If you have poor financial credit, many banks will consider you a risk for opening an account. Risk includes when you have bounced checks, kited checks, accrued NSF fees, or even had a negative balance for a specific amount of time. Oftentimes, once your poor credit has been noticed you will no longer be extended the opportunity to bank with ChexSystems banks.

If you have found yourself on the ChexSystems database, you may be wondering how you will ever open another bank account. Luckily, there are financial institutions that will work with people that have questionable credit. This can mean that they may require a deposit to be held in reserve, in case of NSF fees, etc. or it may mean that they require some form of collateral. Either way, you are able to rebuild your credit by using these alternative banks or credit unions.

New York has several financial institutions that are Non ChexSystems Banks. You may want to start with them and see if they can provide the services you are looking for. You can also do a search on the Internet to find the most up-to-date lists.

Please note that the information about non chexsystems banks changes each year (even month). We cannot guarantee any of the banks listed won’t do a non chexsystems check (though at the time of compiling, these banks don’t require a chexsystems check). You will have to call the banks to see.

We recommend trying to apply for the BBVA Compass ClearConnect Checking Account. This bank account can be applied for nationally and they have a reputation for giving accounts to customers with bad banking history — like you.

Even better, if you get your application rejected, they will offer you their Second Chance ‘BBVA Compass Easy Checking‘ Account. So either way, you should be able to get an account.

You can also see our list of Best Second Chance Accounts, which are accounts for people with EWS, Telecheck or our updated list of Non ChexSystems banks.

 

Non ChexSystems Banks in New York

Abacus Federal                                               (212) 285-4770

Allied Irish Bank                                            (212) 339-8000

Community Bank                                            (716) 532-3363

Cross County Federal Savings Bank (718) 651-4600

Great Eastern Bank [email protected]

Homestead Savings                                        (315) 797-1350

Tompkins County Trust Company (888) 273-3210

United Orient Bank                                        (212) 349-1100

Credit Unions

Alternatives Federal Credit Union (607) 273-4611

First Entertainment Federal Credit Union (888) 800-3328

Ticonderoga Federal Credit Union (518) 585-6725

Second Chance Accounts in New York

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

More Non ChexSystems Banks in the US by State

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