If you recently applied for a checking account and were denied because of a negative banking history, you’re not alone. Approximately 85% of banks in Wyoming use a company called ChexSystems when you apply for a new checking account. If you have experienced several overdraft checks from another bank or have been unable to pay overdraft fees, ChexSystems will flag that behavior making it next to impossible to find a bank willing to work with you.
Granted, ChexSystems is the safety net for bank institutions to weed out people who have committed fraud or identity theft, but if you get caught in the net it can be crippling. And most of us absolutely require the use of a bank checking account to manage our money, pay bills, and receive direct deposits from an employer or government agency.
Fortunately, some banks and credit unions offer so-called No ChexSystems Checking Accounts and/or Second Chance Checking Accounts to help people rebuild their credit and financial histories. Our job at checkingexpert.com is to find those institutions in Wyoming that can assist you.
Here’s the list of banks in Wyoming offering these services:
The Best Second Chance Banks

Why do we recommend BBVA Online Checking so highly? If you’ve got poor credit or find yourself on ChexSystems, BBVA will approve you for an account.
- NO monthly service charge
- NO monthly account balance minimums
- NO fees at over 64,000 Allpoint® and BBVA ATMs worldwide
- FREE online banking, bill pay, and mobile deposits
- FREE unlimited check writing
- FREE Visa® debit card
- Open with as little as $25
- BBVA USA, member FDIC
It’s simple to apply. The BBVA website is simple and easy to interact with. There is a $25 minimum deposit required to open an account. Your online approval is immediate. BBVA is one of the most friendly banks for those who need a second chance at a checking account. The entire process from start to finish takes about 3 minutes.
Your BBVA Visa Debit Card allows you access to all BBVA ATMs and Allpoint ATMs. Allpoint ATMs can be found at these retailers and many more:

Another perk that makes this account stand out is that if you use direct deposit for paychecks from your employer, you can access that money two days sooner than you could with many other banks.
Though Chime doesn’t offer paper checks, users can still send checks to anywhere in the U.S. using the bank’s mobile app — which can also be used for making check deposits on the go.
Open a Chime Bank account today!
List of the Best Second Chance Banks and Credit Unions in Wyoming
Financial Institution | Product |
BBVA (Our Top Pick) | BBVA Online Checking |
Chime Bank (Runner Up) | Chime Spending and Savings Account |
Bank of the West | Fresh Start |
Go Bank | Mobile Banking |
Greater Wyoming Federal Credit Union | FreshStart Checking |
GTE Financial | Go Further Checking |
Navy Federal Credit Union | Free eChecking |
Peoples Cash Solutions | Second Chance Checking |
Radius Bank | Essential Checking |
SoFi Money | Cash Management Account |
US Bank | Safe Debit Account |
Valley Credit Union | Clear Access Banking |
Varo Bank | Online Bank Account |
Washington Savings Bank | Online Rewards Checking |
Wells Fargo | Clear Access Banking |
WyHy Federal Credit Union | Second Chance Checking |
WYO Central Federal Credit Union | 2nd Chance Checking |