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.

X 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.

Current

Our Top Pick

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.

Chime

Features & Benefits

  • No ChexSystems checks or credit pull
  • Open an account with no minimum deposit
  • Access over 60,000 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 60,000 fee-free ATMs, early direct deposit, and cash deposit options at more than 8,500 Walgreens locations.

SoFi

Features & Benefits

  • Earn up to $300 with qualifying direct deposit
  • No monthly fees or minimum balance requirements
  • Up to 3.80% 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 $300, plus earn a competitive 3.80% 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.

First Interstate Bank

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.

Valley Credit Union

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.

Wells Fargo

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.

WyHy Federal Credit Union

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.

Wyo Central Federal Credit Union

Wyo Central Federal Credit Union offers Second Chance Checking for those who have struggled to maintain a positive banking record.

The account includes a debit card and essential banking features to help you manage your finances. With responsible account management, you may qualify for traditional checking options over time.

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