Banks in Delaware that don’t use ChexSystems: Get a Second Chance

banks-in-delaware-that-don't-use-chexsystems

If you’re unbanked in Delaware due to ChexSystems, it’s estimated that you spend from 1-10% of your salary for check cashing services, prepaid debit cards or other alternative financial services.

A 2019 report by the Federal Reserve estimated that some 63 million Americans are currently without a bank account or access to broader financial services products. This accounts for around 22% of the population.

Banks in Delaware that don’t use ChexSystems, gives unbanked people a second chance at banking and an opportunity to save on fees related to alternative financial services.

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 Online Checking

BBVA offers an online checking account that utilizes EWS to verify new customers. It’s a no monthly Service Charge account that makes it easy to manage your money on the go with mobile banking.

Customers enjoy free checking, unlimited check writing, cashback in categories like gas and groceries throughout the year. Free ATMs at BBVA and at 64,000 AllPoint ATMs in the network. Bill payment and mobile check deposit also included, you can even deposit cash at some AllPoint ATM locations.

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. Deposit cash at some AllPoint ATMs.
  • BBVA USA, Member FDIC

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Langley Federal Credit Union

Langley Federal Credit Union is headquartered in Newport News, VA. Membership is open to people in ALL States. You must open a share savings account with a minimum of $5 in order to open a checking account. Earn a $30 checking account bonus if you complete 10 debit card transactions within 60 days of opening your account.

Smart Checking Account Details

  • $0 minimum opening checking account but you must open a share savings account with a $5 minimum deposit
  • No minimum balance and No monthly service charge.
  • Free mobile banking.
  • Access 55,000+ Allpoint ATMs Nationwide.
  • Free online bill pay.
  • Get paid up to 3 days early with direct deposit.

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Chime

Chime 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 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.

Del-One Credit Union

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.

Dexsta Federal Credit Union

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

WSFS Bank offers a Fresh Start Checking Account.

Washington Savings Bank

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®.

 

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