2015 New York Laws
BNK - Banking
Article 1 - (Banking) SHORT TITLE; DEFINITIONS; MISCELLANEOUS PROVISIONS.
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).