Second Chance Checking Accounts in Delaware

If you’ve been denied a checking account in Delaware due to past overdrafts, unpaid fees, or other banking challenges, you’re not alone. Many banks use ChexSystems or similar reports to screen applicants, making it harder to open an account after financial setbacks.

Second chance checking accounts give you a way to rebuild your banking history and access essential financial tools.

5 Banks & Credit Unions Offering Second Chance Bank Accounts in Delaware

Below are banks in Delaware offering second chance checking accounts for individuals working to recover from past banking issues.

Current

Our Top Pick

Features & Benefits

  • Build credit automatically with your debit card activity
  • No monthly fees or minimum deposit required
  • Over 40,000 Allpoint ATMs nationwide
  • Early direct deposit—get paid up to 2 days sooner

Current gives you a simple way to open a checking account without ChexSystems or credit checks. You can start building credit by using your debit card for everyday purchases—no loans, hard inquiries, or interest involved.

There’s no minimum balance to maintain, no hidden fees, and access to thousands of fee-free ATMs across the U.S.

Current’s Premium account also includes early direct deposit and Savings Pods that earn up to 4.00% APY, helping your money grow without sacrificing flexibility.

Chime

Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 60,000 fee-free ATMs nationwide
  • Optional secured credit card to help build credit

Chime makes it easy to open a checking account, even if your banking history isn’t perfect. There are no monthly fees, no foreign transaction charges, and no minimum balance required.

You can also boost your credit with the Chime Credit Builder Visa®—a secured card with no credit check, no annual fee, and no interest charges.

Chime gives you access to over 60,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

SoFi

Features & Benefits

  • Earn up to $300 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.80% APY on savings balances
  • Access to 55,000+ fee-free ATMs

SoFi’s Checking and Savings account is designed to help you keep more of your money. There are no monthly maintenance fees, no overdraft fees, and no minimums to worry about.

Set up direct deposit, and you can unlock a sign-up bonus of up to $300, plus earn a competitive 3.80% APY on your savings. Checking accounts earn 0.50% APY as well.

You’ll also have access to over 55,000 fee-free ATMs and the ability to get paid up to two days early with direct deposit.

Wells Fargo

Wells Fargo offers Clear Access Banking, a second chance option for those with past banking issues who may not qualify for traditional accounts.

The account requires a $25 opening deposit and has a $5 monthly fee, waived for account holders aged 13 to 24. You’ll get mobile banking, online bill pay, and access to over 13,000 Wells Fargo ATMs nationwide.

Wells Fargo has branches throughout Delaware, including Wilmington, Bear, Dover, and Hockessin.

WSFS Bank

WSFS Bank provides a Fresh Start Checking account for individuals listed in ChexSystems who need to rebuild their banking history.

While not advertised online, this account is available by request and includes basic checking features like a debit card, mobile banking, online banking, and direct deposit.

WSFS Bank operates locations across Delaware, including Newark, Wilmington, Dover, Bear, Middletown, and Rehoboth Beach.