Nowadays, it can be really hard to find a bank that doesn’t use credit reporting agencies in Delaware. But have no fear! Other options might be even better. A second chance bank account is a version of a standard checking account offered by a financial institution that doesn’t work with a credit reporting agency like EWS or ChexSystems. The bank can still check your history, but because it is a second chance bank, it offers an account with a slightly higher monthly payment.
At the end of the day, it’s not about giving out a loan or mortgage, but about letting you manage your funds!
A poor banking history is not an issue with Chime. They provide a no-credit-check financial app, a debit card, and a credit-builder Visa credit card. The Chime Spending Account is completely free, with no monthly fees. They’ll even match your debit-card transactions up to $200 with no overdraft fees.
60K+ fee-free Money Pass and Visa Plus Alliance ATMs are available with Chime. Direct deposit also allows you to get your paycheck up to two days early.
The Chime Credit-Builder Visa Credit Card can help you start developing credit. There are no annual fees, no credit checks, and no interest rates with this secured credit card. You can also deposit cash at 8,500+ Walgreens locations for free.