Second Chance Checking Accounts in Wyoming

Opening a checking account isn’t always easy if your banking history includes unpaid fees, overdrafts, or account closures. Many banks and credit unions in Wyoming use screening tools like ChexSystems, making it harder to get approved after past mistakes.

Fortunately, some Wyoming banks and credit unions offer second chance checking accounts designed to help you rebuild your finances and get access to everyday banking.

9 Banks & Credit Unions Offering Second Chance Bank Accounts in Wyoming

Here’s a list of second chance checking options available across Wyoming for those looking to recover from past banking challenges and open a new account.

SoFi

Our Top Pick
SoFi
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Features & Benefits

  • Earn up to $400 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.30% APY on savings balances
  • Access to 55,000+ fee-free ATMs

SoFi’s Checking and Savings account is designed to help you keep more of your money. There are no monthly maintenance fees, no overdraft fees, and no minimums to worry about.

Set up direct deposit, and you can unlock a sign-up bonus of up to $400, plus earn a competitive 3.30% APY on your savings. Checking accounts earn 0.50% APY as well.

You’ll also have access to over 55,000 fee-free ATMs and the ability to get paid up to two days early with direct deposit.

Apply online →

Current

Current
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Features & Benefits

  • Build credit automatically with your debit card activity
  • No monthly fees or minimum deposit required
  • Over 40,000 Allpoint ATMs nationwide
  • Early direct deposit—get paid up to 2 days sooner

Current gives you a simple way to open a checking account without ChexSystems or credit checks. You can start building credit by using your debit card for everyday purchases—no loans, hard inquiries, or interest involved.

There’s no minimum balance to maintain, no hidden fees, and access to thousands of fee-free ATMs across the U.S.

Current’s Premium account also includes early direct deposit and Savings Pods that earn up to 4.00% APY, helping your money grow without sacrificing flexibility.

Apply online →

Chime

Chime
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Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 47,000 fee-free ATMs nationwide
  • Optional secured credit card to help build credit

Chime makes it easy to open a checking account, even if your banking history isn’t perfect. There are no monthly fees, no foreign transaction charges, and no minimum balance required.

You can also boost your credit with the Chime Credit Builder Visa®—a secured card with no credit check, no annual fee, and no interest charges.

Chime gives you access to over 47,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

Apply online →

Stash

Stash
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Features & Benefits

  • No hidden fees
  • Earn stock as you spend with Stock-Back® rewards
  • Get paid up to two days early with direct deposit
  • 55,000+ fee-free ATMs through Allpoint®

Stash offers a checking account that does not require ChexSystems or a credit check. This makes it accessible if you have had trouble opening accounts in the past.

Each time you use the Stash debit card, you earn Stock-Back® rewards in the form of small pieces of stock from the brands where you spend.

You can also receive your paycheck early through direct deposit. The account has no overdraft fees.

The account is managed through the Stash mobile app. The app also gives you tools for investing and budgeting.

Apply online →

First Interstate Bank

First Interstate Bank
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First Interstate Bank offers Simple Banking, a BankOn-certified account designed for those working to rebuild their financial history.

The account is check-free and overdraft-free, helping you avoid unexpected fees. It comes with a Mastercard® debit card, online banking, mobile banking, and free eStatements.

There’s a $5 monthly service charge that cannot be waived. Overdraft protection and checks are not included.

First Interstate Bank has branches in Buffalo, Casper, Cheyenne, Gillette, Jackson, Lander, Laramie, Mills, Riverton, and Sheridan.

Apply online →

StagePoint Federal Credit Union

StagePoint Federal Credit Union
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StagePoint Federal Credit Union offers Fresh Start Checking for members who have had past account closures and need another opportunity at banking.

This account comes with a VISA® debit card, no minimum balance, and a $5 monthly service fee. Online and mobile banking make it easy to deposit checks, pay bills, and manage your account.

Membership is open to those who live, work, worship, or attend school in Natrona or Converse County. You can apply online or stop by a branch in Casper.

Apply online →

Valley Credit Union

Valley Credit Union
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Valley Credit Union provides Opportunity Checking, a second chance account for people who need help reestablishing their banking record.

You’ll need a $50 deposit to open the account. The monthly fee is $7.50 but drops to $5 with direct deposit.

The account includes online and mobile banking, eStatements, and bill pay for convenient money management.

While Valley Credit Union primarily serves Montana, they operate one branch in Cody, Wyoming.

Apply online →

Wells Fargo

Wells Fargo
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Wells Fargo offers Clear Access Banking, a second chance account for those with past banking challenges.

The account requires a $25 opening deposit and has a $5 monthly fee, waived for account holders between 13 and 24 years old.

You’ll get online bill pay, mobile banking, and access to over 13,000 free ATMs nationwide.

Wells Fargo has branches across Wyoming, including Casper, Cheyenne, Cody, Evanston, Gillette, Jackson, Laramie, Riverton, Rock Springs, and Sheridan.

Apply online →

WyHy Federal Credit Union

WyHy Federal Credit Union
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WyHy Federal Credit Union provides Second Chance Checking for members looking to rebuild their banking history.

The account requires a $25 deposit to open. There’s a $15 monthly fee, reduced to $10 with direct deposit. It includes a Visa EMV debit card and unlimited transfers and withdrawals.

Some restrictions apply—there are no temporary checks, dividends, mobile deposits, or courtesy pay.

After 12 months of maintaining a positive account with no NSF occurrences, you may be eligible to upgrade to a regular checking account.

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

Apply online →

Second Chance Banks by State

Choose your state from the list below to find second chance checking accounts and see what options are available near you.