Here are some 2nd chance banks and credit unions in NY. There are some unforeseen circumstances that may cause your financial hardship. So, once you have been marked by Chexsystems, how to rebuild your personal financial life? There are some good banks or credit unions which may accommodate you. In fact, those 2nd chance banking can also bring you second chance to re-establish your history of credit and help you start over.

WoodForest Bank offers second Chance Checking with opening deposit of $25 and monthly service fee of $7.95. You’ll also be charged $9 for the  account set up fee. The bank has branch offices in Oneonta, Albany, Fredonia, Oneida, Rochester, Canandaigua, Fulton, Massena, Potsdam, Glenmont, Horseheads, Malone, Batavia, Herkimer, Waterloo, Hamburg, Newark, Amsterdam, Rome, Niagara Falls, Watertown and Rochester, NY.

Webster Bank‘s Opportunity Checking is also available for customers who are unable to open new checking accounts at any other banks because of their past banking problems. Its service fee is $11.95. And the bank has branches in Yonkers, Mamaroneck, Rye and New Rochelle,  NY.

Alternatives Federal Credit Union‘s Fresh Start Account is designed for its members who failed to qualify for those standard checking accounts because of previous difficulties maintaining their accounts well. As a regional credit union, Alternatives’ membership is only eligible for those who live in Tioga, Ithaca, Schuyler, Tompkins, Seneca, Cortland and Chemung, NY.