Best Banks in Wyoming for 2025
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
Wyoming is a state sprinkled with small towns and cities and vast, wide-open spaces in between. It only has two large urban areas — Cheyenne and Casper — which are relatively small compared to those of other states. Additionally, the state has fewer than 30 different banks operating within its borders. Find out about the best Wyoming banks, including top options for checking, savings and certificates of deposit (CDs).
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TOP WYOMING BANKS AT A GLANCE
Bank/Institution
Savings APY
Key Highlights
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Detailed Reviews of the Best Banks in Wyoming
Here are GOBankingRates’ top picks for the best banks in Wyoming for 2025.
Gold Winner: Pinnacle Bank
Pinnacle Bank, a community bank with roots in farming and ranching, has been around since 1938 and boasts $52.6 billion in assets. It’s committed to supporting local schools, small businesses and agriculture while offering a host of traditional banking services.
Best For
Digital Banking
Low Monthly Fees
Investment Services
Loan Options
Credit Cards
Tiered-Rate Checking That Rewards Higher Balances
Pinnacle Bank is a full-service bank that stands out for its interest-bearing checking account with rates up to , depending on the balance tier. It also offers a regular savings account with a yield that’s much higher than the national average.
Total Branch Locations
Over 60
Mobile App Rating
4.8 on the Apple App Store and 4.2 on Google Play
Other Products Offered
Checking, savings, CDs, money market accounts, HSAs, IRAs, home loans, auto loans, personal loans, credit cards
Pros
- Interest-bearing checking
- Fee-free checking options
- Fee-free kids’ savings that rewards savings habits
- Extra account perks for seniors and students
Cons
- $1,000 minimum money market balance to avoid fees
- Money market interest rate for lowest balance tier is below national average
Why We Like Pinnacle Bank
Pinnacle Bank offers a variety of checking and savings accounts, including an interest-bearing checking account that pays tiered rates. Besides calling in, customers have the option of reaching a customer service representative through online chat. The bank also partners with Zelle, giving account holders a fast and convenient way to send and receive money.
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Silver Winner: BMO Bank
BMO has a long-standing history of over 200 years and is the eighth-largest bank in the U.S. by assets. It has 26 branches located in Wyoming, each offering a full suite of products and services. Additionally, the bank is a member of the AllPoint network, which means account holders will have access to over 40,000 fee-fee ATMs.
Best For
Premium Checking Accounts
Mobile Banking
Account Perks
Low Monthly Fees
Loan Options
No-Fee Checking and Saving
BMO gives you several ways to spend and save, including accounts with no maintenance fees, checking with $0 overdrafts and a savings account that earns up to $60 in bonuses when you save $200 per month in the first year. Standard CD rates are low, but CD specials come with higher yields.
Total Branch Locations
Over 1,000
Mobile App Rating
4.8 on the Apple App Store and 4.6 on Google Play
Other Products Offered
Checking, savings, CDs, loans, investing
Pros
- Low- and no-fee accounts
- Relationship rates for qualifying accounts
- Large network of fee-free ATMs
- Strong customer support
Cons
- Low APYs on savings accounts and on money market balances under $250,000
- No interest on checking accounts
- High-yielding BMO Alto online accounts not available or supported through BMO
Why We Like BMO Bank
BMO has a smaller selection of accounts compared to the other best banks, but they cover all the bases, with low- and no-fee accounts and ways to maximize your savings. BMO also has great customer support options, including digital support and extensive availability by phone.
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Bronze Winner: Wells Fargo
Wells Fargo, established in 1852, has over 15 branch locations in Wyoming. It’s the fourth-largest bank in the U.S. with $1.9 trillion in assets. It’s also popular, with one-third of American households choosing it as their bank. Wells Fargo is partnered with the Plus network for more convenient ATM transactions.
Best For
Credit Cards
National Banks
Home Loans
Auto Loans
Investments
Everyday Banking and a Variety of Services
Wells Fargo has several products for everyday banking as well as options for mortgages, auto loans and credit cards. The app is user-friendly and the wide network of ATMs makes it easy to withdraw cash without paying a fee.
Total Branch Locations
Over 4,300 in the U.S.
Mobile App Rating
4.9 on the Apple App Store and 4.8 on Google Play
Other Products Offered
Credit cards, home loans, auto loans, investments
Pros
- Extensive branch and ATM network
- Diverse product offerings
- User-friendly digital interface
Cons
- Minimum deposit requirements and monthly maintenance fees
- High overdraft fees
- Low interest rate on savings accounts
Why We Like Wells Fargo
Wells Fargo offers one-stop everyday banking and financial planning services. There are several products for consumers and accessibility to branches and ATMs.
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Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Research Methodology
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Sept. 4, 2025.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
How To Choose the Right Bank in Wyoming
When choosing the right bank in Wyoming, location should be considered. Due to the rural nature of Wyoming, visiting a bank branch can mean quite a drive. And while most, if not all, banking tasks can be done by phone or digitally, some people prefer to visit a branch at least occasionally.
Other factors to weigh include fees, ATM access and whether you prefer a community-focused bank with great rates but fewer services, or a national bank with more services but potentially lower rates.
Final Take
Selecting a bank that meets your wants and needs may require sitting down and making a list of non-negotiables, such as high CD yields, a nearby branch or a seamless mobile app, to pinpoint the options that will work best for you. As you seek the perfect match, consider these top banks in Wyoming.
FAQs About Banking in Wyoming
Here's more information to help you find the best Wyoming bank for your needs.- What is the best bank for high-yield savings in Wyoming?
- The best bank for high-yield savings in Wyoming will likely be found at an online-only institution. Because online-only banks don’t have to maintain a physical presence, their overhead costs are much lower, which can translate to higher rates.
- Which banks have the most ATMs in Wyoming?
- National banks typically have a much larger ATM network than community banks. However, some banks also may partner with an ATM network like AllPoint or MoneyPass, which will result in fee-free ATM access when traveling outside of one’s local area.
- Are there any banks in Wyoming with no monthly fees?
- Most banks have some monthly fees. However, it’s often easy to get fees waived by meeting simple account requirements, such as maintaining a balance threshold, receiving a monthly direct deposit or using your debit card a certain number of times.
More Resources for Banking
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Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Cynthia Measom contributed to the reporting for this article.
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