Our Solutions
Checking Accounts
We offer checking account options that combine exclusive banking benefits with access to a team of financial professionals that can help you with all your wealth management needs.
We offer checking account options that combine exclusive banking benefits with access to a team of financial professionals that can help you with all your wealth management needs.
NY State Basic Banking Account
Available to any individual acceptable to the Bank who 1) Is a resident of New York State; 2) Has recurring payments such as, but not limited to, social security, wage, or pension payments, made directly to the Bank where direct deposit is available; and 3) Does not maintain any other transaction accounts with the Bank. The Account must be maintained primarily for personal, family or household purposes.
Money Market Savings Accounts
Available to any individual acceptable to the Bank who 1) Is a resident of New York State; 2) Has recurring payments such as, but not limited to, social security, wage, or pension payments, made directly to the Bank where direct deposit is available; and 3) Does not maintain any other transaction accounts with the Bank. The Account must be maintained primarily for personal, family or household purposes.
Invest in an account that offers higher money market interest rates and access to your funds. These accounts are limited in the number of monthly transactions as required by law.
Certificate of Deposits Savings Accounts
We offer a wide range of time deposit accounts with different maturities.
We offer a wide range of time deposit accounts with different maturities.
Secured and Unsecured Lines of Credit
Receive access to funds and highly competitive interest rates through our secured and unsecured lines of credit.
Term Loans
Our term loans provide our clients with the confidence to meet lump sum needs with competitive and transparent terms, rates and payment schedules.
Structured Time Deposits1
Enjoy the opportunities of a particular market while limiting your exposure to an unexpected market downturn. Our Principal Protected Structured Time Deposits allow you to achieve both objectives while participating in stocks, oil, commodities, currencies, arbitrage and even a basket of indexes, while enjoying 100% Principal Protection, if held to maturity.
Enhanced FDIC Protection Deposits for Higher Safety
Enjoy the opportunities of a particular market while limiting your exposure to an unexpected market downturn. Our Principal Protected Structured Time Deposits allow you to achieve both objectives while participating in stocks, oil, commodities, currencies, arbitrage and even a basket of indexes, while enjoying 100% Principal Protection, if held to maturity.
Enhanced FDIC Protection Deposits for Higher Safety
Protecting your wealth as you prepare for life’s big moments and unpredictable challenges is a top priority. This is why we offer Enhanced FDIC Deposits for Safety solutions for accounts that exceed the $250,000 FDIC limit. Our programs extend FDIC protection, with the convenience of a single account and personal service of IDB Bank. This is a perfect solution for cash management strategies focused on safety, liquidity and access to funds.
Visa Signature Card
Our IDB Visa Signature Card offers exceptional services, rewards and security. You can now make everyday purchases and consolidate your purchasing power while enjoying the premium feel of a sleek and durable metal credit card. Use your Visa Signature Card to dine out, travel, hotel, shop at grocery stores, buy gas and more wherever Visa credit cards are accepted. Contact us to get started.