New York Banks & Credit Unions That Don't Use ChexSystems

The citizens of New York may face a difficult time when they try to connect with banks or other financial institutions for loans. Many people today have a history where they have lots of unpaid charges, defaults, and other overdrafts that can make it even more difficult for them to get a loan from traditional banks.

ChexSystems make it difficult for you to get loans as the lenders you approach will report it. This goes directly into your permanent record and all the relevant information. When you apply for a loan, and the bank requires you to submit your ChexSystems record, you must be prepared to receive a rejection notice.

However, if you are in New York, you will likely find banks and other social institutions that don't use ChexSystems. Or even if they use ChexSystems, they will come up with conditions that permit you to get the loan you need. This article will discuss all such banks and give you the direction you need to follow.

Editor's Choice

CIT Bank

The CIT Bank Savings Connect account is the best among banks that don’t use ChexSystems. Unlike many other non-ChexSystems accounts, the CIT Bank Savings Connect is also a high-yield savings account that can help grow your savings much faster than most other banks can.

Features and Benefits:

  • Interest-bearing
  • Minimum balance requirement: $0
  • Monthly maintenance fee: $0
  • Monthly ATM charge reimbursements of up to $30

Why is it recommended for you?

Although CIT Bank has a relatively high minimum deposit ($100) to get started, it offers one of the best interest rates among online banks, and has no opening, monthly servicing, online transfer or incoming wire fees.

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The Best Alternative

The Complete ChexSystems Removal Kit

Our comprehensive ChexSystems Removal Guide includes the exact documents and instructions guaranteed to help you get off ChexSystems and start banking again.

Learn More

United Bank

The United Bank is one of the oldest banks and has expanded to over 200 locations. This bank does not use ChexSystems, and here you can get the loan you want even if you have a bad credit history.

Reasons to Choose United Bank

There are several reasons why you should choose the United Bank. Let's take a look at the pros and cons of choosing United Bank:


  • You can open the account for as low as $50
  • No balance requirement
  • No maintenance fee for your account
  • In-Network
  • Compatible with Apple Pay, Google Pay, and Samsung Pay
  • Wealth Management


  • Interest bearing
  • Overdraft fee

Learn more about United Bank

Navy Federal Credit Union

The Navy Federal Credit Union is a great option for all eligible family members, such as siblings, parents, and grandparents of Navy Federal Credit Union members.

Reasons to Choose Navy Federal Credit Union

If you have any links with the Navy Federal Credit Union, then you must choose it for loans and other financial assistance. There are over 300 branches of the Union all over the U.S, or if you want, you can also opt for online banking. Let's learn the pros and cons of the Navy Federal Credit Union.


  • No minimum deposits
  • No minimum balance requirement
  • Non-interest bearing
  • Flagship checking account without a monthly fee


  • Limited Fee rebates for ATM
  • Minimum balance of $1,500 for Flagship Checking Account

Learn more about Navy Federal Credit Union

Langley Federal Credit Union

Found in 1936, the Langley Federal Credit Union is available for customers throughout the United States. It is a great choice for people with a bad credit history who need a loan from solutions that do not go through the ChexSystem.

Reasons to Choose Langley Federal Credit Union

When choosing a union for your loans, several reasons support the Langley Federal Credit Union. Let's take a look at the pros and cons:


  • Low deposit for the opening of account
  • No minimum balance requirement
  • Reimbursement of balance fee with the use of debit card once a month
  • Free In-network ATMs
  • Non-interest bearing


  • Limited features with checking account

Learn more about Langley Federal Credit Union

First American Bank

The First American Bank began operating long ago, and since they, they have been helping users get the loans they need. New Yorkers can apply for an account and loan online. Some features make this bank a first choice for many people struggling with getting loans because of the ChexSystem.

Reasons to Choose First American Bank?

This bank gives you several checking account options for you to choose from. Other than that, let's take a look at the pros and cons of choosing the First American Bank:


  1. No minimum balance requirement
  2. No monthly maintenance fee
  3. Non-interest bearing
  4. Free in-network ATMs


  • The minimum opening deposit is higher than other options

Learn more about First American Bank

Renasant Bank

Renasant Bank has several locations all over the United States. You have the option to choose from four checking accounts.

Reasons to Choose Renasant Bank?

Renasant Bank gives you several reasons why you should choose Renasant Bank. For instance, you can get a digital card or a banking application for iOS and Android. The Renasant bank is also compatible with Zelle, Google pay, and Apple Pay. Let's consider the Pros and Cons so you can make a better decision.


  • Low minimum opening discount
  • No minimum balance requirement
  • Low or minimal monthly maintenance fee
  • Free on-network ATMs


  • Interest bearing

Learn more about Renasant Bank

Final Thoughts

Do not worry if you cannot get loans from banks easily; you can connect with any of the banks and financial institutions mentioned above. They can help you get the loans you need and save you from financial turmoil. The banks mentioned here are specific for New York Citizens, and before you connect with them for loans, it is best to learn all the requirements and specifications, so you make a choice that fits your needs the best.

You may need expert assistance to help you with the selection of a bank. You can connect with the best experts, and they will help you make a choice.

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