If you live in Delaware and have a record in ChexSystems, you may be limited in your options for getting approved for a traditional checking account. Not having one can be costly and time-consuming. You have to manually cash paychecks, find an ATM to get money out, and rely on fee-heavy products like prepaid debit cards for shopping online.
But you could avoid all that with a non-ChexSystems or second chance checking account.
It is possible to find a bank or credit union that’s willing to work with you, despite any past financial mistakes that still show up in ChexSystems. With both local financial institutions and online alternatives available, it may not be as hard as you think to qualify.
Get started by reviewing this comprehensive list of banks in Delaware so you can take advantage of the freedom and convenience that comes with a fresh checking account.
Open your online checking account with just a $25 deposit with Free Checking from BBVA. Unlike many other second chance checking accounts, this bank doesn’t look at ChexSystems. They do utilize EWS, though. After the account is open, you don’t need to worry about keeping a certain minimum balance. There is also no monthly service charge.
You get all the modern features you’d expect from a regular checking account, including online banking and mobile banking with remote check deposit.
You’ll automatically get a free Visa debit card that you can use to get cash from over 64,000 fee-free ATMs in the Allpoint and BBVA networks. There’s also a Simple Cash Back rewards program that earns you money each time you use your debit card.
Chime is another online option available in Delaware. It’s unique in that you can access and manage your checking account entirely through their mobile app. There’s no monthly fee and no minimum balance either.
If you get your paychecks or other income through direct deposit, you can enroll with Chime and get those funds available in your account two days sooner than usual.
The app sends you daily alerts to help you keep track of your balance and transactions. Chime also allows you to open a free savings account and link it to your checking.
You can opt to automate savings by rounding up each debit card purchase to the next dollar. You’ll quickly see your funds grow as that change automatically transfers to your savings account.
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.
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!)
Fort Sill National Bank 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 make your banking experience better.
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.
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.
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.
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.