N.Y. Banking Law § 9-r: Geographic restrictions

§ 9-r. Geographic restrictions. 1. No banking institution shall have a

policy or general practice of refusing to open a deposit account solely

on the basis of the geographic location of the depositor's residence or

place of business; provided that the banking office at which the

depositor seeks to open the account is within the county or, in the case

of a county wholly contained within a city, the city in which such

residence or place of business is located. For purposes of this section,

"banking institution" means any bank, trust company, savings bank,

savings and loan association, or branch of a foreign banking corporation

the deposits of which are insured by the federal deposit insurance

corporation, which is incorporated, chartered, organized or licensed

under the laws of this state or any other state or the United States.

2. Nothing herein contained shall prevent a banking institution from

requiring any person applying for a deposit account to demonstrate that

the residence or place of business of such person is located within the

same county or city, or prevent a banking institution from taking

actions necessary to verify such person's residence or place of

business, so as to avoid being considered in violation of any law of the

United States or of this state which has as its purpose the prevention

of money laundering or other criminal or fraudulent acts, including,

without limitation, 12 USC § 1829b (Bank Secrecy); 18 USC § 1341 (Frauds

and Swindles); 18 USC § 1342 (Fictitious Name or Address); 18 USC § 2113

(Bank Robbery and Incidental Crimes); 31 USC § 5311 through § 5326

(Records and Reports on Monetary Instruments Transactions).