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I started with this bank many many years ago when it was originally Ohio Savings Bank in the Cleveland area. Eventually it became AmTrust and then New York Community Bank changed it back to Ohio Savings when it acquired AmTrust.
NYCB has been very poor. The phone service is ok, but not good. They have been incredibly slow to modernize their Web site, add Web services, and barely offer mobile access. At some point they even changed the URL, but the old one was still active. I couldn't figure out why I couldn't login to my account for awhile because they never posted a note or redirected to the new location. I had to call to find out about this and the rep said something along the lines of, "Well, we can only do so much." Way to set the bar at the bottom rung.
When I wanted to setup an investment account at a branch, the account administrator was late both times. The second time I waited about an hour and no one bothered to let me know what was going on.
I've stayed because I'm a sucker and I feel bad giving up on accounts I've had for so long, but I'm finally cutting ties. I'd advise you to stay away.
NYCB has our mortgage, they bought Amtrust Bank, a bankrupt AZ bank. Their website, customer service rivals the worst 'Patty