The best Reward Checking account, free and online

You need a personal checking account. Maybe you just moved to Delaware. Maybe you’re looking for a switch to the best rewards checking account around. Are you getting all the benefits you could be enjoying? You’re right to wonder. The best checking account is rewarding, free and online and comes with a bonus – big benefits. Welcome to Del-One Checking Accounts!

Any checking account can give you this:

Deposit insurance up to $250,000
Access to checks, which are preferred or required for some payments
Monthly statements that can assist with budgeting
ATMs for easy access to cash

Del-One Checking Accounts provide so much more!

Del-One offers checking accounts with a bonus – additional benefits to complement your lifestyle. Check out these checking account bonus offers:

Refunds on ATM fees
No monthly service fee and no minimum balance requirements
Unlimited check writing and debit card purchases
Online banking and online bill payments
Mobile banking and telephone banking
Electronic statements (eStatements)
Direct deposit of your pay
Overdraft protection for when you spend more than you have in your account
A low, $5 minimum deposit to open your personal checking account
A Visa® debit card for easy shopping
Online check ordering from a trusted provider

Checking Account Options

Del-One offers these great checking account options to meet your needs: Personal, Business and Student.

Personal Checking Account

Our favorite personal checking option is the Rewards Checking Account because it offers the best rewards around. Featuring two tiers of dividends on balances up to $25,000, the account gives your money the power to make more money.

Business Checking Account

Give your business a boost with a business checking account tailored with the checking tools you need, whether your business is just getting started or already off the ground. Del-One is a business checking partner you can trust. Enjoy competitive dividends plus time-saving services. Here are some highlights that show why this is the best business checking account in Delaware:

Unlimited checking accounts per business
Avoid the $10 monthly service fee by maintaining a $1,000 minimum balance – and nonprofit checking accounts are free!
Dividends are calculated on the average daily balance and paid monthly on $1,000 or more
Business online banking and Bill Pay
eStatements and phone banking
Business debit card
A low, $5 minimum deposit to open this great checking account

Start benefiting from these all these perks! Open your business checking account with Del-One today.

Student Checking Account

Our checking account for students provides opportunities for teens and young adults to learn valuable money skills and win prizes. It’s never too early to start learning financial independence. The Del-One Student Checking Account is a rewards account for ages 13 to 21. This great checking account features:

A low, $5 minimum opening deposit
No monthly service fee
No minimum balance requirements
Refunds on ATM fees
Online and mobile banking
A special school-branded debit card for showing off school pride
Join the Del-One Youth Program
First customized student debit card is free

Accountholders can earn points for making checking deposits and showing off good grades, and these points lead to a $10 deposit into the Student Checking Account. Plus, our Youth Program provides helpful student loans, college scholarships for Delaware high school seniors and a Student Rewards Visa® credit card to begin building credit as early as age 18.

If the young person in your life doesn’t have a Student Checking Account with rewards from Del-One, they’re missing out! Don’t let another day go by – you can open an account online. Click here to Apply Today!

The Best Rewards Checking Account Around

Here’s a closer look at the big benefits of our free personal checking account.

Online Banking

An online checking account is a necessity. Maintain access to your money wherever you are with online banking and Bill Pay. There are no set hours to limit when you can bank! Simply log in whenever, wherever you have a secure internet connection.

Here are just some of our online checking benefits:

Access our Personal Finance Manager
Easily apply for loans or open new accounts
View account balances and history
Transfer funds online between Del-One accounts
Link accounts from other financial institutions
View checks you’ve written
Make loan payments online directly from your personal checking account
Take advantage of advanced Bill Pay features and scheduling
Use alerts and notification options, such as “budget exceeded”

Bill Pay

Save postage and time by paying one-time or recurring bills with ease through online Bill Pay. You can schedule payments in advance, set up payment reminders, ensure payments are received on time and retain funds until paper drafts are presented for payment.

Mobile Banking

In today’s age of technology, there’s no reason you should have to run to a branch to do something simple like deposit a check. You can handle all your banking transactions right from your mobile device! Review account history, transfer funds, receive alerts and more!

