Signing up for a standard checking account can offer a host of benefits to New York residents. You can use a debit card for online purchases and even potentially avoid predatory financial services looking to take advantage of unbanked populations.

But with a growing population throughout the state using cash instead of checking, it may be time to revisit the prospect of working with a bank or credit union.

Many banks in New York don’t use ChexSystems as a reference during the application process, so you can avoid being denied due to previous banking fractions. It can often be difficult to get back into the banking system if you have negative records in ChexSystems.

Another option is to select a second chance checking account. These frequently come with a low monthly fee and let you rebuild your checking history and later upgrade to a better account.

Non-ChexSystems & Second Chance Banks in New York

For New Yorkers looking for a second chance checking or a Non-ChexSystems bank, we’ve got the comprehensive list below.


Our Top Pick
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on Chime's secure website

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.

The Chime Spending Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit with the Chime Credit Builder Visa Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
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on Current's secure website

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

A Current mobile banking account includes fee-free overdraft protection of up to $100. You also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

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Our Third Pick
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on Sable's secure website

Sable allows you to open a bank account with a debit card and secured credit card in just 5 minutes.

There are no credit checks, no fees, and no minimum deposit required. You can also get an unsecured credit card in about 4 months after using your secured card. That’s 3x faster than what traditional banks offer.

The Sable credit card offers 2% cashback on your favorite brands.

To open a Sable account, you don’t need a social security number or U.S. credit history. You can also send money to 55+ countries and get multilingual customer support.

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ACCESS Federal Credit Union

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on ACCESS' secure website

In order to qualify for checking at ACCESS Federal, you need to live, work, worship, or go to school anywhere in Oneida County or the City of Oneida.

There are three checking options available at ACCESS FCU. The free option is called Regular Checking. In addition to no monthly fee, there’s also no minimum opening deposit. You get the usual perks like online and mobile bank, plus free access to bank-to-bank transfers and PopMoney.

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Affinity Federal Credit Union

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on Affinity's secure website

Affinity FCU won’t access ChexSystems or a credit report; instead, they look at their own specific membership requirements. To be eligible, you must be associated with one of 2,000 businesses in the Affinity network or one of the qualifying clubs or associations. They’re based out of New Jersey, but have several branch locations throughout New York state.

Consider Affinity Checking when you’re just getting back into the banking system. There’s no minimum deposit or balance that must be maintained. Like all other accounts, you just need a $5 balance in your Affinity FCU share account.

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Alternatives Federal Credit Union

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on Alternatives FCU's secure website

Alternatives FCU offers Fresh Start Checking, a free account that helps you rebuild your financial history. You get unlimited check writing and after three months of positive activity, you can get a Visa debit card. There’s no minimum balance or minimum deposit required.

They’re based in Ithaca, with a branch as well as multiple ATMs located throughout that city, as well as Dryden and Trumansburg.

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Bank of Richmondville

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on Bank of Richmondville's secure website

Bank of Richmondville has its own personalized approach to taking applications, rather than using ChexSystems. Headquartered in Richmondville, the bank also has locations in Cobleskill and Schoharie.

Personal Basic Checking is a low-cost option with basic services available. The opening deposit requirement is just $25 and the monthly fee is a mere $3. Plus, there’s no balance requirement each month moving forward. If you combine it with a Cash Reserve account, you can sign up for overdraft protection.

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Bank OZK

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on Bank OZK's secure website

Bank OZK offers Pathway Checking, designed to get people banked if you’ve been turned down by other financial institutions. You do need $50 to open the account, but there isn’t a minimum balance you’re required to maintain month after month.

Pathway Checking comes with a $10 monthly fee, which gives you access to benefits like unlimited check writing, a Visa debit card, and online/mobile banking.

There’s one branch location in the state of New York, which is at Rockefeller Plaza in Manhattan. With a strong online presence, however, you could easily live elsewhere in the state and still take full advantage of Bank OZK’s services.

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Bank United

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on Bank United's secure website

Bank United has eight locations in the New York City area. It’s a ChexSystems bank, but it’s more lenient with negative reports than other banks. As long as there’s no issue with bank fraud, and all accounts have been settled and paid, Bank United will likely open an account with you.

Each account with Bank United comes with a free debit card, free mobile and online banking, and free direct deposit. Currently, Bank United offers four options for you to choose from including Vertical Rewards Elite Checking, Relationship Checking, Value Checking, and a Health Savings Account. Value Checking has a low monthly service fee of $7 and requires an initial deposit of only $50.

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Brooklyn Cooperative Federal Credit Union

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on Brooklyn Cooperative's secure website

Brooklyn Cooperative has two branch locations in Brooklyn and opens membership to anyone who lives, works, volunteers, worships, or attends school in designated Brooklyn and Queen districts.

