If you’ve struggled with unpaid bank fees or bounced checks, odds are that you’ve received negative marks in the ChexSystems database. And since most banks and credit unions in New York use the ChexSystems database to screen new accounts, getting a new account can seem almost impossible.
That is why so many New Yorkers turn to payday loans, check-cashing services, and other non-traditional financial alternatives. But there is another way.
There are banks and credit unions who want your business. They offer second chance checking accounts. Even if you’ve struggled with bad credit or have been flagged in ChexSystems. Some of these banks and/or credit unions have branches throughout the state, while others have online offerings with all the perks and none of the fees. Your banking past doesn’t need to dictate your banking future.
CheckingExpert has helped thousands of people just like you open second chance checking accounts. We’ve selected the best accounts in New York based on acceptance rates, checking account features and benefits, and the accounts with the lowest fees. Best of all, you can open an account today!
List of the Best Second Chance Banks and Credit Unions in New York
Did we leave your financial institution off this list? Has there been a change in any of the listings? Please let us know.