NEW YORK (3/1/10)--Five credit unions in New York City are participating in the NYC SafeStart Bank Account program highlighted by Mayor Michael Bloomberg during his 2010 State of the City Address as the first of its kind to assist the unbanked and underserved. The account is an ATM-based started account designed to help New Yorkers avoid costly fees such as overdraft fees or monthly account fees. Fees are the top reason that unbanked city residents do not use--or stop using--banks or credit unions, according to a city survey. The account, which can never be overdrawn, is being offered in partnership with 10 banks and credit unions, said a press release from the New York City Department of Consumer Affairs. Credit unions participating are Bethex FCU, Bronx; Brooklyn Cooperative FCU, Brooklyn; Lower East Side Peoples FCU, New York; Neighborhood Trust FCU, New York; and Union Settlement FCU, New York.