Big Rewards. Easy to earn. No stress.
With our Free Interest Rewards Checking Account, your everyday spending can work harder for you.
All you have to do? Meet a few simple monthly requirements and you’re on your way.
To earn your rewards each month, just:
Receive a Direct Deposit, Mobile Deposit, or Electronic Transfer from another financial institution of at least $1
Sign up for free within Digital Banking
Use your Credit Union of Denver Debit Mastercard® at least 15 times per month (online or in‑store)
Get Started
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.
There’s no minimum balance, no monthly account fees, and no penalties if you miss the requirements.
Didn’t hit the requirements this month? No worries. You’ll have the next month to jump right back in and start earning rewards again³.
You can track your progress anytime in digital banking or check your monthly eStatement to see if you’ve met the requirements.
Easy | Simple | Transparent
Earn cashback each month for using your debit card
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Spend less time on banking and more time growing your business
1 Monthly Account Requirements: At least 15 debit card transactions, a Direct Deposit or Automatic Credit electronically posted to the account, and enrollment in eStatements are required to receive the higher interest rate, cashback, and ATM fee refunds. If requirements are met, rewards will be applied.
2 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.
3 Timing of debit card transactions posting to your account is not within the control of the Credit Union.
Foreign Transaction Fee applies to all debit and credit card transactions made in foreign countries, in foreign currencies, or initiated with parties located outside the U.S. A 1% fee is calculated on the final settlement amount in U.S. dollars.
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.