Second Chance Checking Accounts In New York

July 16, 2013 - PRLog -- People living in the state of New York have options available to them when they are faced with being unable to open a checking account because of a previous bad banking history that was reported to the Chexsystems.

The Chexsystems provides deposit account verification services to its financial institution members to aid them in identifying account applicants who may have a history of account mishandling. Each report submitted to Chexsystems will remain on their files for five years, unless the credit union or bank that filed the report requests its removal or chexsystems becomes obligated to remove it under applicable law. A reporting member is under no obligation to remove an accurate report of a account mishandling due to payment of money that was owed. However, if a collection amount is reported, the member is obligated to mark the account as paid.

Consumers in the state of New York who intentionally and routinely issue bad checks should have their criminal activities recorded in Chexsystems. However, not all negative activities are examples of intentional misuse or fraud.

The free consumer help organization called "Bad Credit MD" is trying to help consumers in New York who have been reported to the Chexsystems by informing them which banks and credit unions can offer them either a "Fresh Start" or "Second Chance" checking account. These special programs were designed to help consumers with bad marks on their Chexsystems report open a account with a conventional bank. Consumers interested in learning where they can apply for one of these accounts that are available with a MasterCard or Visa check card along with checkwriting privleges should see http://www.badcreditmd.com/second-chance-checking-account/.

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Bad Credit MD, is a free On-line consumer information guide that helps people living in New York with credit problems in the cites of Buffalo, Rochester, Yonkers, Syracuse, Albany, New Rochelle, Mount Vernon, Schenectady, Utica, White Plains, Troy, Niagara Falls, Binghamton, Rome, Long Beach, Poughkeepsie, North Tonawanda, Jamestown, Ithaca, Elmira, Newburgh, Middletown, Auburn, Watertown, Glen Cove, Saratoga Springs, Kingston, Peekskill, Lockport, Plattsburgh, Cortland, Amsterdam, Oswego, Lackawanna, Cohoes, Rye, Gloversville, Beacon, Batavia, Tonawanda, Glens Falls, Olean, Oneonta, Geneva, Dunkirk, Fulton, Oneida, Corning, and Ogdensburg.

Bad Credit MD has been in business helping consumers with bad credit since April of 2007 and is a subsidiary of Enticing Designs Publishing. The staff has various backgrounds in the financial and mortgage industry. This self-help site has over 500 pages of credit advice and articles. Its staff has researched its information with various governments around the world to provide the most comprehensive and accurate information free of charge.

The spokesperson for "Bad Credit MD" can be contacted at https://plus.google.com/104692534381789121018/