Banks That Don’t Use ChexSystems in Delaware

SoFi doesn’t use ChexSystems and offers a no-fee checking and savings account with solid perks.

You can earn up to 3.30% APY on savings, access over 55,000 fee-free ATMs, and get paid up to two days early with direct deposit.

There are no overdraft fees, balance requirements, or monthly charges. You can also earn a sign-up bonus of up to $400 when you set up qualifying direct deposits.

Current doesn’t use ChexSystems or run credit checks, so approval is easy—even with a rough banking history.

There are no monthly fees, no minimum balance, and you get access to 40,000 fee-free ATMs.

You can also build credit by using your debit card—no loans, credit pulls, or interest charges.

Current includes fee-free overdraft protection up to $200 and lets you get paid up to two days early with direct deposit. Optional Savings Pods earn up to 4.00% APY.

Chime doesn’t use ChexSystems or run credit checks, so anyone can open an account.

There’s no monthly fee, no minimum opening deposit, and access to over 47,000¹ fee-free ATMs.

You can also build credit⁷ with the Secured Chime Credit Builder Visa® Credit Card—no annual fees, interest charges¹, or credit pull required.

Direct deposit users can get paid up to two days early², and cash deposits are free at over 8,500 Walgreens locations.

Stash offers a checking account that doesn’t require a credit check or ChexSystems approval, making it accessible if you’ve faced banking challenges in the past.

Each time you use your Stash debit card, you earn Stock-Back® rewards—fractional shares of stock in the companies where you shop.

You can also receive your paycheck sooner with early direct deposit, and there are no overdraft fees to worry about.

The account includes access to over 55,000 fee-free ATMs and is managed through the Stash app, which also features investing and money management tools.

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’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.

While the account isn’t advertised on the bank’s website, it’s available upon request and designed specifically for people who have been denied by other banks.

The Fresh Start account provides basic checking features, including a debit card, online and mobile banking, and direct deposit access.

WSFS has an extensive branch network across Delaware, with 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.