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New York Consumer Protections
New York Wage Garnishment & Bank Levy Protections
New York provides an automatic statutory exemption for bank accounts containing earned compensation or direct-deposited wages.
Protect your income — FreeLegal authority
N.Y. C.P.L.R. § 5222-a and § 5205(l)
Protection for money in your bank account
An amount equal to 240 times the greater of federal or state minimum hourly wage is strictly exempt from restraint or execution, ensuring standard wage deposits cannot be frozen.
How exempt earnings are traced
Automatic exemption applies; banks must calculate the exempt amount based on 240x minimum wage formula before freezing.
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