Using a bank account is cheaper than using money orders, or frequenting check cashing or payomatic businesses to pay rent or other bills. If you think you don’t have enough money to open a bank account, think again. New York State law requires all banks including commercial banks, savings banks and credit unions to offer consumers a low-fee bank account that meets specific basic criteria. No matter what name the bank gives to this type of account, anyone in New York State can have a basic banking account. For more information on Basic Banking accounts access the State of New York Office of the Attorney General website at: http://www.oag.state.ny.us/consumer/tips/basic_banking.html