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Checking Plus

Looking for a checking account that's truly free? Look no further than Nassau Financial's Checking Plus. This account features no monthly service charges. . .no minimum balance. . .no per item fee. . .and more. Designed to save you money while offering all the conveniences of checking, Checking Plus is one of the best values around.

Plus, open Checking Plus and Direct Deposit at the same time and you'll earn a $50 deposit from us! 

Enjoy These Checking Plus Features

  • FREE checks with Direct Deposit
  • FREE Early Pay* of Direct Deposit
  • No minimum balance
  • No monthly service fees**
  • FREE Visa® Check Card (debit card)***
  • FREE Mobile-24 Banking
  • FREE Access-24 Online Banking
  • FREE Online Bill Payment
  • FREE eStatements
  • FREE Call-24 Telephone Banking
  • FREE Visa® Platinum Credit Card††
  • FREE financial planning service
  • FREE coin sorting machine in most branches
  • FREE Notary Public service
  • Overdraft Privilege service
  • Dividends on average daily balances of $750 or more
  • Savings Federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency
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Early Pay*

“Early Pay” allows you access to electronic deposits up to 2 days early. Many companies and government agencies send payments electronically. Other financial institutions tend to hold your funds; at Nassau Financial, if you have direct deposit with us and we receive your funds early, we’ll make them available to you! Sign up for Checking Plus with Direct Deposit and you’re automatically enrolled.

Visa® Check Card

This handy debit card, automatically offered with and linked to your Checking Plus Account, allows you to make purchases or withdraw cash wherever Visa® is accepted. Swipe, sign, and go - purchases are deducted from your Checking Plus Account, eliminating the need to write a check or wait for ID approval. The Visa Check Card also doubles as an ATM card, so you can withdraw cash or check account balances at ATMs worldwide.†††

 You also can get cash back at many retail locations at no extra cost. All transactions are itemized on your monthly statement for easy tracking.

Verified By Visa provides added security for all of your online purchases whenever you use your Nassau Financial Visa® Check Card. Click here to register or get more information.

Apply Now

Overdraft Privilege

Members may benefit from the advantages of the Overdraft Privilege service included with our Checking Plus Accounts.

Here's how it works: Your Overdraft Privilege helps you avoid returned items by making discretionary courtesy payments to cover insufficient funds up to $750 on checks, ACH, and signature and PIN based debit purchases. Each time you overdraw your account and we cover your check or purchase, we'll charge our paid NSF (not sufficient funds) handling fee of $25. But that's all you'll pay. Whether your overdraft will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, you have too many overdrafts, or you do not bring your account to a positive balance for at least one full business day within a 30 day period. Remember, there's no cost for this service if you don't use it.

Your Overdraft Privilege. It's simple. It's convenient. See disclosure for further details. For questions, call us at 516-742-4900 or 1-800-216-2328.

Overdraft Privilege Disclosure

We serve everyone who lives, works, worships, volunteers or attends school in Nassau County, NY. A maintained Savings Account balance of $5 is required. *Must have direct deposit into a Nassau Financial checking account to qualify. Early Pay offers immediate credit of your direct deposit to your Checking Plus account up to two (2) days early based upon when we receive your funds. Nassau Financial cannot assume any liability for not depositing these funds to your account early. Offer subject to change without notice. **An inactivity fee of $5 will be charged for each month when there is no activity on the account for the previous three months and the average daily balance falls below $750. ***The Visa® Check Card is free. Transactional, inactivity, or lost/stolen card fees may apply. †Requires eStatements (online presentment of your monthly statement). ††Subject to credit approval. No annual fee provided you use the card at least four (4) times during the year. †††Subject to qualification. Surcharge free transactions at Nassau Financial ATMs, ATMs in the CO-OP Network, ATMs in the Alliance One Network, and at King Kullen Long Island stores. At foreign ATMs, first five withdrawals and first five transfers each month are free; after five, a $1.00 per transaction Nassau Financial fee is charged. Foreign institutions may also impose a surcharge.