Credit Union of Dever - Smart. Like You.

Checking for Your Needs and Lifestyle!

Credit Union of Denver has the checking account you need to manage your personal finances through every stage of your life, along with the money and time-saving benefits you are looking for.

 

Compare and See For Yourself Why You Should Switch to Credit Union of Denver FREE SMART Checking!




    PLUS:

  • NO Minimum Balance
  • FREE Debit Card 
  • FREE Mobile Banking with Text Alerts
  • FREE Online Banking (cudonline)
  • FREE Call24
  • FREE eStatements & Bill Pay
  • One (1) NSF Fee Refund per year
  • FREE Direct Deposit
  • Unlimited in-branch teller transactions at over 5,000 Shared Branches across the U.S. 
  • Access to over 30,000 FREE ATMs nationwide

Open a Smart Checking Account Today! 

  See Fee Schedule for more information

FREE Smart Checking with Interest

  • Minimum balance $1,000*
  • Interest paid on daily balance*
  • FREE Debit Card
  • FREE Online Banking (cudonline)
  • FREE Call24
  • FREE eStatements
  • FREE Bill Pay
  • One (1) NSF Fee Refund per year
  • FREE Direct Deposit
  • Unlimited in-branch teller transactions
  • Access to over 30,000 FREE ATMs nationwide
  • Face-to-face account access nationwide through over 5,000 CU Shared Branch Centers

*If the daily balance should drop below $1,000 at any time during the month, the account will be charged a fee (as disclosed on the Fee Schedule) for that month, and the account will not accrue interest for those days where the balance is below $1,000. Interest will be calculated daily, compounded and credited monthly. Click here for Rates. Interest is paid on the entire balance provided the minimum amount of $1,000 is maintained on the account. Accrual of interest will begin on cash and non-cash deposits on the business day you deposit them to your account. Accrued interest will be credited to the account upon account closure

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     FREE SmarterU Student Checking

  • NO Monthly Fee
  • NO Minimum Balance
  • FREE Debit Card 
  • One (1) NSF Fee Refund per year
  • FREE Online Banking
  • FREE Call24
  • FREE eStatements with Bill Pay
  • FREE Direct Deposit
  • Unlimited in-branch teller transactions
  • Access to over 30,000 FREE ATMs nationwide
  • Face-to-face account access nationwide through over 5,000 CU Shared Branch Centers



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     Debit MasterCard®

Our convenient Debit MasterCard® is the quick, easy way to pay for your purchases. The purchase amount is deducted automatically from the available funds in your checking account. Use it anywhere MasterCard® is accepted or at over one million ATMs worldwide. And we offer you FREE MasterCard SecureCode - protection against unauthorized users with online shopping. Register your card today!  Please check our membership booklet for the standard limitations on ATMs and point of sale transactions, or you can request special personal limits for both of these by calling 303.239.1150.
 
To report a Lost or Stolen Debit card, please call: 1.888.918.7746

 

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     Overdraft Sources

  • Overdraft Protection1 - You can set up to have money automatically transferred from your savings or money market account to your checking account when an overdraft occurs. (There is no fee for this option but you are limited to a total of 6 automated transfers per month.)
     
  • Overdraft Line of Credit1 - You may apply for an Overdraft Line of Credit which will transfer funds from that loan to your checking account when an overdraft occurs. (You are charged interest on the balance of the loan. No charge will be assessed if you don’t use the service.)
     
  • Overdraft Privilege - If you qualify* for Overdraft Privilege, you are automatically enrolled in this service. Any owner may OPT-OUT at any time by calling us at 303.239.1150. Overdraft Privilege is another option that can be used in addition to the two choices above. This courtesy service is offered for checks, ACH transactions, Automatic Bill Payments (not those initiated through C•U•D’s Bill Pay service) and reoccurring debit card transactions. At the credit union’s discretion, this service will pay charges to your account up to $500 more than the available account balance. These items WILL NOT be returned to the original payee but will be processed and your account will be charged a $30 Non-Sufficient Funds (NSF) fee per transaction. Without this service, you would pay the same $30 NSF fee and you could be subject to additional fees from the merchant for the bounced check or returned items. Items will be paid in the order they are received by the credit union, not when the transaction occurred, which may create more than one NSF fee per day. There is no limit on the total fees we can charge for overdrawing your account. Negative account balances must be brought positive within 30 days.
     
  • Debit Card Advantage - If you qualify* for Debit Card Advantage, you must OPT-IN for this service and any owner on the account may do so. Any owner may OPT-OUT at any time. With Debit Card Advantage, we may authorize and pay everyday debit card transactions and allow debit card ATM withdrawals even if you do not have the funds in your account. This service authorizes charges to your account up to $500 more than the available account balance. Without this service, you would be unable to utilize your debit card when there are no funds in your account. If no funds are available in your account, you will be charged a $30 fee for each transaction of more than $5 posting to your account. No fee will be charged for transactions of $5 or less. There is no limit on the total fees we can charge for overdrawing your account. Negative account balances must be brought positive within 30 days.


To OPT-IN or OPT-OUT to Debit Card Advantage, Click here

* To qualify for Overdraft Privilege and Debit Card Advantage, the primary member must be at least 18 years of age, the checking account must have been opened for over 90 days, the account must not have a loan over 15 days past due, your account must be in good standing and you must not have caused a loss to the credit union. The combined benefit of Overdraft Privilege and Debit Card Advantage is $500.  If you opt-out for Overdraft Privilege, you will not be able to ope-in for Debit Card Advantage.

Business Accounts, Estate Accounts, Living Trust Accounts and Representative Payee Accounts do not qualify. The services do not apply to Teller transactions or transactions initiated through C•U•D’s Bill Pay Services. We may pay or authorize items at our discretion which means that we do not guarantee that we will always pay and authorize any type of transaction.

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