Second Chance Checking Accounts - New York

There are several nationwide banks that may approve you for a second chance checking account in New York while on the chexsystems and current information on how to receive your free chexsystems report which can be viewed and accessed from our main page at second chance checking. However, many local banks in New York offer promotions for people who have a negative chexsystems report. Below is a listing of banks in New York, that we were told, are currently accepting new checking applications for individuals who are on the chexsystems.

Note: This list is to be used as a reference only and we cannot guarantee that you will be approved for a checking account while on the chexsystems. Please help us keep this list up to date by emailing us at with banks in your area that accept people who are on the chexsystems, or whether or not you were approved for a checking account using the list below:

Account Now - Prepaid card that can be used for direct deposit and has a debit/credit card, however it comes with no checks.

Etrade Brokerage - Its a brokerage account but can be used like a checking account. It comes with checks and a visa/debit card. They also have direct deposit available. After you open a brokerage account, wait a few months then apply for a Etrade Bank account and they may just approve you. Banking can also be done by mail.


300 Park Avenue (NW corner of 49th Street and Park Avenue) New York, NY 10022
428 Central Park Avenue Scarsdale, NY 10583
1001 Franklin Ave. Garden City, NY 11530

Woodforest Bank - The Second chance checking account is for customer's who might have experienced difficulties with another financial institution in the past. There is a required opening deposit of $50.00 and a one time account set up fee of $9.00. There is a monthly service charge of $7.95 if you have direct deposit, and $9.95 if you do not.


2024 Genesee Street Oneida, NY 13421
5815 Rome Taberg Rd Rome, NY 13440
103 North Caroline Street Herkimer, NY 13350
5054 State Hwy 23 Oneonta, NY 13820
1818 State Route #3 Fulton, NY 13069
1860 North Road Waterloo, NY 13165
1400 CR 64 Horseheads, NY 14845
425 Route 31 Macedon, NY 14502
141 Washington Ave Albany, NY 12205
311 Rte 9W Glenmont, NY 12077
1490 Hudson Ave Rochester, NY 14621
2150 Chili Ave Rochester, NY 14624
4133 Veterans Memorial Dr Batavia, NY 14020
43 Stephenville Street Massena, NY 13662
3222 State Route 11 Malone, NY 12953
1869 Plaza Dr Olean, NY 14760
5360 South Western Blvd Hamburg, NY 14075
1540 Military Road Niagara Falls, NY 14304
10401 Bennett Rd Fredonia, NY 14063

Genesee Valley Federal Credit Union - They offer a Fresh Start program that enables individuals in New York who have had banking difficulties in the past to open up a checking account.


4621 Millennium Drive, Geneseo NY 14454
184 Main Street, Dansville NY 14437
445 N. Main Street, Warsaw NY 14569

You may also want to apply for a second chance checking account with your local Credit Unions in New York if you are unsuccessful with the above list of banks and financial institutions. Last reviewed in January 2012.