The access of the individuals to financial services is a key factor of the growth and economic development. The World Bank estimates in 2014, at only 12,2 % the proportion of adults who has an account in a formal financial institution. That means the majority of the people is excluded of the access of financial services. While analyzing the situation of the supply of financial services in Cameroon, this article examines the explanatory factors of the access of individuals in the area of Adamawa Region. An econometric analysis based on binary logit model shows that the access of individuals to the formal financial services is positively and significantly influenced by the level of income, the salary status and the age. However, the level of education and matrimonial status don’t influence significantly the access of the individuals to the formal financial services in this part of the country. Thus, financial institutions could segment the market to propose to the individuals, financial product adapted to their level of income. In the same way, the authorities could initiate actions supporting the possession of account in formal financial institution.