Our mobile banking brings added bonuses, which makes sense since it’s part of our Rewards Checking Account:

Mobile deposit – Snap a picture of your check and deposit it into your account using your smartphone. It’s really that simple!
Mobile wallet – Use your phone to pay for purchases; it’s secure and easy! Whether you are paying in a store or within apps, you can use Apple Pay®, Google Pay™ or Samsung® Pay with your supported mobile device.
P2P Transfers – Move money from person to person with ease. You can send, request and receive money with almost anyone online or through your mobile device.
Card Command – Protect your debit and credit cards through your mobile device by receiving alerts and defining when, where and how your payment cards are used.

eStatements

The benefits of eStatements are easy to see:

Secure – Your financial statement isn’t in a mailbox, where a thief could access your personal account information.
Environmentally friendly – You can skip the paper, save a tree and see your info online.
Money saving – When we don’t have to purchase paper for printing statements or pay for postage, we pass the savings along to you in the form of lower loan rates and higher dividends.
Timely – Access your statements online as soon as they’re available; there’s no waiting for the letter carrier.
Accessible – If you need to see your statement from months ago, an easy login online gets you access.

Making the switch away from mailed paper statements is an easy decision. Go green and get eStatements!

Direct Deposit

There are more important errands in life than driving to the credit union. Save yourself a trip by signing up for direct deposit. No more waiting in line to cash your paycheck! You can have your entire check deposited into your personal checking account, or you can automatically have your funds directed into multiple accounts – checking account, savings, loan payment and even a credit card payment.

Check out these other benefits:

Convenience – You can use the time you would normally spend going to the credit union to cash or deposit your check for something more productive. You’ll still get an earnings statement on payday that tells you how much money was deposited, as well as how much was withheld for taxes, company savings plans, etc.
Safety – Millions of paychecks are lost or stolen each year. Direct deposit reduces risk and improves security with no loss of convenience.
Timely deposits – Not enough time in your day to get to a branch? Direct deposit ensures that your money is deposited on time – even up to two days early! – every time. This turnaround helps on the most hectic days, while on vacation, during holidays and when you are away on business trips.
Access – Direct-deposit funds “clear” automatically. You can write checks immediately and use an ATM or your debit card without worrying that your funds haven’t been credited.
Earnings – Direct deposit means your paycheck starts earning dividends as soon as possible.
Confidentiality – Because your paycheck passes through fewer hands, your financial affairs stay private.
Early payday – You may be able to get paid up to two days early automatically with our direct deposit. Jump-start your budgeting and get more time with your money! You gain greater control over your finances and can more easily manage unexpected expenses.

Overdraft Protection

Have you ever overlooked a purchase and found yourself a little short? Have you had unforeseen expenses at just the wrong time? Relax, you’re not stuck paying unnecessary fees. You can bounce-proof your personal checking account with Overdraft Protection. Del-One offers three options for Overdraft Protection: Overdraft Transfers, Premium Overdraft Protection and an Overdraft Line of Credit.

Overdraft Transfers – We can link one of your other Del-One accounts as an overdraft source for your personal checking account. Rather than declining a transaction, we’ll move funds to your checking account, and your transaction will be covered.
Premium Overdraft Protection – If your checking account is eligible, Premium Overdraft Protection may cover your transactions. Instead of returning an item to the affected merchant, Del-One may pay for the item, saving you from headaches, embarrassment and the cost from retailers. Then your account has up to 30 days to be brought current.
Overdraft Line of Credit – No overdrafts, no declined transactions, just easy payments! With an Overdraft Line of Credit, your personal checking account is covered. You can apply for a line of credit and, upon approval, be granted a spending limit. If a transaction comes through for your Del-One checking account and funds are not available, we’ll transfer funds from your line of credit to cover your transaction.

There’s so much at Del-One to make your free checking account rewarding and easy!

A Comparison with Competitors

Are you making a comparison of local checking accounts?

Welcome to Del-One Federal Credit Union! We invite you to check out what we offer and see for yourself how rewarding it is to bank with us. Del-One is your local, full-service financial institution with an emphasis on financial wellness and a commitment to an inclusive culture. Member focused and community driven, we’ve been here since 1960 and offer branch locations throughout Delaware.

Partner with us to create a solid financial foundation for all your adventures! We make it easy with online account opening. Prefer to talk to us? Just stop by a branch or call our Contact Center.