Second Chance Checking Accounts in New York

SoFi’s Checking and Savings account is designed to help you keep more of your money. There are no monthly maintenance fees, no overdraft fees, and no minimums to worry about.

Set up direct deposit, and you can unlock a sign-up bonus of up to $400, plus earn a competitive 3.30% APY on your savings. Checking accounts earn 0.50% APY as well.

You’ll also have access to over 55,000 fee-free ATMs and the ability to get paid up to two days early with direct deposit.

Current gives you a simple way to open a checking account without ChexSystems or credit checks. You can start building credit by using your debit card for everyday purchases, with no loans, hard inquiries, or interest involved.

There’s no minimum balance to maintain, no hidden fees, and access to thousands of fee-free ATMs across the U.S.

Current’s Premium account also includes early direct deposit and Savings Pods that earn up to 4.00% APY, helping your money grow without sacrificing flexibility.

Chime makes it easy to open a checking account, even if your banking history isn’t perfect. There are no monthly fees, no foreign transaction charges, and no minimum balance required.

You can also boost your credit with the Chime Credit Builder Visa®. It’s a secured card with no credit check, no annual fee, and no interest charges.

Chime gives you access to over 47,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

The account requires a $25 opening deposit and comes with a low monthly fee. You’ll receive a Visa debit card, access to online and mobile banking, and free eStatements.

After maintaining the account in good standing for 12 months, members may be eligible to upgrade to a standard checking account.

ADK Credit Union has branches in Malone, Tupper Lake, and Potsdam, New York.

The account has no minimum balance or opening deposit and includes unlimited check writing.

After three months of positive account activity, you may qualify for a Visa debit card.

Alternatives FCU has branches in Ithaca and Rochester, New York.

The account includes an AmeriCU Visa debit card, online and mobile banking, ATM access, ITM access, voice banking, and money management tools.

Fresh Start Checking may include safeguards such as low monthly fees, debit card transaction limits, ATM withdrawal limits, restricted access to some eServices, and no Courtesy Pay coverage.

After one calendar year of positive account history with no insufficient funds or returned transaction fees, you may be eligible to move into one of AmeriCU’s standard checking accounts.

AmeriCU has financial centers in Auburn, Cortland, Rome, Syracuse, Utica, Watertown, and Watertown-Fort Drum, New York, and more.

The account gives members access to basic checking services while they work toward rebuilding their banking history.

Amherst FCU also offers online banking, free bill pay, ATM access, and Visa debit card access for eligible members.

Membership is open to people who live, work, worship, attend school, or operate a business in Amherst, Cheektowaga, Depew, or West Seneca, New York.

Amherst FCU has a branch in Amherst, New York.

The account gives members access to basic checking while they rebuild a better banking record.

Cooperative Federal also offers a free financial counseling session, which can help if you want guidance on managing the account and avoiding future issues.

Cooperative Federal Credit Union has branches in Syracuse, New York.

The account includes unlimited check writing, free bill pay, direct deposit access, and a Visa debit card. There’s a $10 monthly maintenance fee and no transaction limits.

Financial Trust FCU has locations in Blasdell, Buffalo, Cheektowaga, Grand Island, Hanover, Orchard Park, and West Seneca.

The account provides unlimited check writing, direct deposit, a free debit card, and full access to online, mobile, and phone banking. There’s a $9.95 monthly fee, reduced to $7.95 with direct deposit.

Fulton Savings Bank has branches in Baldwinsville, Brewerton, Central Square, Constantia, Fulton, and Phoenix.

The account has no minimum balance requirement and includes essential banking services for a small monthly fee.

After six months of positive account history, you may request an upgrade to a standard account.

Genesee Valley FCU has branches in Dansville, Geneseo, and Warsaw, New York.

The account gives you many of the same features as Jovia’s regular checking products, but it does not earn interest and may have modified Courtesy Pay access.

Green Light Checking requires a $25 opening deposit and has no minimum balance requirement after the account is opened.

After 12 months of positive banking activity, you may be able to upgrade to a CareFree Checking account.

Jovia Financial Credit Union has branches in Freeport, Garden City, Hempstead, Huntington, Oceanside, Valley Stream, and Westbury, New York, and more.

The account is designed for customers who have had overdrafts, insufficient funds, or other adverse account activity in the past.

After 12 consecutive months in good standing, you may be able to convert the account to one of NECB’s regular checking accounts.

NorthEast Community Bank has branches in Bloomingburg, Bronx, Kiryas Joel, Monroe, Monsey, New York City, and Spring Valley, New York.

The account requires a $50 minimum opening deposit and has no minimum balance requirement.

It includes online banking, mobile banking, bill pay, check access, and an instant issue debit card. The monthly service charge is $9.95, with a $3 credit when you have recurring direct deposit.

After 18 months, JumpStart Checking customers may qualify for a full-featured checking account.

Pioneer Bank has branches in Albany, Schenectady, Troy, Clifton Park, Latham, Queensbury, and Hudson, New York, and more.

The account includes a free debit card, online banking, mobile banking, mobile check deposit, and access to Reliant branches and ATMs.

There is a $10 monthly maintenance fee, but Reliant waives it when you have direct deposit.

After 12 months of positive account activity, you may be able to move into one of Reliant’s other checking options.

Reliant Community FCU has branches in Brockport, Canandaigua, Farmington, Geneva, Rochester, Sodus, and Webster, New York, and more.

The account includes a debit card, online banking, mobile banking, bill pay, and access to Solvay Bank branches and ATMs.

New Leaf Checking can be a good fit if you want a basic checking account with straightforward features and local branch access in Central New York.

Solvay Bank has branches in Baldwinsville, Camillus, Cicero, East Syracuse, Fayetteville, Liverpool, North Syracuse, Solvay, Syracuse, and Westvale, New York.

The account includes online and mobile banking, mobile check deposit, eStatements, direct deposit, ATM access, and a debit card for everyday purchases.

A $10 monthly fee applies unless you meet the account’s activity or balance requirements after the first statement cycle.

The Pius Account can be a practical option if you want a local credit union account in the Rochester area with simple features and a clear path back to regular banking.

St. Pius X Church FCU has a branch in Rochester, New York.

The account gives qualified members a way to rebuild a positive checking history while still getting access to many everyday banking features.

Fresh Start Checking is similar to TEG’s Free Checking account, but it comes with a few added restrictions while you work your way back.

TEG FCU has branches in Hyde Park, Middletown, Newburgh, Poughkeepsie, Poughquag, and Wappingers Falls, New York.

The account requires a $25 minimum opening deposit and has no minimum monthly balance requirement.

It includes a free TSB debit card, free eStatements, online banking, mobile banking, online bill pay, remote deposit, and debit card lock features.

There is a $10 monthly service charge. After 12 months of positive history, you may be able to convert to a traditional checking account.

Tioga State Bank has branches in Binghamton, Candor, Endwell, Johnson City, Newfield, Owego, Spencer, Vestal, and Waverly, New York.

It requires a $50 opening deposit, with a $16.95 monthly fee that drops to $11.95 if you enroll in direct deposit.

The account includes mobile banking, free bill pay, a debit card, and access to over 300 surcharge-free ATMs.

Webster Bank has branches throughout New York, including Astoria, the Bronx, Brooklyn, Flushing, Jamaica, Manhattan, Queens, Rego Park, Valley Stream, and Yonkers.