Flushing Bank logo

Flushing Bank in Brooklyn, NY

3.9/5

Community-based bank in NY offering personal and business checking, savings, CDs, lending, and mobile banking with a relationship-focused approach.

Data compiled from public sources · Rating from CreditDoc methodology

Flushing Bank Review

Flushing Bank is a New York-based community bank that operates under the tagline 'Small enough to know you. ' The bank serves customers across Queens, Brooklyn, Manhattan, and Long Island with physical branch locations and ATM access. As of October 2020, Flushing Bank merged with OceanFirst, integrating their operations while maintaining their community banking philosophy.

The institution positions itself at the intersection of local, personalized service and the resources of a larger commercial bank. Flushing Bank offers a comprehensive suite of banking products including personal checking and savings accounts, certificates of deposit (CDs), complete checking with cash bonus rewards, business checking and savings accounts, and merchant services. On the lending side, they provide business loans, commercial mortgages, and residential mortgages with competitive rates and flexible terms.

The bank also facilitates money transfers through Zelle and offers bill payment services, along with mobile banking capabilities through their Flushing Bank app that enables check deposits, balance viewing, and bill payment from mobile devices. The bank distinguishes itself through its relationship-based banking model, emphasizing personalized attention alongside commercial bank conveniences. They maintain physical branch locations available for both walk-in and appointment-based services across multiple NYC areas.

Their marketing emphasizes community focus and the ability to provide tailored solutions rather than one-size-fits-all products. The bank actively communicates security awareness, including warnings about phone spoofing and fraudulent impersonation attempts, demonstrating customer protection awareness. Flushing Bank is a traditional full-service bank suitable for customers seeking established banking relationships with local accessibility.

However, the website content does not provide specific information about fee structures, interest rate details, credit requirements, or comparative product advantages. Customers should directly contact the bank or visit branches for detailed terms and conditions. The bank's multi-language support (English, Spanish, Chinese) reflects its diverse Queens-based customer base.

Services & Features

ATM access and branch locations
Bill payment services
Business checking and savings accounts
Business lending and business loans
Cash management solutions for businesses
Commercial mortgages
Merchant services
Mobile banking app with check deposit, bill pay, and balance viewing
Personal checking accounts with cash bonus rewards
Personal savings accounts and certificates of deposit (CDs)
Residential mortgages
Zelle money transfer service

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Community-based relationship banking model combining local attention with commercial bank resources and convenience
  • Multiple branch locations across Queens, Brooklyn, Manhattan, and Long Island with walk-in and appointment availability
  • Comprehensive product suite including personal accounts, business banking, lending, mortgages, and merchant services
  • Mobile banking app enabling check deposits, balance viewing, bill payment, and account management from phone
  • Zelle integration for fast, safe money transfers directly from the platform
  • Multi-language support in English, Spanish, and Chinese reflecting diverse customer base
  • Active security awareness messaging and fraud prevention education for customers

Cons

  • Website does not disclose specific fee structures, minimum balance requirements, or interest rates for products
  • Limited information about credit requirements, approval criteria, or loan terms and APRs
  • No online account opening or digital onboarding details provided on the website
  • Merger with OceanFirst (October 2020) may indicate ongoing integration and potential service or system changes
  • No information about whether accounts or products are FDIC insured or insurance limits

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.7
Transparency
3.5
Ease of Use
3.9

Frequently Asked Questions

Is Flushing Bank legitimate?

Yes. Flushing Bank is a registered company, headquartered in 186 Montague St, Brooklyn, NY 11201.

Quick Facts

Headquarters
186 Montague St, Brooklyn, NY 11201
BBB Accredited
No
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Flushing Bank

CreditDoc Diagnosis

Doctor's Verdict on Flushing Bank

Flushing Bank is best for customers in the New York area seeking established community banking with local branch relationships and a full range of personal and business banking services. The main caveat is that the website provides minimal detail on specific rates, fees, and terms—prospective customers must contact the bank directly or visit branches to understand product-specific pricing and requirements.

Best For

  • Queens, Brooklyn, Manhattan, and Long Island residents seeking relationship-based local banking with branch accessibility
  • Small business owners needing personalized business checking, merchant services, and business lending solutions
  • Customers who value bilingual or multilingual banking support in Spanish or Chinese
  • Homebuyers and commercial property investors seeking competitive mortgage and commercial lending options
Updated 2026-04-29

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