The following Brooklyn localities are accepted: Bedford Stuyvesant, Bushwick, East New York, Prospect Heights, Crown Heights, Weeksville, Wingate, Prospect Lefferts Gardens, Ocean Hill, and Brownsville. Maspeth, Middle Village, Glendale, and Ridgewood of Queens are also accepted.

To join, you must open up a savings account and deposit $25. $5 of that $25 is a one time fee, but the rest is directly deposited into the savings account. There are no monthly fees.

However, if your account falls below $1,200, there is a monthly fee of $6. All accounts come with free online bill pay, unlimited debit transactions, and four free ATM withdrawals a month.

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Compass Credit Union

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on Compass CU's secure website

Compass requires new applicants to provide proper identification prior to membership. This is done to help guarantee that the applicant lives works, volunteers, worships or attends school in Oswego County. An initial deposit of $5 is also required to open a savings account. Currently, they have seven locations throughout Oswego County.

There are no minimum balance requirements or monthly fees. New account holders also get their first box of checks for free. Compass CU offers a variety of checking and savings accounts to meet each member’s individual needs.

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Fulton Savings Bank

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on Fulton Savings Bank's secure website

Located at 75 South First Street in Fulton, NY, Fulton Savings offers second chance checking for applicants who have had banking troubles in the past. The second chance bank accounts come with a variety of perks. Members enjoy:

  • Unlimited check writing
  • Direct deposit
  • Free debit card
  • Free phone banking
  • Free mobile banking
  • Free online banking

The monthly service fee is only $9.95 a month, but if you sign up for direct deposit it’s only $7.95 a month.

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Genesee Valley Federal Credit Union

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on Genesee Valley FCU's secure website

Genesee Valley FCU offers Fresh Start Checking for applicants who have had banking troubles in the past. At the member’s request, he or she can upgrade to a standard account after only six months.

The account must be kept in good standing for the entire six months, meaning no overdrafts or records of non-sufficient funds. It doesn’t require a monthly minimum balance, but it does have a low monthly service fee.

Genesee has locations in Geneseo, Dansville, and Warsaw. Applicants must make an initial deposit of $5 into a savings account, and be able to provide a social security number, phone number, and a valid New York State license or passport.

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Maple City Savings Bank

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on Maple City Savings Bank's secure website

To open an account with Maple City Savings Bank, applicants must be able to provide a valid New York State license or current, up-to-date passport. Maple City currently has two locations in Hornell.

Maple City offers three checking options for members: Kasasa Cash, Kasasa Cash Back, and Health Savings Accounts. Kasasa Cash is a free, high interest savings account (3% APY on balances up to $10,000).

Account holders get the following perks for free:

  • Free online banking
  • Free bill pay
  • Free MasterCard debit card
  • Free eStatements
  • $20 a month ATM fee refunds

To open a Kasasa Cash account, new applicants must make an initial deposit of $25.

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Meridia Community Credit Union

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on Meridia Community CU's secure website

Meridia Community uses credit reports in lieu of ChexSystems, Telecheck, and EWS when screening new applications. As long as your credit report doesn’t have too many negative entries on it, you may be eligible to open a new account with Meridia. Currently, there are two locations in Hamburg and one in Eden.

Meridia doesn’t charge any fees, plus offers overdraft protection, free online and mobile banking, free unlimited check writing, and free ATM access that are at the Meridia branch or CU24 ATM network. They don’t require a minimum deposit to open an account or require a minimum balance.

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Neighborhood Trust Federal Credit Union

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on Neighborhood Trust's secure website

To become a member of Neighborhood Trust, applicants must complete a membership application form, provide a valid government-issued ID and a proof address. Neighborhood Trust currently only has one location on 1112 St. Nicholas Avenue in New York City.

Neighborhood Trust FCU offers unlimited check writing and overdraft protection. The minimum balance required is $500. There is a $6.50 fee if your checking and savings account falls below $550. To open an account, you must make a minimum deposit of $25.

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People's Alliance Federal Credit Union

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on People's Alliance's secure website

People’s Alliance FCU allows new applicants to join if they meet certain eligibility requirements. Most residents of New York City live within the geographical parameters.

Individuals who work with select employers within the People’s Alliance network are also eligible. They have locations in Jamaica, Brooklyn, Westbury, Ronkonkoma, Yonkers, Hauppauge, and JFK Airport.

People’s Alliance offers four options for checking: PAFCU Standard Checking, Golden Checking, Business Checking, and Checking Plus.

Standard Checking doesn’t require a minimum balance nor does it charge a monthly service fee. No matter which account you choose, each account comes with a set of starter checks, direct deposit, and overdraft protection.

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Port Washington Federal Credit Union

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on Port Washington FCU's secure website

Port Washington FCU is located on Main Street in Port Washington. Membership is available to anyone who lives, works, or worships in Port Washington, Manhasset, Roslyn, Sands Point, Kings Point, or Great Neck. Anyone who is employed by North Hempstead is also eligible to join.

