New York Second Chance Checking and Non ChexSystems Banks

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If you have ChexSystems or EWS records in New York open a new account at a New York second chance bank. There’s no reason to go without a bank account when there are banks in New York that don’t use ChexSystems.

Get a fresh start at checking with a traditional bank in New York. ChexSystems and EWS records can remain on your reports up to 5 years. That’s a long time to conduct financial transactions without a bank account.

New York ranks among the highest in unbanked household with roughly 8 percent of New York households classified as “unbanked,” meaning they don’t have checking or savings accounts, according to a 2017 survey by the Federal Deposit Insurance Corporation. An additional 17 percent are considered “underbanked” because they have bank accounts but still use alternative financial services like check cashers.

Being unbanked in New York means paying check cashing stores, purchasing money orders or depending on a prepaid debit card. Plus, if you use cash to pay bills you can lose or misplace receipts. Using a bank to conduct financial transactions is safer and more convenient — plus saves you money on fees.

Get back into banking and stop wasting money at check cashing stores and with prepaid card fees.

Take advantage of second chance checking in New York. If ChexSystems, EWS or imperfect credit has kept you from opening a new bank account, get a fresh start with second chance checking accounts in New York.

Here is a comprehensive list of New York second chance checking accounts and New York banks that don’t use ChexSystems:

New York Second Chance Checking and Non-Chexsystems Banks

BBVA Online Checking

BBVA offers an online checking account that utilizes EWS to verify new customers. It’s a no monthly Service Charge account that makes it easy to manage your money on the go with mobile banking. Customers enjoy free checking, unlimited check writing, cashback in categories like gas and groceries throughout the year. Free ATMs at BBVA and at 64,000 AllPoint ATMs in the network. Bill payment and mobile check deposit also included, you can even deposit cash at some AllPoint ATM locations.

What else can you expect from this checking account?

  • Apply with only $25 opening deposit
  • No monthly Service Charge
  • Earn cash back on everyday debit and credit card purchases
  • Complimentary Online Banking and Mobile Banking, Bill Pay and Online Statements
  • No ATM withdrawal fees at any BBVA or Allpoint® ATM. Deposit cash at some AllPoint ATMs.
  • BBVA USA, Member FDIC

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Chime

Chime is primarily a spending account to conduct your daily expenses that anyone can open. Get paid up to 2 days early with early direct deposit. Other features include no overdraft fees and no monthly service fees. If you need a check written, Chime will create and mail a paper check for you at no charge. No opening deposit required. If you open a savings account too, you can save money when you make a purchase or pay a bill with your Chime Visa® Debit Card. Chime will round up transactions to the nearest dollar and transfer it to your savings account.


Brooklyn Cooperative Federal Credit Union

A Savings Account is required to join. There is a minimum $5.00 required to open plus a $20.00 application fee.

Alternatives Federal Credit Union

A Fresh Start Account that offers you a chance to rebuild your credit. There is no minimum opening deposit, no monthly service fee and no minimum balance requirements.

Melrose Credit Union

Any resident in New York should be able to open an account at Melrose Credit Union. Proper identification is required.

People’s Alliance Federal Credit Union

Proper identification is required to open new accounts.

Access Federal Credit Union

Proper identification is required to open new accounts.

Bank of Richmondville

Proper identification is required to open new accounts.

Compass Credit Union

Proper identification is required to open new accounts.

MTC Federal Credit Union

Proper identification is required to open new accounts.

Westside Community Federal Credit Union

Proper identification is required to open new accounts.

Ticonderoga Federal Credit Union

Proper identification along with a Social Security card is required to open new accounts.

Sidney Federal Credit Union

Proper identification is required to open new accounts.

Mohawk Progressive Federal Credit Union

Proper identification is required to open new accounts.

Maple City Savings Bank

Proper identification is required to open new accounts.

North East Alliance Federal Credit Union

Proper identification is required to open new accounts.

Neighborhood Trust Federal Credit Union

Proper identification is required to open new accounts.

Van Cortlandt Cooperative Federal Credit Union

Proper identification is required to open new accounts along with a Social Security card.

Bethex Federal Credit Union

Proper identification is required to open new accounts along with a Social Security card.

Fulton Savings Bank

They offer a Second Chance Checking Account designed for individuals who have had banking challenges in the past, and who are working to improve their financial reputation. The monthly fee is $9.95 and $7.95 with Direct Deposit.

Port Washington Federal Credit Union

Proper identification is required to open new accounts.

Bank United

They use Chexsystems but as long as the report does not indicate fraud and is paid, you can open a savings and checking. For the best results, only one bank should be reported

Meridia Community Credit Union

They use a credit report to open new accounts.

RT Federal Credit Union

They use a credit report to open new accounts.

Rochester and Monroe County Employees Credit Union

For a savings they use nothing but for a checking they use Experian credit report.

Bank Of The Ozarks

They offer a second chance checking called Pathway Checking that requires $50 to open and comes with a $10 monthly service fee.

Genesee Valley Federal Credit Union

They offer Fresh Start Checking that after 6 months without any negative activity, can be converted to a free checking account product at the member’s request.

UFirst Federal Credit Union

They offer a Second Chance Checking Account.

Webster Bank

They offer second chance checking called Opportunity Checking if you’ve had trouble qualifying for a checking account in the past.

Non-ChexSystems Banks by State

Second chance banking is available in all 50 States. Find additional options in your area and share the list of second chance banks with friends and family that may be unbanked.

 

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