If you are in ChexSystems or EWS find a new account at banks in Delaware that don’t use ChexSystems.
About 88 million people in the U.S. are either unbanked or underbanked. The underbanked have some type of relationship with an insured financial institution but still rely on alternative financial service providers such as check-cashing storefronts or payday lenders.
Find a new account at banks in Delaware that don’t use ChexSystems. If you’re unbanked in Delaware due to ChexSystems, it’s estimated that you from 1-10% of your salary for check cashing services.
Even if you use a prepaid debit card, the fees can add up quickly over a year’s time. That’s money that could be going to a high-yield savings account.
Get back into banking. A negative ChexSystems record can remain 5 years unless you successfully dispute ChexSystems to get it deleted. For consumers with an EWS record, it can last for 7 years unless you’re able to successfully dispute EWS.
Whether you choose a bank or credit union, Delaware residents have several choices for banks in Delaware that don’t use ChexSystems. Take the time to build a solid banking relationship that will help you grow your money while maintaining a safe place to conduct daily expense transactions.
Banks in Delaware that don’t use ChexSystems
BBVA offers an online checking account. It’s a fee-free account that makes it easy to manage your money on the go with mobile banking. Customers enjoy free checking, unlimited check writing, cash back in categories like gas and groceries throughout the year. Free ATMs at BBVA and at 55,000 AllPoint ATMs in the network. Unlimited check writing, bill payment and mobile check deposit also included.
What else can you expect from this checking account?
- Apply with only $25 opening deposit
- No monthly Service Charge
- Earn cash back on everyday debit and credit card purchases
- Complimentary Online Banking and Mobile Banking, Bill Pay and Online Statements
- No ATM withdrawal fees at any BBVA or Allpoint® ATM
- BBVA USA, Member FDIC
BBVA offers great features with the ClearChoice Money Market Account like mobile check deposits, direct deposit, bill payment and ATM banking at BBVA ATMs. The account requires a deposit of $25 to open. A money market account is like your basic savings account – the higher your balances, the greater your interest-earning possibilities. Open today.
Chime Bank is primarily a spending account to conduct your daily expenses that anyone can open. Get paid up to 2 days early with early direct deposit. Other features include no overdraft fees and no monthly service fees. If you need a check written, Chime Bank will create and mail a paper check for you at no charge. No opening deposit required. If you open a savings account too, you can save money when you make a purchase or pay a bill with your Chime Visa® Debit Card. Chime will round up transactions to the nearest dollar and transfer it to your savings account.
List of Delaware Banks and Credit Unions that offer Second Chance Checking
Del-One Credit Union uses ChexSystems but you can open a checking account if the you have only one record and it is paid. Fraud must not be reported.
They use Chexsystems but if there is only one reporting bank and the debt has been cleared for at least 12 months, they will open an account. No fraud can be indicated.
WSFS Bank offers a Fresh Start Checking Account.
The Rewards Card Checking offers deposit of payroll or government benefit with a monthly fee of $4.95 and $7.95 per month without direct deposit, you’ll receive a checkbook and Mastercard® debit card with no overdraft fees or ATM fees! Free nationwide ATM access at over 55,000 Allpoint®.
Non-ChexSystems Banks by State
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia