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

ChexSystems can be a real pain to deal with when you’re trying to get a bank account opened in your name. It was established as a system to monitor and screen people who are looking to open checking and savings accounts. But the side effects of this kind system can result in you being unable to open a bank account even if you haven’t done anything shady.

Fortunately, there are still more than a couple of banks in New York that don’t use ChexSystems for verification. We’ll be looking at some of these banks as well as what your options look like if you get flagged by ChexSystems.

Your Top Pick

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.

Why is it recommended for you?

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.

  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online and mobile banking facilities included
  • Customizable banking alerts
  • No hidden fees or ATM charges
  • Online & mobile banking facilities included
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

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

Open a BBVA Account Now!

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in New York that do not use ChexSystems 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

Another note to add is that it's a good idea to get your free annual report and try to dispute ChexSystems.

This list also contains email responses from banks as well as applicants’ personal experiences and comments. 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

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