In New York there are banks and credit unions that are offering second chance checking accounts. The requirements for these accounts are more lenient than you will find at most banks or credit unions and most either do not use ChexSystems or Early Warning Systems and/or may overlook your current status if your debts to past banks and/or credit unions have been paid in full. While there are banks that do offer second chance checking accounts in New York, we do not and can not guarantee that you will be approved for an account at any bank and all decisions are final and based solely upon business needs of the respective banks.
Recommended Banking Services – These services are recommended because they offer 100% guaranteed approval. As long as you can prove your identity and can complete the requirements, you will be approved. The services below are also the best deal going at the moment. This means they are cost efficient and more financially responsible than most of the other offers available. If you know of other options, please let us know and we will investigate and add if warranted.
RushCard – Best Banking Alternative Available – Simply the most affordable and best banking alternative available! The RushCard offers great features such as low fee structure, FDIC insured, online bill pay and they offer 100% guarantee approval (simply complete the application in full). Get more info and apply here
Other Available Banking Services – The banks below have been reported as offering second chance checking accounts in New York, but we can not guarantee these opportunities are available or if available will approve you.
Evans National Bank
Horizons Federal Credit Union
Medina Savings and Loan
Mid Hudson Valley Bank
Oneida Savings Bank
Paragon Federal Credit Union
Partners Trust Bank
Peoples Alliance Federal Credit Union