With nearly 50 bank options in Wyoming, deciding which bank to go with can be challenging. I’ve compiled a list of the best banks in Wyoming, where we’ll explore each bank’s unique features, products, customer service, interest rates, and fees so that you can make a better-informed decision about the best bank for you.
If you’re a proud resident of the Cowboy State and looking to open a bank account, you’re in luck. Not only is Wyoming home to a breathtaking landscape, rich history, and unique culture but also an array of excellent financial institutions.
These can range from large national banks to community-focused local banks that understand the financial needs of Wyoming’s residents.
Let’s dive into the best banks in Wyoming.
6 Best Banks in Wyoming
These are the top six banks in Wyoming where you can open an account today:
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1. U.S. Bank 
As a member FDIC national bank, U.S. Bank operates in 26 states with over 2,000 branches nationwide—13 conveniently located in Wyoming. U.S. Bank conveniently offers multiple banking products and services for individuals and businesses.
- Checking: U.S. Bank has one option for checking accounts—U.S. Bank Smartly Checking. It requires a $25 opening deposit and a $6.95 monthly maintenance fee. However, you can easily avoid the monthly fee if you receive monthly direct deposits of $1,000 or more or keep an average account balance of $1,500 or more.
- Savings: U.S. Bank offers a single savings account—Bank Smartly® Savings, with a $25 opening deposit. There is a $5 monthly fee with multiple options to waive it and, the annual percentage yield (APY) for this particular account can be ultra-competitive if paired with a U.S. Bank checking account.. You might also consider a money market or CD (certificate of deposit).
Regarding ATM use, you won’t be charged any transaction fees at U.S. Bank ATMs or surcharge fees at any MoneyPass ATMs. Also, U.S. Bank’s highly-rated mobile app and online banking services allow customers to easily manage their bank accounts 24/7.
Pros:
- Great interest rates for MMAs and CDs
- Well-rated mobile app
- Variety of personal and business banking services
Cons:
- Moderate Savings Rates
- Numerous fees
2. Wells Fargo 
Wells Fargo Bank, a nationally recognized and long-standing financial institution in the U.S., has a strong presence in Wyoming with over 15 branches across the state. It provides a range of financial products, including checking accounts, savings accounts, personal loans, and mortgages.
- Checking: The Everyday Checking Account is the most popular option among the five checking account options. It requires a minimum opening deposit of $25 and has a $10 monthly maintenance fee. However, you can waive it if you maintain a minimum daily balance of $500 or receive $500 in monthly direct deposits.
- Savings: For savings, Wells Fargo provides two options, with the Way2Save account being the more budget-friendly choice. This account requires a $25 minimum opening deposit and has a $5 monthly fee. The “Save As You Go” feature encourages saving by automatically transferring $1 from your checking account to your savings account when you make a purchase with your debit card.
Wells Fargo also offers a selection of credit cards with cashback rewards and bonuses for new customers. In addition, the bank provides CDs, loans, wealth management services, small business banking, and commercial banking services for Wyoming residents.
The Wells Fargo mobile app is easy to navigate and highly rated across platforms. Account holders can quickly check their balances, pay bills, deposit money, and set up Zelle transfers.
Pros:
- Large network of branches and ATMs
- 24/7 customer service
- Great sign-on bonuses
- Highly-rated mobile app
Cons:
- Interest rates could be higher
- Overdraft fees are high
3. First Bank of Wyoming
The First Bank of Wyoming, a division of Glacier Bank, is a community bank that offers various financial services, including bank accounts, credit cards, debit cards, and loans for individual and business customers in Wyoming. First Bank of Wyoming has over 10 branches, primarily in the state’s western region, as well as online and mobile banking options.
- Checking: Among its four checking account options, the Totally Free Checking has unlimited check writing, no monthly service fee, unlimited check writing, and no minimum balance requirement. It is the only checking option that is non-interest bearing. With every new account opened, First Bank of Wyoming makes a charitable donation to a local community organization.
- Savings: This FDIC-insured bank also offers four options for savings—a standard savings account, CD, money market, and HSA. The savings account requires a $100 minimum balance to avoid the $2 monthly service charge.
When it comes to overdraft protection, customers can link their savings account to their personal checking account, and First Bank of Wyoming will transfer funds to prevent overdraft fees (however, there is a $2 transfer fee).
First Bank of Wyoming is a part of the Allpoint ATM network giving account holders access to over 55,000 fee-free ATMs nationwide.
Pros:
- Free personal and business checking accounts
- Large network of fee-free ATMs
- Charitable donations are made with every new account
Cons:
- Poorly rated mobile app
- $2 transfer fee for overdraft protection
4. Pinnacle Bank
Founded in 1938, Pinnacle Bank offers residents of Wyoming (and eight other states) an array of banking products, including checking, savings, Visa debit cards, credit cards, loans, mortgages, lines of credit, auto loans, investment, CDs, HSAs, and IRAs.
- Checking: Pinnacle Bank offers five checking accounts, each with a Visa debit card with fraud protection, account alerts, online bill pay, and mobile banking. Pinnacle’s popular and convenient Free Checking account is their most basic account with no monthly fees or minimum balance requirements. It does require a $100 opening deposit.
