If you have found yourself on the ChexSystems database, you may be wondering how you will ever open another bank account. If you have bad financial credit, many banks will consider you a risk. This occurs when you have bounced checks, kited checks, accrued NSF fees, or even had a negative balance for a specific amount of time. Oftentimes, once your poor credit has been noticed you will no longer be extended the opportunity to bank with ChexSystems banks.
Luckily, there are usually banks called ‘no credit check banks’ or ‘non-ChexSystems banks’ which provide services to customers with bad credit. These financial institutions accept you, knowing that you are a risk. This can mean that they may require a deposit to be held in reserve, in case of NSF fees, etc. or it may mean that they require some form of collateral. Either way, you are able to rebuild your credit by using these alternative banks or credit unions.
It is often not an option to simply wait out your time, as ChexSystems keeps your information on file for five years. Five years is a long time to do without any kind of banking ability. You are unable to write a check or set up direct deposit of your pay check.
Delaware has one financial institution that is a Non ChexSystems Bank. You may want to start with this one and see if it can provide the services you are looking for.
Please note that the information about non chexsystems banks changes each year (even month). We cannot guarantee any of the banks listed won’t do a non chexsystems check (though at the time of compiling, these banks don’t require a chexsystems check). You will have to call the banks to see.
We recommend trying to apply for the BBVA Compass ClearConnect Checking Account. This bank account can be applied for nationally and they have a reputation for giving accounts to customers with bad banking history — like you.
Even better, if you get your application rejected, they will offer you their Second Chance ‘BBVA Compass Easy Checking‘ Account. So either way, you should be able to get an account.
Non Chexsystems banks in Delaware
Fort Sill National Bank (800) 749-4583
WSFS Bank Fresh Start Checking
More Non ChexSystems Banks in the US by State