Banks That Don’t Use ChexSystems in Wyoming

U.S. Bank is now inviting new customers to take advantage of a special online promotion:

• Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
• Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
• Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

The checking account comes with a free debit card and the option to lock or unlock the card if it’s ever lost or stolen.

Plus, you’ll never have to worry about ATM transaction fees at U.S. Bank ATMs or surcharge fees at over 40,000 MoneyPass Network ATMs.

U.S. Bank uses ChexSystems, but it has a history of being more lenient with records than most banks.

As long as you don’t have a history of fraud, or you don’t owe any money to U.S. Bank, you may be able to open a checking account with them.

The minimum opening deposit for this account is just $25, and the monthly service fee is $6.95. However, you can avoid the monthly fee by maintaining a minimum balance of $1,500 or by having a minimum monthly direct deposit of $1,000.

The SoFi Checking and Savings account provides a multitude of benefits, including no overdraft fees, balance requirements, or monthly charges.

For a limited time, there’s an enticing sign-up bonus of up to $300 with qualifying direct deposits.

In addition, account holders can utilize 55,000 ATMs free of charge via the Allpoint® Network. Those establishing direct deposit can earn up to 3.80.00% APY on their savings and 0.50% APY on checking accounts.

Direct deposit users also get the added benefit of early access to their paychecks – up to 2 days ahead.

Current lets you open a mobile bank account without ChexSystems checks or credit pulls. It’s built for speed, flexibility, and getting your finances back on track.

You can build credit just by using your Current debit card—no loans, credit checks, or interest charges involved. There are no monthly or annual fees for this feature.

Current also offers fee-free overdraft protection up to $200, access to over 40,000 Allpoint ATMs, and no minimum balance requirements.

With a Premium account, you can get paid up to two days early with direct deposit. Current also offers up to 4.00% APY through its Savings Pods, which lets you earn interest while keeping your money accessible.

With Chime, bad banking history is not an issue. They offer an award-winning financial app, a checking account with a debit card, and a savings account, all with no credit check.

When you open a Chime Checking Account, you won’t have to worry about monthly maintenance fees, foreign transaction fees, or minimum balance fees.

You can also start building your credit⁷ with the Secured Chime Credit Builder Visa^® Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges¹.

Chime has over 60,000¹ fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit². You can also deposit cash for free at over 8,500 Walgreens.

Upgrade doesn’t pull your ChexSystems report, but they do look at your credit report.

The Upgrade Rewards Checking account has no monthly fees and no overdraft fees. You’ll also get a free Visa debit card, and up to 2% cash back on everyday debit card purchases.

The Upgrade Premier Savings account delivers an impressive 4.02% APY, giving you a remarkable opportunity to grow your savings faster.

You’ll get access to over 55,000 fee-free ATMs through the Allpoint network, including Walgreens and CVS locations. Plus, checking account customers can qualify for up to 20% lower rates on Upgrade loans and credit cards.

This account is check-free and overdraft-free, offering peace of mind with no unexpected fees. It comes with a Mastercard® debit card, online and mobile banking, and free electronic statements.

There is a $5 monthly service charge, and it cannot be waived. However, overdraft protection and checks are not available with this account.

Branches are located in Buffalo, Casper, Cheyenne, Gillette, Jackson, Lander, Laramie, Mills, Riverton, and Sheridan.

You can open this account with a $50 deposit, and the monthly fee is $7.50, though setting up direct deposit reduces it to $5.

This account includes modern banking tools such as free online and mobile access, e-statements, and bill pay, making it a convenient option for managing finances.

While Valley Credit Union primarily serves Montana, they also have one branch located in Cody, Wyoming.

This second chance account has a $5 monthly fee, which is waived if the account holder is between 13 and 24 years old.

A minimum deposit of $25 is required to open the account, and it includes online bill pay, mobile banking, and access to over 13,000 free ATMs.

Branches are located in Casper, Cheyenne, Cody, Evanston, Gillette, Jackson, Laramie, Riverton, Rock Springs, and Sheridan, with additional branches available across Wyoming.

You’ll need a $25 opening deposit, but there’s no minimum balance requirement once the account is open.

The account has a $15 monthly fee, which can be reduced to $10 with direct deposit. Some restrictions apply, such as no temporary checks, dividends, courtesy pay, or mobile deposit.

However, after 12 months of maintaining the account without any non-sufficient fund occurrences, you may be eligible for an upgrade to a regular checking account.

Membership is available to employees of select groups or members of various Wyoming organizations. Branches are located in Casper, Cheyenne, Green River, Lyman, and Rock Springs.

This account provides a debit card and access to essential banking services, making it easier to manage your finances effectively.

By managing your account responsibly, you can improve your banking history over time and eventually qualify for more traditional banking options.

To become a member, you need to live, work, worship, or attend school in Natrona or Converse County.

Membership applications and account openings can be completed online or by visiting one of their branches in Casper.