Wyoming has positioned itself as the most crypto-friendly state in the US — passing landmark laws creating a new 'Special Purpose Depository Institution' (SPDI) charter specifically for digital asset banks — attracting blockchain companies and crypto-native financial institutions.
With no state income tax and some of the lowest personal property taxes in the country, Wyoming attracts wealthy individuals and trusts. The Wyoming banking market is small but historically resilient, dominated by hometown community banks that serve the ranching, mining, and tourism industries. Bank of Jackson Hole serves one of the wealthiest resort communities in America.
National Banks in Wyoming
These banks use Wyoming-specific ACH routing numbers for accounts opened in Wyoming.
| Bank | ACH Routing # | Wire Routing # | Notes | Verify |
|---|---|---|---|---|
| Capital One | 051405515 | 056073502 | Capital One uses a single routing number for all states. | Verify |
| Ally Bank | 124003116 | 124003116 | Ally is online-only and uses the same routing number for all states. | Verify |
| Charles Schwab Bank | 121202211 | 121202211 | Schwab Bank uses a single routing number nationwide. | Verify |
ACH vs. Wire: Which Number Do You Need?
| Transfer Type | Which Routing # | Speed | Cost |
|---|---|---|---|
| Direct Deposit | ACH Routing # | 1–3 days | Free |
| Wire Transfer | Wire Routing # | Same day | $15–$50 |
| Bill Pay | ACH Routing # | 1–5 days | Free |
Regional Banks in Wyoming
Headquartered or major operations in Wyoming. Typically one routing number statewide.
Bank of Jackson Hole
SiteJackson, WY community bank serving the Jackson Hole luxury resort corridor.
Glacier Bank (WY)
SiteMontana-HQ regional bank with Wyoming community bank subsidiaries.
Pinnacle Bank (WY)
SiteTorrington, WY agricultural community bank in eastern Wyoming.
Wyoming Credit Unions
Wyoming was the first US state to pass legislation specifically enabling cryptocurrency companies to hold bank charters — Kraken Financial received the first SPDI charter in 2020.
WyHy Federal Credit Union
SiteCheyenne CU open to all Wyoming residents statewide.
NEFCU (NE WY Federal CU)
SiteGillette, WY CU serving northeastern Wyoming coal country.
Gas & Electric FCU
SiteCheyenne CU for Wyoming utility and energy industry workers.
FAQ — Wyoming Routing Numbers
Chase uses 102001017 for ACH transactions on Wyoming accounts — the same number used in Colorado and New Mexico. This Mountain West routing number reflects Chase's Bank One regional footprint. Wire transfers use Chase's national number: 021000021.
Wyoming enacted the Special Purpose Depository Institution (SPDI) Act in 2019, creating a new bank charter type for companies holding digital assets. Unlike traditional banks, SPDIs don't make loans — they hold customer cryptocurrency 100% in reserve. Kraken Financial was the first company to receive an SPDI charter in Wyoming. This makes Wyoming unique for crypto companies seeking bank-level regulatory status.
Bank of Jackson Hole (headquartered in Jackson, WY) primarily serves the ultra-high-net-worth residents and real estate clients in the Jackson Hole area — one of the most expensive real estate markets in the US. It's a small community bank that focuses on personalized service for wealthy ranchers, ski industry clients, and resort property owners. Their routing number is 307087383.
Yes — WyHy Federal Credit Union is open to all Wyoming residents statewide. Based in Cheyenne, WyHy offers competitive rates on auto loans and mortgages. Their routing number is 307087196.
A routing number is a 9-digit ABA code identifying a financial institution. National banks maintain state-specific routing numbers inherited from regional bank acquisitions to avoid disrupting millions of existing direct deposit setups.