment.

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    Secured Credit Card

    A credit card designed to help repair or establish credit with a predetermined credit limit secured by a collateral savings account.

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    Canceled Check

    A physical check that has been paid by the bank and cannot be used again. It may be returned to the payer with their bank statement.

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