The Best Banks & Credit Unions in New York That Offer Second Chance Bank Accounts

Editor's Choice

BBVA Online Checking

BBVA is one of the most well-known banks for New York residents that are looking for a second chance bank account.

You can open this account with as little as $25 for your initial deposit.

Features and Benefits

  • Bad credit OK
  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online and mobile banking facilities included
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

Recommended For:

Right now, a free checking account at BBVA is the only trusted option for customers looking for a Second Chance Checking account with high approval rate and excellent features and conditions. Use this opportunity to rebuild your credit while having a bank account with no restrictions.

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in New York that offer second chance banking and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if there are any proven, top picked solutions are available in your area (listed above) or on our page with best non-ChexSystems banks and other banking alternatives.

See more: Comprehensive List of Non-ChexSystems Banks

This page is updated regularly, so please consider adding it to your bookmarks.

Alternatives Federal Credit Union Fresh Start Checking

Financial Trust Federal Credit Union 2nd Chance Checking

Fulton Savings Bank Second Chance Checking

Genesee Valley Federal Credit Union Fresh Start Checking

UFirst Federal Credit Union Second Chance Checking

Melrose Credit Union

Form of Verification: Quick Address Pro

Email from Bank:

We use Quick Address Pro

Types of Accounts Offered: Personal checking and savings

Learn more about Melrose Credit Union

People's Alliance Federal Credit Union

Special Notes:

Do not mention that you have found this account through our site, it will cause them to be suspicious that you have had problems with other banks

Email from Bank:

We do not use anything.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about People's Alliance Federal Credit Union

Access Federal Credit Union

Special Notes:

I called all locations and verified that they do not use chexsystems

Types of Accounts Offered: Personal checking and savings

Learn more about Access Federal Credit Union

Bank of Richmondville

Form of Verification: ID

Email from Bank:

No we do not use chexsystems.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Bank of Richmondville

Alternatives Federal Credit Union

Special Notes:

I asked if they use chexsystems and this was the reply: We use a type of credit report that assesses checking account history.

Email from Bank:

You should know that, even if you've had difficulty maintaining a positive checking balance in the past, Alternatives still offers a Fresh Start account:

The Fresh Start account is available for members who do not qualify for our regular account due to prior difficulties maintaining a positive balance. We understand that there may be unforeseen circumstances causing financial hardship. In keeping with Alternatives mission to provide access to transactional services and serve the underserved, we think everyone deserves a second chance. This account offers the opportunity of a Fresh Start.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Alternatives Federal Credit Union

Banks and Credit Unions That Offer Second Chance Banking by State

AlabamaLouisianaOklahoma
AlaskaMaineOregon
ArizonaMarylandPennsylvania
ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
ConnecticutMississippiTennessee
DelawareMissouriTexas
District of ColumbiaMontanaUtah
FloridaNebraskaVermont
GeorgiaNevadaVirginia
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota
KentuckyOhio