- Savings: For savings, Pinnacle Bank offers three accounts, including its PinnSave Savings Account. You can avoid the monthly fee if you keep your balance above $100—otherwise, it’s a $1 fee. You also need $100 to open the account. However, rates for this account are well below the national average.
You also have the option to open a Visa or Visa Gold credit card with Pinnacle, which comes with chip technology and zero liability fraud protection if your card is compromised. If your credit score is above 700, you can enroll in Uchoose rewards, where you earn points on your purchases and redeem them later for shopping, travel, and more.
Customer service can be reached via phone, email, online chat, and in person at a local branch; however, customer service hours are limited to weekdays. You can access your account anytime via the Pinnacle Bank app, where you can set up Zelle transfers, make mobile deposits, and pay your bills.
Pros:
- Multiple account options
- Excellent ratings in the App Store
- Online chat feature
Cons:
- Low savings APYs
- No customer service on the weekends
5. Bank of Jackson Hole
Bank of Jackson Hole (BoJH), a division of NBH Bank, is a locally owned and operated community bank with ten branches in and around Jackson Hole Valley. Founded in 1982, BoJH offers customized, local, and in-person banking services, as well as the option to bank online or from your mobile device.
BoJH offers three checking accounts with a free Visa debit card. Each also has a monthly maintenance fee; however, it can be easily waived when you maintain a certain daily balance or have direct deposit.
In terms of savings, BoJH offers multiple options, including:
- Personal and high-yield savings
- Personal and high-yield money market accounts
- CD
- HSA
- Educational Savings Account (ESA)
In addition, BoJH also offers business banking, loans, credit cards, and wealth management services.
While you can access your accounts online 24/7, BoJH bank accounts do need to be opened in person at a local branch. To bank online, you will need to enroll from your computers. BoJH’s mobile app is available in the Google Play and App Store; however, its ratings leave much to be desired.
Pros:
- Visa credit card with zero liability fraud protection
- Multiple savings options
- Donates and supports over 100 non-profit organizations in the Jackson area
Cons:
- Accounts must be opened in person
- Rate information is not available on the website
- Poorly rated mobile app
6. ANB Bank
ANB Bank is a regional bank with over ten brick-and-mortar locations in Casper, Cheyenne, Gillette, Laramie, and more, as well as over 20 branches in neighboring Colorado. Wyoming customers can access over 37,000 fee-free MoneyPass ATMs and an impressive range of banking services.
- Checking: ANB Bank has five checking accounts, including a free option, Personal Choice Checking that only requires a $25 minimum opening deposit. Account holders can utilize ANB’s Overdraft Line of Credit for a $20 annual fee (which is waived for the first year). With it, ANB Bank will cover your transactions if your account has insufficient funds.
- Savings: ANB Bank customers have several options for savings, including a personal savings account, a Youth Savings (for ages 15 to 22), and a Spare Change account. With this account, whenever you make a purchase with your debit card, the difference between the purchase amount and the next whole dollar will be transferred into your Spare Change account.
While all savings accounts are interest-bearing, rates are on the low side. You may instead want to consider the Premium Personal Money Market or a CD, both with tiered interest rates ranging between 0.35% and 4.06%
If you have general banking questions, you can ask them through ANB Bank’s live online chat on its website. Otherwise, you can reach customer service six days a week by phone or email. You can access your ANB Bank accounts online or with the mobile app from your smartphone or tablet, and also link your accounts to the Apple, Google, or Samsung digital wallet.
Pros:
- Offers multiple types of accounts with free options
- Huge ATM network with no fees
- Great rates for CDs
Cons:
- Savings APYs could be higher
- Limited customer service available on weekends
Frequently Asked Questions
What is the biggest bank in Wyoming?
In terms of assets, Hilltop Bank, Pinnacle Bank, and Bank of Jackson Hole are the three biggest banks in Wyoming. Location-wise, Wells Fargo, First Interstate Bank, U.S. Bank, and First Bank of Wyoming have the greatest number of physical branches in Wyoming.
Does Chase Bank operate in Wyoming?
Yes, Chase Bank has two branch locations in Cheyenne and Jackson.
What is the oldest bank in Wyoming?
Founded in 1885, the First Northern Bank in Wyoming is the oldest bank in Wyoming. With a strong commitment to its customers, this community bank offers a range of services for business, agriculture, and personal use, including bank accounts, credit cards, and loans.
Does Wells Fargo operate in Wyoming?
Yes, Wells Fargo operates in Wyoming—in fact, it is the second-largest financial institution in the state, with over 15 branches and multiple ATMs.
Who owns First Bank of Wyoming?
First Bank of Wyoming is a division of Glacier Bank, a regional banking institution based in Kalispell, Montana, and part of the Glacier Bancorp, Inc. (GBCI) network.
How to Choose the Best Bank in Wyoming
Whether you’re in Casper, Cheyenne, Jackson, or Gillette, selecting the best bank to support your financial needs will come down to a few key factors.
You’ll want to consider your banking needs and the features that matter most to you. Does a national bank’s convenience and large network appeal to you, or would you prefer a local bank with a personal touch?
You should also look into what each bank offers. Take note of account fees, interest rates, customer service availability, and minimum deposit requirements.
Once you’ve considered these factors and weighed the pros and cons, then you can make the most informed decision about the right Wyoming bank for you.
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