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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.
FREE SMART Checking
- NO Monthly Fee
- NO Minimum 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 28,000 FREE ATMs nationwide
- Face-to-face account access nationwide through over 4,500 CU Service Centers
*Bill pay is free when you are enrolled in eStatements. Otherwise, a monthly fee will apply. Please go to Fee Schedule to check the fee.
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 28,000 FREE ATMs nationwide
- Face-to-face account access nationwide through over 4,500 CU Service Centers
*Bill pay is free when you are enrolled in eStatements. Otherwise, a monthly fee will apply. Please go to Fee Schedule to check the fee. ** 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
FREE SmarterU Student Checking
- NO Monthly Fee
- NO Minimum Balance
- FREE Debit Card
- FREE Account Opening Bonus
- 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 28,000 FREE ATMs nationwide
- Face-to-face account access nationwide through over 4,500 CU Service Centers
*Bill pay is free when you are enrolled in eStatements. Otherwise, a monthly fee will apply. Please go to Fee Schedule to check the fee.
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
Overdraft Sources
- Overdraft Protection1 - Avoid costly NSF fees and protect your credit with our Overdraft Protection that will automatically transfer funds from your savings account, money market or line of credit.
- Overdraft Line of Credit1 - Our Overdraft Line of Credit loan is there when you need it (at only pennies a day) and costs you nothing when you don't. With this service you have the freedom of knowing your checks will be covered and eliminates costly NSF fees.
- Overdraft Privilege - As a courtesy to qualified members, we may cover your overdrawn check so you won't incur the embarrassment insufficient funds can cause, or the pricey merchant fees. Plus, it will help alleviate the possible damage to your credit.2
1 Application and approval required.
2 NSF fees still apply. You'll have 30 days to bring your account positive. We reserve the right to deny overdraft privilege. Checking account must be opened 90 days to qualify, member must be at least 18 years of age or older, account in good standing and member has not opted out of benefit.
