Banking » Delaware No-ChexSystems Banks and Second Chance Checking

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Delaware No-ChexSystems Banks and Second Chance Checking

There are many reasons why individuals need options like second chance banking in Delaware and seek out Delaware no-chexsystems banks.

Some Delawareans avoid big banks due to distrust or bad experiences. Others encounter financial setbacks and end up flagged by ChexSystems or Early Warning Services, which can keep them from opening new accounts for up to seven years, a significant hurdle for anyone trying to get back on their feet. This issue is not small in Delaware.

Delaware Unbanked Households

According to the FDIC, in 2023, about 3.5% of Delaware households are “unbanked,” meaning no one in the household holds a checking or savings account. Lacking a bank account makes it significantly more challenging to pay bills online, manage spending, or receive direct deposit paychecks.

The good news is that while most banks and credit unions screen applicants through ChexSystems or credit reports, there’s an expanding list of second chance banking options in Delaware. These banks either do not use ChexSystems or are willing to work with individuals who’ve had past banking difficulties.

Delaware Online No-ChexSystems Banks

ChexSystems Resources

Banks That Don’t Use ChexSystems – Take a look at our list of banks that do not use ChexSystems for a new checking account.
EWS (Early Warning Services) – EWS is similar to ChexSystems and can prevent you from opening a checking account.
Check your ChexSystems Report – Unsure what information exists in your ChexSystems report? Learn how to find out.
ChexSystems Scores – Did you know that you have a ChexSystems score similar to a credit score? Find out how to get yours.
Account Abuse – Find out why ChexSystems often reports customers for account abuse with no real explanation of what that notation means.