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Checking & Debit Card Accounts

Get Paid to Use Your Debit Card—Anytime, Anywhere

Interest Rewards Checking

Earn 5.00% APY* on balances up to $10,0001

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Cashback Rewards Checking

Earn up to $5 cash back* each month2

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Business Checking

Spend less time on banking and more time growing your business

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Already a Member?

If you’re an existing member and just want to add a checking account, click below and pick the appropriate option based on your current account ownership.

Get Started

Want to Become a Member?

Select the option below to open a new Membership Savings Account as well as a new Rewards Checking Account.

New to C·U·D? Get Started with a Membership Savings Account, then add your choice of checking account.

New Member(s) - Get Started

Accounts with more than two owners require assistance, please contact us directly.

📞 303.234.1700 | 800.279.3288

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No need to wait for your card to arrive in the mail. Once your new debit, credit, or HELOC card is available in Digital Banking, you can add it to your Digital Wallet and start using it right away.

How It Works

  • Your new debit, credit or HELOC card can be added to a Digital Wallet using secure digital issuance technology.
  • Currently, cards can be added to Apple Wallet® and Google Wallet™.
  • Once your card is successfully added, you'll receive confirmation that it's ready to use for purchases.

Important Things to Know

  • New cards may take up to 2 business days to appear in Digital Banking before they can be added to a digital wallet.
  • We recommend setting up transaction alerts to keep track of activity on your new card and receive notifications when it's used.
  • Your physical card will automatically be active when it arrives.

Receiving Your Physical Card

Choose the option that's most convenient for you:

  • Instant Issue in a Branch: Receive your card the same day at a participating branch.
  • Mail Delivery: Have your card mailed to the address on file. Cards typically arrive within 7-10 business days.

Questions? We're happy to help you choose the option that works best for you.

Credit Cards can be mailed or instant issued in our branches.
Mailed MasterCards take approximately 7 to 10 business days from the ordered date. Instant Issued cards are available in our branch lobbies during business hours - Monday through Friday 9:00 am to 4:30 pm.

Debit Cards an be mailed or instant issued in our branches.
Mailed Debit Cards can be mailed out and received within 3-5 business days (depending upon USPS). Instant Issued cards are available in our branch lobbies during business hours - Monday through Friday 9:00 am to 4:30 pm. 

HELOC & Secured MasterCards are mailed and take approximately 7 to 10 business days from the ordered date.

Expedited cards may be available for a fee. 

Yes, if they are a joint owner on your account.

First, within Digital Banking lock your card.  This will make your card unusable. Under Card Management select the card you wish to report and go to Replacement Options to select a reason and follow the prompts.

As an alternative option you may contact us during business hours or call Mastercard® direct with the numbers below:

Card Department

  • Card Services during regular business hours 303.234.1700

Lost or Stolen Cards After Hours

  • Credit Card – 866.820.5890
  • Debit Card – 888.918.7746

You must first contact the merchant and attempt resolution, prior to contacting MasterCard or Credit Union of Denver. Disputes must be submitted within 60 days of the statement date when the charges occurred. 

For further assistance with either debit or credit card disputes, we can assist in-person at our branch or over the phone by calling our Call Center at 303.234.1700. 

Outside of business hours to recieve assistance on Credit Card transactions only call directly to MasterCard at 866.820.5890. 

You can view your transactions on any of your card accounts through Digital Banking or by reviewing your statements. 

  1. Contact us by using the message center in your digital banking login. You may also choose our secure email portal or call us at 303.234.1700 | 800.279.3288 during normal business hours.
  2. Outside normal business hours: please contact MasterCard Customer Service at 800.654.7728. (Note: MasterCard Customer Service can only reactivate your card for one day of travel at a time, so you may need to call back each day if you are gone over a weekend or holiday)
  3. You may set and update travel notes on your card any time through our digital banking app by selecting "Cards" from the menu.

Disclosures

* Monthly Account Requirements: At least 15 posted debit card transactions, Direct Deposit or Automatic Credit electronically posted to the account and be enrolled in eStatements to receive higher interest rate or cashback & ATM fee refunds. If the Account Requirements are met, the rewards noted will be applied. 

1 APY = Annual Percentage Yield. Rates are variable and subject to change at any time. Rates are current as of 09/01/2026. Fees incurred on the account may reduce earnings.

2 Cash back is up to 5% of net debit card purchases with a maximum reward of $5 per calendar month. Fees incurred on the account may reduce earnings.

A Membership Savings Account with a $5.00 deposit is required to establish membership before opening a checking account.

Applicants must clear a check reporting agency. The Credit Union reserves the right to obtain a Credit Bureau report on each applicant.

For complete Checking Account disclosures, please see our Membership Booklet and Truth in Savings information. Copies are available at any branch or by calling 303.234.1700.

Federally Insured by NCUA.