Non ChexSystems Banks & Credit Unions in Wyoming

Non-ChexSystems Bank Account at BBVA Compass is Available in Wyoming!

Listed in ChexSystems or have bad credit? BBVA Compass approves customers in ChexSystems for their ClearChoice Money Market bank account.


Account Benefits
Not a ChexSystems Bank

Unlike most other banks and credit unions, BBVA does not run ChexSystems for customer verification.

Easy, Convenient Online Banking

Keep an eye on your accounts, transfer money and pay your bills with free online banking.

Pay Your Bills On Time the Easy Way

Never miss another bill payment again. With free bill pay online, you can schedule one-time or recurring payments to individuals or businesses.

Free ATMs

No ATM transaction fee for withdrawals and deposits at BBVA ATMs.

 

Right now, a guaranteed bank account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a second chance bank account. With a high approval rate and excellent features and conditions, this is a fantastic opportunity to rebuild your credit.

Local Banking Options

Following is the web’s most comprehensive list of banks and credit unions in Wyoming which do not use ChexSystems 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 our proven, guaranteed approval solution is available in your area (listed above).

This list also contains email responses from banks as well as applicants’ personal experiences and comments. This page is updated regularly, so please consider adding it to your bookmarks.

Name of Bank Bank of the West
Form of VerificationChexSystems
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 OfferedSecond Chance Checking
Name of Bank WESC Federal Credit Union
Form of VerificationChexSystems
Special Notes

FreshStart Checking - Available for those member who may have had problems with past checking accounts. A higher minimum required deposit and monthly service charge apply.

Membership Information

Membership is only limited to those of you who live, work, worship, or goes to school in Natrona or Converse Counties.

Email from Bank

Yes, we do run a ChexSystems report before opening an account. We do have a checking account product, however designed for someone who may be reported on ChexSystems, provided that the account being reported has been paid. We call it a FreshStart Checking and it does have a monthly service charge of $10. The member is also required to have a minimum $125 on hold in the Share account. If after 12 consecutive months with no NSF’s the account can be converted to a regular checking with no funds on hold or monthly charge.

Types of Accounts OfferedSecond Chance Checking
Locations

Casper Branch
155 W Collins, Casper WY 82601

Douglas Branch
135 S 3rd, Douglas WY 82633

Name of Bank United People’s Federal Credit Union
Form of VerificationCredit Report
Membership Information

There are several easy ways to become a Member of Unified People's Federal Credit Union. You or a family member can work or worship at one of the organizations listed below. Or, with a $10.00 donation, you can become a Friend of the Cheyenne Animal Shelter.

See the eligibility page.

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 OfferedPersonal Savings and Checking accounts
Locations

414 E. 18th Street
Cheyenne, WY 82001

Name of Bank First Education Federal Credit Union
Form of VerificationChexSystems
Special Notes

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

Membership Information

If you live or work in Laramie County, Wyoming, you are eligible to join First Education Federal Credit Union.

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 OfferedSavings only
Locations

120 West Carlson Street
Cheyenne

Name of Bank Families First Federal Credit Union
Form of VerificationChexSystems
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.

Membership Information

Anyone who lives, works, worships, or attends school in Natrona county may join.

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 OfferedPersonal Checking and Savings
Locations

770 East Collins Drive
Casper, WY

Name of Bank U.S. Bank
Form of VerificationChexSystems
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 checking...as 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 OfferedPersonal Checking, Savings and Business accounts

    More Non-ChexSystems Banks in the U.S.

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