Checking with Port Washington has a number of benefits. Some of the perks include automatic payroll deduction, direct deposit, and if you get a savings account, your balance will earn high-interest dividends.

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Rochester and Monroe County Employees Credit Union

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on Rochester and Monroe County CU's secure website

Rochester and Monroe County Employees doesn’t use ChexSystems, but instead refers to each applicant’s Experian credit report. As long as you don’t have too many dings on your credit report, you may be eligible to open a checking or savings account with Rochester and Monroe.

Membership is available to all employees of the City of Rochester and the County of Monroe (as well as some other smaller towns and villages in surrounding areas).

They have three locations in Rochester. They offer payroll deduction, direct deposit, ATM/ debit cards, and online banking to all of its members.

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RT Federal Credit Union

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on RT's secure website

RT Federal uses credit reports when evaluating applications for new members. As long as the credit report is average and doesn’t have too many negative entries on it, RT will likely accept the application. Membership is also contingent upon whether the applicant is a student employee or retiree from select school and libraries within New York.

An account with RT Federal CU comes with online banking, direct deposit, a free Visa debit card, and an easier application process for select personal loans.

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Sidney Federal Credit Union

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on SFCU's secure website

Sidney Federal offers membership to applicants who live, work, or attend school in Oneonta, Sidney, and surrounding areas. Sidney Federal has nine branch locations in Sidney, Bainbridge, Delhi, Greene, Hancock, Norwich, Oneonta, and Walton. Additionally, each member can access his or her account through numerous shared service centers.

Checking with SFCU comes with 24/7 ATM access and free online and mobile banking. There is no minimum balance requirement, and you don’t have to worry about any monthly service charges. If you sign up for direct deposit, you get a box of free checks, plus each account comes with free overdraft protection.

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UFirst Federal Credit Union

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on UFirst's secure website

UFirst FCU is available to anyone who lives works, worships, or attends school in Clinton County. To apply, applicants need to provide a social security number, a license or government issued ID, proof of address and a telephone number. UFirst currently has four branch locations in Plattsburgh and Rouses Point.

UFirst has two savings account options and two checking account options for new members: Share Savings Account, Share Draft Checking, Lucky Savers, and Youth and Student Checking.

Share Draft Checking comes with a free Visa debit card, 10 debit card uses a day, 50 free checks, and a $500 a day ATM cash withdrawal limit.

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US Alliance Financial

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on US Alliance Financial's secure website

US Alliance Financial requires applicants provide a form of government issued ID, as well as their social security card. They have multiple locations throughout New York City and nearby areas. At the moment, the other branches are located in White Plains, Purchase, Port Chester, Bronx, New York, Wayne, Hopewell Junction, and Wallkill. They also have two locations in West Haven, Connecticut.

A checking account with US Alliance doesn’t have any monthly service fees, nor does it require a minimum balance. Each member gets free online and mobile banking, free bill pay, a free debit card, and free monthly credit score updates.

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Van Cortlandt Cooperative Federal Credit Union

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on Van Cortlandt Cooperative's secure website

Van Cortlandt is located on Hillman Avenue in the Bronx. To become a member, applicants must meet the eligibility requirements. However, there are a few options for this:

  • Be a resident of Amalgamated, Park Reservoir, Mutual, Orloff Towers, or Cannon Heights Cooperatives
  • Be employed or go to school at Amalgamated Housing Corp, Amalgamated Nursery school or Ampark Neighborhood school
  • Have an immediate family who is already a member

Van Cortlandt has both checking and savings account options for its members. Their Free Share Draft Checking doesn’t have a minimum balance requirement or charge any fees for written checks. It comes with free online banking and free bill pay.

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Webster Bank

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on Webster Bank's secure website

Webster Bank offers second chance checking called Opportunity Checking. It requires an initial deposit of $50 and has a monthly service fee of $16.95. This amount can be lowered to $11.95 if you sign up for direct deposit.

Opportunity Checking comes with free mobile banking, access to over 300 surcharge-free ATMs, a free debit card, free online banking, free bill pay, and free balance alerts. Webster Bank has locations in Yonkers, New Rochelle, Larchmont, White Plains, Scarsdale, Rye, Greenwich, as well as multiple locations in Connecticut.

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Westside Community Federal Credit Union

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on Westside Community FCU's secure website

Westside Community FCU is located in Churchville and allows anyone within its field of membership to join. Anyone who lives or works in Chili, Churchville, Ogden, Riga, and Sweden is allowed to join. A completed application must be submitted and a minimum of $5 deposited into a savings account before membership can begin.

Westside Community offers multiple savings account options, but also has a completely free share draft account option. Its checking share draft account doesn’t have a monthly service fee or a minimum balance requirement, and also doesn’t charge any fees for written checks.

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