Banks That Don’t Use ChexSystems in New York

Have you tried to open a checking account in New York, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in New York use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in New York

Take a look at this comprehensive list of banks and credit unions in New York that either don’t use ChexSystems, or offer second chance checking accounts.


Our Top Pick
LetMeBank’s rating
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Features & Benefits

  • Over 14.5 million downloads
  • No credit check or ChexSystems
  • No minimum opening deposit
  • Over 60,000 fee-free1 ATMs

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 Checking Account is 100% free and has no monthly fees:

  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance 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 60,0001 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit2. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.


Our Second Pick
LetMeBank’s rating
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Features & Benefits

  • No credit check or ChexSystems
  • No minimum balance or hidden fees
  • Fee-free overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • Get paid up to 2 days faster

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 bank account includes fee-free overdraft protection of up to $200. Account holders 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.


Our Third Pick
LetMeBank’s rating
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Features & Benefits

  • No minimum balance requirement
  • No monthly fees
  • No overdraft fees
  • Visa debit card, iOS and Android mobile app
  • Up to 2% cash back

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no ATM fees. You’ll also get up to 2% cash back on everyday debit card purchases.

Upgrade reimburses up to five out-of-network ATM fees per month if you meet certain conditions.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.

ACCESS Federal Credit Union

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.

It has the usual features like online and mobile bank, plus free access to bank-to-bank transfers and PopMoney.

Affinity Federal Credit Union

Affinity Federal Credit Union doesn’t use ChexSystems, Telecheck, EWS, or pull a credit report.

Affinity FCU offers two types of checking accounts, MoreChecking and Affinity Checking. The Affinity Checking option doesn’t require a minimum deposit or have a minimum balance requirement. There’s also no monthly fee.

The checking account comes with free online bill pay, free eBanking, and a debit card with access to over 30,000 nationwide ATMs.

Alternatives Federal Credit Union

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 and multiple ATMs located throughout that city, as well as Dryden and Trumansburg.


LetMeBank’s rating
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Aspiration’s Spend & Save Account is a hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

Axos Bank

Axos Bank doesn’t use ChexSystems or pull your credit report.

The Rewards Checking account from Axos Bank has no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and it comes with cash back rewards.

You get unlimited free mobile deposits and your funds are FDIC insured up to $250,000. Plus, there are no overdraft fees or non-sufficient fund fees.

There are no minimum balance requirements, and you’ll only need a $50 deposit to open the account.

Bank OZK

Bank OZK offers a second chance checking account called Pathway Checking. There’s a $50 minimum opening deposit, but no minimum balance requirement.

The monthly service fee is $10 and you won’t earn interest like some of Bank OZK’s other checking accounts.

Pathway Checking comes with a Visa debit card, plus unlimited check writing, online banking, and mobile banking. You also get bill pay, with 15 free payments a month and each one costing $0.50 after that. 

Bank United

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.

Brooklyn Cooperative Federal Credit Union

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.

Compass Credit Union

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.

Fulton Savings Bank

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.

Genesee Valley Federal Credit Union

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.

Meridia Community Credit Union

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.

Meridia doesn’t charge any fees. They offer overdraft protection, free online and mobile banking, and free unlimited check writing. Plus, you getfree ATM access at the Meridia branches or the CU24 ATM network.

They don’t require a minimum deposit to open an account or require a minimum balance.

Currently, there are two locations in Hamburg and one in Eden.

Neighborhood Trust Federal Credit Union

To become a member of Neighborhood Trust, applicants must complete a membership application form, provide a valid government-issued ID and a proof of address.

Neighborhood Trust currently only has one location at 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.

People’s Alliance Federal Credit Union

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.

RT Federal Credit Union

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.

Sidney Federal Credit Union

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.

UFirst Federal Credit Union

UFirst FCU is available to anyone who lives works, worships, or attends school in Clinton County.

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.

US Alliance Financial

US Alliance Financial has multiple locations throughout New York City and nearby areas. Currently, 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.

Account holders get free online and mobile banking, free bill pay, a free debit card, and free monthly credit score updates.

Van Cortlandt Cooperative Federal Credit Union

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.

Webster Bank

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.

Westside Community Federal Credit Union

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.

To begin membership, you must deposit $5 into a savings account. 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.

1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.