NY State based Banks offering BankOn basic banking accounts

Cities for Financial Empowerment has partnered with the banking industry to provide safe, low-cost deposit accounts which help consumers avoid expensive fees.  The following list provides a list of banks that offer BankOn accounts in New York state.

More info:


Account Features (2023-24)


Bank Branch Areas
1st National Bank of Scotia 1st Checking Scotia, Capital District
Adirondack Trust Company BankOn Capital District
Alliant Credit Union Teen Checking Mobile/Online Bank
Ally Bank Interest Checking Account Mobile/Online Bank
Armed Forces Bank Safe Spending Account Mobile/Online Bank and Fort Drum
Bank of America Advantage SafeBalance Banking Account Syracuse, Utica, Capital District, Saratoga, Kingston
BankOnBuffalo Stress Less Checking Buffalo
Bank OZK Freedom Advantage Checking Arkansas, one NY office at Rockefeller Center NYC
Berkshire Bank MyFreedom Checking Albany, Hudson, Utica, Rome, Syracuse
BMO Harris Smart Money™ Account Mobile/Online Bank
Capital One 360 Checking Account NYC, Long Island, Lower Westchester, Nanuet
Capital Bank, a division of Chemung Canal Trust Company BankOn Checking Elmira, Binghamton, Ithaca, Capital District, Saratoga
Catskill Hudson Bank BankOn Checking Catskills, Kingston, Middletown, Capital District
Centennial Bank Simply 100 Checking Account Mobile/Online Bank (based in TX, one NY office for commercial deposits)
Chase Secure Banking Account Statewide
Citi Access Account  NYC Metro Area, Long Island
Citizens EverValue Checking Account  166 branches statewide
Citizens Student Checking  166 branches statewide
Citizens & Northern Bank C&N Simple Debit Account  Elmira, Horning, Canisteo
Discover Bank® Cashback Debit Checking Account  Mobile/Online Bank
ESL Federal Credit Union Simple Spending  Rochester area
Flushing Bank Complete Checking  Queens, Manhattan, Brooklyn, Nassau
Glens Falls National Bank & Trust Company Smart Steps  Glens Falls area
Hanover Community Bank Bank On You Checking  Manhattan, Queens, Brooklyn, Nassau
Kearny Bank Simple Checking  Brooklyn, Staten Island
KeyBank Hassle-Free Account  Statewide
Lakeland Bank Bank On Lakeland Account  Highland Mills (1 branch)
LendingClub Rewards Checking  Mobile/Online Bank
Maspeth Federal Savings Perks Checking  Queens/Nassau County
M&T Bank MyWay Banking Checking Account Buffalo, Rochester, Rockland, Westchester, NYC, Long Island
NBT Bank NBT iSelect Account Albany, Syracuse, Utica, Rochester, Binghamton, Cortland, Ithaca, North Country
New York Community Bancorp My Community SimplyOne Checking Yonkers, New York City, Long Island
Northfield Bank Convenience Checking Staten Island, Brooklyn, New Jersey
PCSB Bank PSCB Total Checking Account Westchester, Hudson Valley
PNC Bank SmartAccess Account Manhattan
PNC Bank Foundation Checking Manhattan
Popular Bank Popular Easy Access Checking Bronx, Manhattan, Queens, Brooklyn, New Jersey
Rhinebeck Bank RB Access Rhinebeck, Poughkeepsie, Hudson Valley
Ridgewood Savings Bank Ridgewood BankOn Checking Queens, Bronx, Brooklyn, Manhattan, Nassau, Suffolk and Westchester
Rondout Savings Bank Turn on the Light Checking Kingston area
Salisbury Bank and Trust Company e-Z Checking Millerton, Newburgh, Dover Plains (Hudson Valley).  Purchased by NBT
Saratoga National Bank Smart Steps Saratoga, Albany Area (Capital District)
Spring Bank Green Checking Account Bronx, Harlem
TD Bank TD Essential Banking Albany, Hudson Valley, New York City
The Cooperative Bank Bank ON Boston area
Tompkins Community Bank Smart Spend Checking Hudson Valley
Trustco Bank Home Town BankOn Account Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Schoharie, Ulster, Warren, Washington and Westchester
Ulster Savings Bank Bank Smart Checking Account Kingston, Poughkeepsie, Hudson Valley
USALLIANCE Financial Dora Everyday Checking Rye, Port Chester, Bronx, Napanoch (Ulster County) and Woodbourne (Sullivan County)
Valley National Bank Valley Journey Checking Manhattan, Brooklyn, Queens, Long Island, Westchester
Watertown Savings Bank Opportunity Checking Watertown area
Wells Fargo Clear Access Banking Statewide (?), 79 branches
Woodforest National Bank WBank Account Albany, Elmira, Rome, Milford, PA