Struggling to open a checking account in Delaware due to a negative ChexSystems listing?
While most banks use ChexSystems to review your banking history, there are some that don’t. Additionally, some banks offer second checking accounts.
Non-ChexSystems & Second Chance Banks in Delaware
We’ve compiled a comprehensive list of Delaware banks and credit unions that allow anyone to open a checking account, regardless of their banking history.
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 in order 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.
Washington Savings Bank
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.
It’s 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.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or beneﬁts payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, veriﬁcation or trial deposits from ﬁnancial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to explore your options.
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington, DC
- West Virginia