New York Community Bank Apps

NYCB DEBIT+ helps protect your New York Community Bank andMyBankingDirect debit cards by sending transaction alerts andgiving you the ability to define when, where and how your cards areused. Simply download the NYCB DEBIT+ app to your smartphone, thencustomize your alert preferences and usage settings to monitor andmanage your cards. Alerts Ensure Safe, Secure Card Usage Alerts forPIN and Signature transactions can be set up to keep you informedof your debit card usage and help you quickly detect unauthorizedor fraudulent activity. The app can send an alert when a card isused or when a transaction has been attempted but is declined – andadditional customizable alert options are available. Alerts areimmediately after a transaction has taken place. Location BasedAlerts and Controls The My location control can restricttransactions to merchants located within a certain range of yourlocations using your phone’s GPS, transactions requested outsidethe specific range can be declined. The My Region control usescity, state country or zip code on an expandable interactive map,transactions requested by the merchants outside of a specificregion can be declined Usage Alerts and Controls Spending limitscan be established to allow transactions up to a certain dollarvalue and decline transactions when amounts exceed your definedthresholds. Transaction can be monitored and managed for specificmerchant categories such as gas stations, department stores,restaurants, entertainment, travel and groceries. And youtransaction can also be monitored for specific transaction types instore purchases, e-commerce transactions, mail/phone orders and ATMtransactions Card on/off Setting When the card is “on” transactionsare allowed in accordance with your usage settings. When the cardis “off” no purchase or withdrawals are approved until the card issubsequently turned back to “on”. This control can be used todisable a lost or stolen card, prevent fraudulent activity

NYCB Mobile – Banking on the Go! A safe, secure and convenientwayto manage your money from virtually anywhere, at any time.ONDEVICE ENROLLMENT: ● Enroll for mobile banking and onlinebankingdirectly from the mobile banking application. ● Onceenrolled, youcan use the credentials created to access both onlinebanking andmobile banking. MANAGE YOUR BANK ACCOUNTS: ● FingerprintLogin toquickly and securely login for supported devices1. ● Getyourinstant balance from the home screen without having to log in.●View your account transaction history and balances2. ● Viewcheckimages. ● Setup alert preferences, receive email, push ortextalerts and view alert history2. ● Transfer money betweenyoureligible NYCB accounts2. ● Use the convenient "RememberMe"function for easy login. PAY BILLS & PEOPLE: ● Viewyoure-Bills and schedule payments. ● Setting up payees is a snap!WithPhoto Bill Capture, take a photo of your bill using yourmobiledevice and the company is added automatically. ● Send moneytopeople you know with Zelle®! Securely send and receive moneywithZelle using and email address or a U.S. mobile phonenumber.ACCOUNT ALERTS: ● Register your device for text alerts, pushalertsand email alerts. You can set up your alerts preferencesdirectlyfrom NYCB Mobile. ● Various alerts available, includingbalancealerts, transaction alerts, and security alerts. NYCBMOBILEDEPOSIT: ● Deposit checks from your mobile device directly toyouraccount with on-screen limits3. NYCB DEBIT+: ● Manage how youwouldlike to use your NYCB Debit Card, with enhanced controls.Thisfunctionality requires a separate NYCB app download to utilizeallof the enhanced features available. Some of the featuresincludemonitoring and controlling the spending limit andcardtransactions, turning card on and off for transactions,settingalerts and more. FIND LOCATIONS: ● Locate the nearestbranches andATMs using your current location, zip code or address.NYCB Mobileis available for eligible New York Community BankandMyBankingDirect customers and accounts that have registeredforNYCB Online or NYCB Mobile. Some features may not beavailablethrough NYCB Mobile and can only be accessed by logginginto NYCBOnline at mynycb.com or mybankingdirect.com. ABOUT US: NewYorkCommunity Bank ranks among the largest thrifts in the nation.Ourroots go back to 1859, when we were charted by the State ofNewYork in Queens, a borough of New York City. Today with over230branch locations throughout the New York Metropolitan area,LongIsland, Westchester County, New Jersey, Ohio, Florida andArizona,we operate through eight local divisions - Queens CountySavingsBank, Roslyn Savings Bank, Richmond County Savings Bank,RooseveltSavings Bank, Atlantic Bank, Garden State Community Bank,OhioSavings Bank and AmTrust Bank –each with a history of serviceandstrength to the communities they service. For moreinformationvisit us at myNYCB.com or call us at (877) 786-6560.Standardmessaging and data rates may apply when using mobile andtextbanking. 1Supported device is needed. 2Subject tocertainlimitations. 3Deposits made via NYCB Mobile Deposit mayappearreal-time in Transaction History however availability offunds issubject to Bank review. Deposit limits apply. Zelle and theZellerelated marks are wholly owned by Early Warning Services, LLCandare used herein under license. New York Community Bank -MemberFDIC

Conduct your business banking from virtually anywhere at anytimewith NYCB Business+! Whether you’re a small business thatjustneeds to check account balances and pay bills or a largerbusinesswith more robust needs, such as – Remote Deposit Capture,Lockboxand Account Reconciliation/Positive pay, NYCB Business+ willhelpyou meet your business banking needs! NYCB Business+ features:•For NYCB Business customers o 24/7 Account access o Viewpendingtransitions o Transfer funds between your accounts • ForNYCBBusiness Corporate customers o 24/7 Account access o Viewpendingtransitions o Originate ACH and/or Wires o Approve or cancelACHand/or Wires o Make mobile deposits o Transfer funds betweenyouraccounts o Approve Positive Pay transactions NYCB Business+isavailable for eligible New York Community Bank customersandaccounts that have registered for NYCB Business or NYCBBusinessCorporate. Some features may not be available through NYCBMobileand can only be accessed by logging into NYCB Business orNYCBBusiness Corporate. ABOUT US: New York Community Bank ranksamongthe largest thrifts in the nation. Our roots go back to 1859,whenwe were charted by the State of New York in Queens, a boroughofNew York City. Today with over 230 branch locations throughouttheNew York Metropolitan area, Long Island, Westchester County,NewJersey, Ohio, Florida and Arizona, we operate through eightlocaldivisions - Queens County Savings Bank, Roslyn SavingsBank,Richmond County Savings Bank, Roosevelt Savings Bank,AtlanticBank, Garden State Community Bank, Ohio Savings Bank andAmTrustBank –each with a history of service and strength tothecommunities they service. For more information visit usatmyNYCB.com or call us at (877) 786-6560. Standard messaginganddata rates may apply when using mobile and text banking.