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2022 List of New York Second Chance Checking Accounts

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If you have ChexSystems or EWS records in New York open a new account at a New York second chance bank. There’s no reason to go without a bank account when there are banks in New York that don’t use ChexSystems.

Get a fresh start at checking with a traditional bank in New York. ChexSystems and EWS records can remain on your reports up to 5 years. That’s a long time to conduct financial transactions without a bank account.

New York ranks among the highest in unbanked household with roughly 8 percent of New York households classified as “unbanked,” meaning they don’t have checking or savings accounts, according to a 2017 survey by the Federal Deposit Insurance Corporation. An additional 17 percent are considered “underbanked” because they have bank accounts but still use alternative financial services like check cashers.

Being unbanked in New York means paying check cashing stores, purchasing money orders or depending on a prepaid debit card. Plus, if you use cash to pay bills you can lose or misplace receipts. Using a bank to conduct financial transactions is safer and more convenient — plus saves you money on fees.

Check out our list of second chance checking accounts in New York. Many second chance bank accounts run a ChexSystems report.

If your ChexSystems record has unpaid debt, consider options at banks that don’t use ChexSystems or bank accounts for bad credit.

New York Second Chance Banks and Credit Unions

Upgrade Rewards Checking

The Upgrade Rewards Checking Account offers up to 2% cash back on common everyday expenses at grocery and drug stores, gas stations, monthly subscriptions, restaurants, and cell phone utilities. Plus, account holders get unlimited 1% cash back on all other debit card charges. This account takes less than 10 minutes to open, the process is simple and easy.

Upgrade Rewards Checking Features

  • No ATM fee.
  • Zero Monthly Fees.
  • Zero Overdraft/Insufficient Fees.
  • 2% cash back on common everyday expenses and recurring payments and unlimited 1% cash back on every other debit card charge.
  • use your Rewards Checking card wherever Visa® is accepted.
  • FDIC-insured up to $250,000.
Rewards Checking is offered by Upgrade Inc, a nonbank financial services provider founded in 2016 and based in San Francisco, CA. It is made possible by a bank partnership with Cross River Bank, Member FDIC. Upgrade VISA ® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Rewards Checking is available in 50 states (and Washington, DC).

Current Checking Account


The Current Checking Account can be opened with a minimum of $10 with a debit card or an existing checking account.

Current Account Features

  • $10 minimum opening deposit.
  • Savings feature that pays 4.00% APY on balances up to $6,000.
  • No overdraft fees when you overdraw by up to $200 with Overdrive™.
  • Get your paycheck up to 2 days early with direct deposit.
  • Earn points for unlimited cashback at participating retailers.
  • Gas station holds immediately credited to your account.
  • Send money instantly for free.
  • 24/7 member support.

Brooklyn Cooperative Federal Credit Union

A Savings Account is required to join. There is a minimum $5.00 required to open plus a $20.00 application fee.

Alternatives Federal Credit Union

A Fresh Start Account that offers you a chance to rebuild your credit. There is no minimum opening deposit, no monthly service fee and no minimum balance requirements.

Melrose Credit Union

Any resident in New York should be able to open an account at Melrose Credit Union. Proper identification is required.

People’s Alliance Federal Credit Union

Proper identification is required to open new accounts.

Access Federal Credit Union

Proper identification is required to open new accounts.

Bank of Richmondville

Proper identification is required to open new accounts.

Compass Credit Union

Proper identification is required to open new accounts.

MTC Federal Credit Union

Proper identification is required to open new accounts.

Westside Community Federal Credit Union

Proper identification is required to open new accounts.

Ticonderoga Federal Credit Union

Proper identification along with a Social Security card is required to open new accounts.

Sidney Federal Credit Union

Proper identification is required to open new accounts.

Mohawk Progressive Federal Credit Union

Proper identification is required to open new accounts.

Maple City Savings Bank

Proper identification is required to open new accounts.

North East Alliance Federal Credit Union

Proper identification is required to open new accounts.

Neighborhood Trust Federal Credit Union

Proper identification is required to open new accounts.

Van Cortlandt Cooperative Federal Credit Union

Proper identification is required to open new accounts along with a Social Security card.

Bethex Federal Credit Union

Proper identification is required to open new accounts along with a Social Security card.

Fulton Savings Bank

They offer a Second Chance Checking Account designed for individuals who have had banking challenges in the past, and who are working to improve their financial reputation. The monthly fee is $9.95 and $7.95 with Direct Deposit.

Port Washington Federal Credit Union

Proper identification is required to open new accounts.

Bank United

They use Chexsystems but as long as the report does not indicate fraud and is paid, you can open a savings and checking. For the best results, only one bank should be reported

Meridia Community Credit Union

They use a credit report to open new accounts.

RT Federal Credit Union

They use a credit report to open new accounts.

Rochester and Monroe County Employees Credit Union

For a savings they use nothing but for a checking they use Experian credit report.

Bank Of The Ozarks

They offer a second chance checking called Pathway Checking that requires $50 to open and comes with a $10 monthly service fee.

Genesee Valley Federal Credit Union

They offer Fresh Start Checking that after 6 months without any negative activity, can be converted to a free checking account product at the member’s request.

UFirst Federal Credit Union

They offer a Second Chance Checking Account.

Webster Bank

They offer second chance checking called Opportunity Checking if you’ve had trouble qualifying for a checking account in the past.

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