Low-cost checking accounts in Wyoming

Wyoming has one of the smallest sets of certified accounts in the country — 14 of them, against a national median of around 32, which places it #48 of the 51 states and territories we track. Only 2 of those come from an institution rooted in Wyoming; the other 12 are national banks whose accounts appear on every state list. At 14% local against a 36% median, Wyoming leans unusually hard on national providers.

9 of the 14 carry a $0 monthly maintenance fee; the 5 that do charge run from $4.95 to $12 a month. 10 can be opened with $0 on deposit, and the largest opening deposit asked anywhere on this list is $25. None of the 14 operate an overdraft program at all.

The state-based listings here come from Hilltop Bank and Zions Bank.

Certified accounts
14
$0 monthly fee
9
No overdraft program
14
Local institutions
2

First Interstate Bank

Simple Banking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Discover Bank

Cashback Debit Checking Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Hilltop Bank

On Checking

LocalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Contact bank

Ally Bank

Spending Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
75,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Alliant Credit Union

High-Rate Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
80,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Alliant Credit Union

Teen Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
80,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Quorum Federal Credit Union

QFlex Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

nbkc bank

Everything Account

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
90,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

LendingClub

Level Up Checking

NationalBank On Certified

Costs you per year

$0.00

No monthly maintenance fee.

Monthly fee × 12
$0.00 × 12 = $0.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Unlimited ATM fee rebates

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

U.S. Bank

Safe Debit Account

NationalBank On Certified

Costs you per year

$59.40

$4.95 a month, every month.

Monthly fee × 12
$4.95 × 12 = $59.40
To open
$25 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
USA network

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

BMO

Smart Money Checking

NationalBank On Certified

Costs you per year

$60.00

$5.00 a month, every month.

Monthly fee × 12
$5.00 × 12 = $60.00
To open
$25 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
40,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Wells Fargo

Clear Access Banking

NationalBank On Certified

Costs you per year

$60.00

$5.00 a month, every month.

Monthly fee × 12
$5.00 × 12 = $60.00
To open
$25 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
10,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Zions Bank

OnBudget Banking

LocalBank On Certified

Costs you per year

$60.00

$5.00 a month, every month.

Monthly fee × 12
$5.00 × 12 = $60.00
To open
$25 to open — this stays your money
Overdraft
No overdraft or NSF fees on this account
Free ATMs
Zions Bank ATMs

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

nbkc bank

Money Market Account

NationalBank On Certified

Costs you per year

$144.00

$12.00 a month, every month.

Monthly fee × 12
$12.00 × 12 = $144.00
To open
$0 to open
Overdraft
No overdraft or NSF fees on this account
Free ATMs
90,000+ surcharge-free

Out-of-network ATM fees are not included — we do not hold that figure per account.

Apply

Next steps for Wyoming residents