Banks are required to offer such accounts by law in NY: https://www.dfs.ny.gov/consumers/banking_money/basic_bank_accounts https://www.dfs.ny.gov/consumers/ban

Banks are required to offer such accounts by law in NY: https://www.dfs.ny.gov/consumers/banking_money/basic_bank_accounts https://www.dfs.ny.gov/consumers/banking_money/basic_bank_ac... Do you mean even cheaper and less frills than that?