Banks That Don’t Use ChexSystems in Delaware

Features & Benefits

• Up to 5.02% APY on savings
• Up to 2% cash back
• No minimum balance requirement
• No monthly fees or overdraft fees

Features & Benefits

• Sign-up bonus up to $300 with qualifying direct deposits
• No monthly fee
• Earn up to 4.50% APY on savings
• Over 55,000 fee-free ATMs

Features & Benefits

• Build credit just by using your debit card
• No minimum balance or monthly fees
• 40,000 fee-free Allpoint ATMs in the U.S.
• Get paid up to 2 days faster
• No credit check or ChexSystems

Features & Benefits

• Over 14.5 million downloads
• No credit check or ChexSystems
• No minimum opening deposit
• Over 60,000 fee-free¹ ATMs

Features & Benefits

• Earn up to 4.00% APY
• No monthly fees
• No minimum balance requirements
• Over 30,000 fee-free ATMs

Even if you have certain ChexSystems entries, you could still get approved for an account with Del-One. To qualify, you can only have one bank reported on your record and the outstanding charges must have been paid at least 12 months ago. You also can’t have any record of fraud to get approved.

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 actually pays you for being a member with its cash-back debit card. With its free KASAKA checking account, you’ll earn 3% back up to $72 per year on everyday purchases, including groceries, gas, and more. There are no category restrictions.

You’ll also get up to $25 in ATM fees per month refunded, should you encounter them, and free online and mobile banking tools so you can control your money on the go.

To reap these features, you’ll have to meet DEXSTA’s easy qualifications each month: logging into your online or mobile banking, agreeing to receive electronic statements, and making 12 debit card purchases.

But, even if you don’t do that stuff, the account is still free and accessible to those with less-than-perfect credit history.

FSNB offers banking without ChexSystems or credit checks, allowing for easy account opening with a $5 deposit.

Checking account options vary: Advanced Checking has a $10.95 monthly fee; Career Checking and 50+ Checking are free with a monthly direct deposit; Basic Checking incurs a $6.50 fee if the balance drops below $100.

The accounts come with a Visa check card, free online and text banking with bill pay, and an interest-bearing account, conditional on maintaining a minimum balance.

Additional perks include fee-free ATM transactions at FSNB locations, mobile banking, free e-statements, and no charge for cashier checks and money orders. Customers also receive one free box of standard checks every quarter.

Need a way to “get back into the financial system?” Washington Savings Bank knows not everyone’s credit history is spotless. And they’ve got the perfect checking account to meet your needs, even if you’ve got a ChexSystems record.

Its Online Rewards Checking program is available with a minimum deposit of just $10, and no ongoing minimum balance requirement or withdrawal fees. You’ll get access to free online banking tools and bill-paying options, as well as a discount on your first order of starter checks.

You can earn up to $20 per month in cash-back rewards when you use the free debit card associated with your account. Furthermore, you can also get the $9.95 monthly service fee waived after a year of satisfactory account activity.

If Wells Fargo declines you for a standard checking account, you may still qualify for their “Clear Access Banking” account.

This second chance checking account has a monthly fee of $5. The only way to avoid it is if the primary account owner is 13 – 24 years old.

There’s a minimum opening deposit of $25. You get access to online bill pay, mobile banking, and over 13,000 ATMs free of charge.

WSFS Bank has a wide variety of checking accounts to choose from.

They also have products to graduate into once you’re on sturdier ground. Start with its free direct checking account. It has no monthly fee when you establish direct deposit within three months of opening, or just $6 per month if you don’t.

Standard features include overdraft protection and loan rate discounts. You can get started with a low minimum opening deposit of just $100.

Other account options include core checking, which carries a $500 minimum balance requirement, and interest and relationship checking accounts for those with higher daily balances.

They have locations in Bear, Camden, Delaware City, Dover, Felton, Harrington, Hockessin, Lewes, Middletown, Milford, Millsboro, New Castle, Newark, Ocean View, Rehoboth Beach, Seaford, Selbyville, Smyrna, and Wilmington.