If you are looking for second chance banks in NYC, chances are good that you have been added to Chexsystems or Early Warning Services due to financial issues that you might have had in the past. It can be easy to get added to the Chexsystems or EWS database; you might have bounced a few checks, for example, or you might have maintained a negative balance with your bank for a certain period of time.
Even though it can be easy to be added to these databases, getting by without a bank account most decidedly is not easy at all. It can be tough to store your money, cash your checks, pay your bills and more if you don't have a bank account. With many banks checking Chexsystems and Early Warning Services before granting bank accounts, however, it can be tough to open up a bank account for years after being added to one of these databases.
Even though getting a checking account while on Chexsystems can be tough, however, you do have options. Believe it or not, there are banks that don't use Early Warning Services or Chexsystems at all.
With New York non Chexsystems banks, you can actually open a bank account without worrying about your financial past being held against you. No Chexsystems banks typically offer checking and savings accounts with many of the same features that you would enjoy through any other bank, such as a debit card, check writing and more. Once you check out this list of non Chexsystems banks in NYC, you can finally find a bank that will work with you through this tough time. Then, you can finally take advantage of the benefits of having a bank account without having to worry about the bank saying no to you because of the mistakes that you might have made in the past.Jump to top
Allied Irish Bank
Cross County Federal Savings Bank
Are you looking to open a Bank Account but you have ChexSystems problems or Bad Credit?
Try opening a BBVA Compass Free Checking Account! BBVA is one of the top banks in the US and they may give you a REGULAR bank account when you apply online...even with bad credit history or Chexsystems records.
If for some reason, you don't qualify for the regular BBVA checking account, you'll have the opportunity to open the BBVA Compass Easy Checking Account, the most forgiving account designed specifically for those with banking problems....
Just out of college and ready to move off-campus, Patrick learned he had been a victim of identity theft when he was rejected by the landlord for having bad credit. After years of having multiple credit applications denied and fed up with having to pay security deposits up front to utility companies, Patrick decided to dispute Chexsystems and recover his credit. He educated himself on personal finance for years and, after successfully building up his credit record to a good score, he was approved for a mortgage and was finally able to buy a house in New York, where he now lives with his girlfriend and their dog, Winston.