Second Chance Checking Accounts in Delaware

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 $400, plus earn a competitive 3.30% 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.

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, with 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 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®. It’s a secured card with no credit check, no annual fee, and no interest charges.

Chime gives you access to over 47,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

Stash offers a checking account with no ChexSystems review or credit check. This makes it accessible if you’ve had trouble opening accounts in the past.

Each time you use the Stash debit card, you earn Stock-Back® rewards in the form of small pieces of stock from the brands where you spend.

You can also receive your paycheck early through direct deposit. The account has no overdraft fees.

Everything is managed through the Stash mobile app, which also includes investing and budgeting tools.

The credit union describes it as a set of stepping stones to help you rebuild, and as an affordable alternative for anyone who’s been relying on money orders or prepaid cards.

The account has a $10 monthly fee that’s waived when you set up direct deposit and eStatements. There’s no minimum balance, and it includes a free Visa debit card, free online banking, and free bill pay.

If you accidentally overdraw, the credit union transfers available funds from your savings for a $10 overdraft-from-shares fee.

Community Powered has branches in Bear, New Castle, and Wilmington, Delaware.

As the credit union puts it, they believe in starting over, and this account is built to give you that.

There’s a $10 monthly fee for the account. It covers the essentials you need to manage your money day to day while you rebuild your banking history.

Eagle One’s Delaware branch is in Claymont. The credit union also has locations in the Philadelphia area, and members get access to a nationwide shared-branching network and over 80,000 surcharge-free ATMs.

It’s designed for people who need a fresh start, with no overdraft fees and none of the high or unpredictable charges that can trip you up while you rebuild.

There’s no minimum to open the checking account, no monthly service fee, and no activation, dormancy, inactivity, or low-balance fees. The only real charge is a $15 NSF fee. You get a free debit card, free online and mobile banking, mobile deposit, and bill pay.

Tidemark also offers free financial counseling through accredited counselors who can help with debt management and budgeting as you get back on track. Membership requires $5 in a savings account.

Tidemark has Delaware branches in Lewes, Long Neck, Milford, Millsboro, Seaford, and Selbyville.

Because it’s debit-card only, any purchase you attempt without enough money is simply declined rather than approved and hit with an overdraft fee.

The account requires a $25 opening deposit and has a $5 monthly fee, which is waived for account holders aged 13 to 24.

You get mobile and online banking, online bill pay, Zelle for sending and receiving money, and access to Wells Fargo’s large branch and ATM network.

With one of the biggest branch footprints in the country, Wells Fargo is a convenient option for in-person banking. In Delaware, it has branches in Wilmington, Bear, Dover, and Hockessin.

It’s designed to give you the core features of a regular checking account while you get back on track.

This account isn’t advertised on the WSFS website and is generally opened by request, so it’s worth calling or visiting a branch to confirm current terms and availability. It includes the basics: a debit card, online and mobile banking, and direct deposit.

As Delaware’s largest bank by deposits, WSFS has a wide local presence, with branches in Newark, Wilmington, Dover, Bear, Middletown, and Rehoboth Beach.