When do I need to begin fulfilling the requirements to earn one of the higher APYs after the promotion ends?

The promotions for the HMBradley Deposit Account with New York Community Bank, a division of Flagstar Bank, N.A. (“NYCB”) are effective from September 29, 2022 through March 31, 2023.

Beginning April 1, 2023 and thereafter, customers must satisfy the direct deposit and positive cash flow requirements to earn 3.00% APY in the following month.

Beginning April 1, 2023 and thereafter, customers must satisfy the direct deposit, positive cash flow, and credit card spend requirements to earn 4.00% APY in the following month.

You can review the specific requirements and APYs here.

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