Are you trying to open a checking account in Delaware, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Delaware use ChexSystems to review your banking history.

Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.

Non-ChexSystems & Second Chance Banks in Delaware

Take a look at this comprehensive list of banks and credit unions in Delaware that either don’t use ChexSystems, or offer second chance checking accounts.


Our Top Pick
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on Chime's secure website

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

The Chime Checking Account is 100% free and has no monthly fees:

  • no overdraft fees
  • no monthly maintenance fees
  • no foreign transaction fees
  • no minimum balance fees

They’ll even spot you up to $200 on debit card purchases with no overdraft fees.

You can also start building your credit 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 charges.

Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.

You can see why Chime is our #1 choice.

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Our Second Pick
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on Aspiration's secure website

Aspiration’s Spend & Save Account hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.

With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.

You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.

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Our Third Pick
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on Current's secure website

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.

A Current mobile banking account includes fee-free overdraft protection of up to $100. You 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.

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Del-One Credit Union

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on Del-One's secure website

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.

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DEXSTA Federal Credit Union

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on DEXSTA's secure website

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.

Do keep in mind that in order to reap these rewards, 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!)

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Apply Now

on FSNB's secure website

FSNB offers both basic and advanced checking accounts to its members with no credit check required to open. Each type of checking account can be opened with just a $5 minimum opening deposit, and come packed with a wide range of perks to improve your banking experience.

The basic checking account gets you access to free online banking tools, a VISA CheckCard with no monthly or annual fees, and a really neat savings round-up feature that can help turn your spare change into your nest egg.

Its $5.50-per-statement-cycle fee will be waived if you keep a balance above $75, though there are extra charges for paper or image statements.

The advanced checking account comes with all that, but also gets you day-early access to your direct deposit funds, if you have them. Plus, it accrues interest once your minimum balance reaches $500. Its monthly fee, however, is $10.95, with no option to waive.

FSNB branches are usually found in Walmart stores. You can find locations in Dover and Camden.

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Washington Savings Bank

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on Washington Savings' secure website

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, and the $9.95 monthly service fee is waivable after a year of satisfactory account activity.

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Wells Fargo

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on Wells Fargo's secure website

With branches across the state of Delaware, it’s easy to find a Wells Fargo to manage your account. If you can’t get approved for a regular checking account, you could qualify for their Opportunity Checking. This account operates like a normal one, offering features such as a debit card, checks, mobile banking, and online banking and bill pay.

It does come with a $10 monthly fee, but most people get it waived each month by qualifying in one of the following ways:

  • Make 10+ debit transactions monthly
  • Sign up for $500+ in direct deposit
  • Maintain $1,500+ daily balance

Wells Fargo helps you stay on top of your finances by offering the “My Spending Report with Budget Watch” tool for free. You can also open up an Opportunity Savings account for automatic transfers between accounts.

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Apply Now

on WSFS Bank's secure website

With a wide variety of checking accounts to choose from, WSFS Bank has a system suited for you no matter where you are on your financial journey.

They also have products to graduate into once you’re on sturdier ground. Start with its free direct checking account, which assesses 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, and 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, as well as 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.

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