Have you tried to open a checking account in Wyoming, but can’t get approved? It’s probably because you have a negative listing in ChexSystems. Most banks in Wyoming use ChexSystems to review your banking history.
Fortunately, you still have options. There are several banks that don’t use ChexSystems during the application process, and others that offer second chance checking.
Non-ChexSystems & Second Chance Banks in Wyoming
Take a look at this comprehensive list of banks and credit unions in Wyoming that either don’t use ChexSystems, or offer second chance checking accounts.
Chase
Features & Benefits
- $100 bonus after 10 purchases
- No credit check or ChexSystems
- Over 16,000+ fee-free ATMs
- Over 4,700 branches nationwide
- $4.95 monthly service fee
U.S. Bank
- $600 sign-up bonus
- Minimum opening deposit of $25
- Monthly service fee: $0 or $6.95
- Over 40,000 surcharge-free MoneyPass ATMs
Axos Bank
Features & Benefits
- $100 sign-up bonus
- Earn up to 3.30% APY
- No monthly maintenance fees or overdraft fees
- Unlimited domestic ATM fee reimbursements
- Get early direct deposits and tax refunds up to 2 days early
The Rewards Checking account from Axos Bank is an excellent choice for those looking for a bank account with no monthly maintenance fees, unlimited domestic ATM fee reimbursements, and cash back rewards.
Chime
Features & Benefits
- Over 14.5 million downloads
- No credit check or ChexSystems
- No minimum opening deposit
- Over 60,000 fee-free1 ATMs
Current
Features & Benefits
- No minimum balance or monthly fees
- Fee-free overdraft up to $200 with Overdrive
- 40,000 fee-free Allpoint ATMs in the U.S.
- Get paid up to 2 days faster
- No credit check or ChexSystems
GO2bank
Features & Benefits
- No ChexSystems or credit check
- 4.50% APY on savings
- Over 19,000 fee-free ATMs
- $5 monthly fee can be waived
Aspiration
Aspiration’s Spend & Save Account is a hybrid checking and savings account that is entirely online. There’s a $10 minimum opening deposit to get started.
With an Aspiration debit card, you get unlimited fee-free withdrawals at over 55,000 ATMs and one out-of-network ATM reimbursement per month. You can also get paid up to two days early with direct deposit.
You can earn up to 5.00% APY when you spend $1,000/month and deposits are FDIC insured.
Wells Fargo
If Wells Fargo declines you for a standard checking account, you may still qualify for their “Clear Access Banking” account.
This second chance checking account has a monthly fee of $5. The only way to avoid it is if the primary account owner is 13 – 24 years old.
There’s a minimum opening deposit of $25. You get access to online bill pay, mobile banking, and over 13,000 ATMs free of charge.
WyHy Federal Credit Union
WyHy Federal offers Second Chance Checking that comes with a Visa EMV debit card and unlimited transfers and withdrawals. You need an opening deposit of $25, but there’s no minimum balance to maintain after the account is established.
There’s a monthly fee of $15, but you can get it dropped to $10 by signing up for direct deposit. Restrictions include no temporary checks, dividends, courtesy pay, or mobile deposit. However, after 12 months of no instances of non-sufficient funds, you can potentially upgrade to a regular checking account.
Membership is open to employees of select employee groups or members of various Wyoming organizations. Branches are located in Casper and Cheyenne.
Wyo Central Federal Credit Union
You can apply for 2nd Chance Checking from Wyo Central Federal. A debit card comes with the account and you’re able to rebuild your checking background as you build a positive history by responsibly managing your funds.
To become a member you must live, work, worship, or attend school in Natrona or Converse County. You can apply online or visit in person at one of their branches in Casper.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
Non-ChexSystems Banks by State
Looking for more information and additional options available in your area? Select your state from the list below to find out all your options for banking.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming