A water cooler with a rapidly detachable exterior panel. A water cooler with a detachable panel may have a wrapper with at least one detachable panel, and the wrapper may have multiple apertures to receive fasteners that may receive corresponding rear surface projections located on the rear surface of the panel. A water cooler with a detachable exterior panel may have a wrapper with at least one detachable panel, and one or more tensioning devices to cause the exterior panel to be placed in frictional and removable engagement against the wrapper.