Banks That Don’t Use ChexSystems in Delaware

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no ATM fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.14% APY, giving you a remarkable opportunity to grow your savings faster.

Upgrade is partnered with Cross River Bank, Member FDIC, and your funds are FDIC-insured up to $250,000. With an Upgrade checking account, you can also get up to 20% lower rates on Upgrade loans and credit cards.

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 4.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

Current is a financial technology company, not a bank. The company does not use ChexSystems or pull your credit report, and they have a lot to offer.

With Current, your everyday purchases can now shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit checks needed. There are also no monthly or annual fees for this service.

A Current mobile bank account includes fee-free overdraft protection of up to $200. Account holders also get access to over 40,000 fee-free Allpoint ATMs with your Current debit card, and there is no minimum balance or hidden fees.

You can also get paid up to two days early with direct deposit with a Current Premium account. Plus, Current offers up to 4.00% APY with Current Savings Pods.

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a checking account with a debit card, and a savings account, all with no credit check.

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit⁷ with the Secured Chime Credit Builder Visa^® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges¹.

Chime has over 60,000¹ fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit². You can also deposit cash for free at over 8,500 Walgreens.

First Tech Federal Credit Union offers an attractive banking solution that goes beyond traditional constraints, providing members with a combination of high-yield interest and multiple financial incentives across its platforms.

With the First Tech Rewards Checking & Savings accounts, there are no minimum balance requirements and no monthly maintenance fees.

These accounts offer competitive interest rates, with the potential to earn up to 3.50% APY on both checking and savings accounts, depending on the balance—significantly higher than many conventional banks.

Additionally, First Tech offers extensive accessibility with over 30,000 CO-OP network ATMs nationwide for fee-free withdrawals.

The credit union also ensures enhanced financial security and flexibility with features like real-time fraud monitoring and free overdraft transfers.

Del-One’s Regular Checking has no monthly fee or minimum balance, but you can earn interest on balances of $500 or more. You need just $5 as your opening deposit to get started. The account comes with both a debit card and unlimited check writing, plus online and mobile banking.

To become a member of Del-One, you must live, work, or worship in Georgetown, Milford, Newark, Wilmington, or West Dover, Delaware.

Branch locations can be found in Dover, Wilmington, New Castle, Georgetown, Smyrna, Dagsboro, West Dover, Seaford, Milford, and Newark.

DEXSTA’s free KASASA checking account offers several benefits, including earning 3% cash back (up to $72 per year) on everyday purchases like groceries and gas, without category restrictions. In addition, you can receive up to $25 in monthly ATM fee refunds, along with access to free online and mobile banking tools.

To enjoy these features, you must meet the following simple monthly requirements: log into your online or mobile banking, opt for electronic statements, and make 12 debit card purchases. Even if you don’t meet these requirements, the account remains free and accessible to those with imperfect credit history.

DEXSTA Federal Credit Union has locations in the following cities: Red Lion, Newark, Wilmington, Middletown, and Elkton, MD.

FSNB provides a range of checking account options. Advanced Checking has a $10.95 monthly fee, while Career Checking and 50+ Checking are free with a monthly direct deposit. The Basic Checking option has a $6.50 fee if the balance drops below $100.

These accounts come with a Visa check card, access to free online and text banking with bill pay, and interest-bearing options if you maintain a minimum balance.

Additional perks include free ATM transactions at FSNB locations, mobile banking, free e-statements, and no charges for cashier’s checks or money orders. Customers are also entitled to one free box of standard checks each quarter. FSNB has branch locations in Camden and Dover, Delaware.

They offer a range of checking accounts in Delaware, including TD Complete Checking, TD Beyond Checking, and TD Essential Banking.

• TD Complete Checking has a $15 monthly fee that can be waived in three ways, such as setting up direct deposits.
• TD Beyond Checking offers premium benefits like interest and no ATM fees, with a $25 monthly fee that can be waived by maintaining a daily balance.
• TD Essential Banking is a checkless account with a low $4.95 fee and no minimum balance, making it ideal for simple banking needs.

TD Bank has branches in Bear, Dover, Hockessin, Middletown, New Castle, Newark, Rehoboth Beach, and Wilmington, Delaware.

The account requires a $25 minimum opening deposit and has a monthly fee of $5, which can be waived if the primary account holder is between 13 and 24 years old.

It includes features like online bill pay, mobile banking, and access to Wells Fargo’s extensive network of over 13,000 fee-free ATMs, providing convenient banking while helping customers rebuild their financial history.

Wells Fargo has locations throughout Delaware, including branches in Wilmington, Bear, Dover, and Hockessin.