The Best Banks & Credit Unions in Wyoming That Offer Second Chance Bank Accounts

Editor's Choice

BBVA Online Checking

BBVA is one of the most well-known banks for Wyoming residents that are looking for a second chance bank account.

You can open this account with as little as $25 for your initial deposit.

Features and Benefits

  • Bad credit OK
  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online and mobile banking facilities included
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

Recommended For:

Right now, a free checking account at BBVA is the only trusted option for customers looking for a Second Chance Checking account with high approval rate and excellent features and conditions. Use this opportunity to rebuild your credit while having a bank account with no restrictions.

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in Wyoming that offer second chance banking and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if there are any proven, top picked solutions are available in your area (listed above) or on our page with best non-ChexSystems banks and other banking alternatives.

See more: Comprehensive List of Non-ChexSystems Banks

This page is updated regularly, so please consider adding it to your bookmarks.

Greater Wyoming Federal Credit Union Freshstart Checking

WyHy Federal Credit Union Second Chance Share Draft

WYO Central Federal Credit Union 2nd Chance Checking

Valley Federal Credit Union Opportunity Checking

Bank of the West

Form of Verification: ChexSystems

Special Notes:

  • The manager told me its called "Fresh Start".
  • Your last entry into ChexSystems must be older than one year.
  • Cannot say fraud.
  • $10 a month.

Types of Accounts Offered: Second Chance Checking

Learn more about Bank of the West

Unified People's Federal Credit Union

Form of Verification: Credit Report

Email from Bank:

Thanks for checking out Unified People's Federal Credit Union! When opening a new checking or savings account, we run a credit report only if you want a debit card associated with your checking account. If you have a score under 600, the request for a debit card must be approved by management. Management can approve or opt to review the checking account activity and credit score again in six months. If your score is 600 or above, the teller opening the account can authorize the debit card.

Types of Accounts Offered: Personal Savings and Checking accounts

Learn more about Unified People's Federal Credit Union

First Education Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

If you are reported to ChexSystems you can still open a SAVINGS ONLY.

Email from Bank:

Thank you for your email. We do use ChexSystems when opening an account. If you are reported on ChexSystems you do not qualify for a checking account, checks, or a debit card; however, you can open a savings account with NO ATM card. If reported and you open a savings account, the first negative transaction we will have to close your account.

Types of Accounts Offered: Savings only

Learn more about First Education Federal Credit Union

Families First Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

If your debt to the reporting bank is paid and there is only one report, you can get an account. Fraud should not be reported.

Email from Bank:

I called the bank and they are willing to work with anyone who had paid the debt to the reporting bank.

Types of Accounts Offered: Personal Checking and Savings

Learn more about Families First Federal Credit Union

U.S. Bank

Form of Verification: ChexSystems

Special Notes:

It has been reported that if your report is 21/2 yrs or older, they will not even see it. If this is your situation you can apply online, if not, you would need to visit an “in store” branch.

Most US banks “in store” branches are giving accounts to most people on ChexSystems. These are regular accounts, not 2nd chance long as you do NOT owe US Bank money and you are not reported on your ChexSystems report for any kind of "fraudulent activity".

There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in.

Some “in store” branches have signs that actually says “ChexSystems? no problem!”… yet others will not open accounts at all. People are approved everyday.

Some branches do offer 2nd chance checking and some have been able to open business accounts when all debt to reporting bank(s) are paid and fraud is not indicated.

Types of Accounts Offered: Personal Checking, Savings and Business accounts

Learn more about U.S. Bank

Banks and Credit Unions That Offer Second Chance Banking by State

ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
District of ColumbiaMontanaUtah
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota