Second Chance Checking Accounts in Wyoming

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.

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, with 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 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®. It’s 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.

Stash offers a checking account with no ChexSystems review or credit check. This makes it accessible if you’ve 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.

Everything is managed through the Stash mobile app, which also includes investing and budgeting tools.

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.

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.

It strips away the things that trip people up, so you can store your money without worrying about fees or balance requirements.

There is no minimum deposit to open and no monthly fee, and the account comes with a free debit card and digital banking to track your spending.

You also get access to the nationwide Shared Branching network, though some online banking features are limited compared to UniWyo’s other checking accounts.

UniWyo has branches in Casper, Cheyenne, Cody, Douglas, Glenrock, Laramie, and on the University of Wyoming campus.

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.

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.

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.