If you have a damaged checking history, getting a bank account in Wyoming can be difficult. Banks may be less likely to approve you because of past instances of excessive overdrafts, non-sufficient funds, or outstanding fees owed to former financial institutions. But all of those events can stay on your ChexSystems report for up to five years, making it hard to qualify for new banking services.
Thankfully, you don’t need to wait that long to qualify for a new account. You have options in the form of either a non-ChexSystems bank or a second chance checking account. Every bank has a slightly different way of approving applicants and how robust of services they offer for second chance checking. Either way, you could benefit from better banking services and lower fees compared to alternatives like expensive check cashing and prepaid debit cards.
Non-ChexSystems & Second Chance Banks in Wyoming
Check out our list of banks in Wyoming that don’t use ChexSystems or offer second chance banking. We’ve also included some great online bank accounts that you can set up today from the privacy and comfort of your own home.
With Chime, bad banking history is not an issue. They offer an award-winning financial app, a debit card, and a credit-builder Visa credit card, all with no credit check.
The Chime Spending Account is 100% free and has no monthly fees:
- no overdraft fees
- no monthly maintenance fees
- no foreign transaction fees
- no minimum balance fees
They’ll even spot you up to $200 on debit card purchases with no overdraft fees.
You can also start building your credit with the Chime Credit Builder Visa Credit Card. It’s a secured credit card with no annual fees, no credit checks, and no interest charges.
Chime has over 60,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs. Plus, you can get your paycheck up to 2 days earlier with direct deposit. You can also deposit cash for free at over 8,500 Walgreens.
You can see why Chime is our #1 choice.
While there’s no guarantee with US Bank, many branches advertise that you can get approved for an account if you apply in person, so it’s worth a shot.
Their Safe Debit account doesn’t come with checks or overdraft protection but you do get a Visa debit card, online and mobile banking, plus remote check deposit. The monthly fee is $4.95 and you can also access your VantageScore credit score for free each month.
Other checking options include Platinum Checking, Easy Checking, and Student Checking. They have branch locations in Laramie and Cheyenne.
When you get declined for regular checking with Wells Fargo, you could still get approved for Opportunity Checking. There’s a required opening deposit of $25 and you’ll also pay a $10 monthly fee.
To have that fee dropped and make it a completely free account, however, you just need to do one of three things. You can either use your debit card at least 10 times a month, get direct deposits of $500 or more a month, or keep a daily balance of at least $1,500.
Opportunity Checking comes with both a debit card and checks, plus online and mobile banking. You can even sign up for overdraft protection when open and link an Opportunity Savings account. As a national bank, Wells Fargo has branches across the state of Wyoming.
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.
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.