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Routing # 307075259


Mobile Services

No. You can register from either a computer or your mobile device (consumer and business) as long as you’re using a browser and visit

Internet access and a mobile device such as a tablet, iPad, or mobile phone compatible with either Google Play or Apple App Store.

Download on the App Store - Mobile Banking App Download on Google Play - Mobile Banking App

After you download our C∙U∙D App from Apple - App Store or Android - Google Play:

For Devices using Apple IOS or Android

  1. Open the application.
  2. At the login screen, enter your User ID and Password.
  3. After entering your User ID and Password, an email will automatically be sent to your primary email address containing a security code. Check your email for the code and enter the code on the “Security Code” screen. Enter.

Mobile Device Compatibility

What devices and SmartwebApps™ work with Mobile Banking?

  • iOS devices (iOS 12+) - iPhone, iPad, iPod and iWatch are supported. Any iPhone that is 6s or newer. 
  • Android Smartphones (OS 9+).

**Please note: If you don’t have your current email address on file with Credit Union of Denver, please update it through cudonline prior to setting up mobile banking.

To avoid errors for new users, or if you are having issues using your mobile app, make sure you are using the most updated version of the application. Please visit your app store for more information and to update.

Online/Mobile Banking Usernames & Passwords

Yes. It needs to be between 8-25 characters containing letters, numbers and special characters (excluding ~ and _ )

You click the “Forgot Password” option to reset your password.

You may use your account number to log in. Then click on “User Options” to change or view your username.

Yes. After 3 invalid login attempts your account will be locked. You will need to call 303.239.1150 | 800.279.3288 to get unlocked.

For your security, your account is locked if you have incorrectly entered a password too many times in a row.

To reset your password using your mobile app

  1. Click on the forgotten password at the login screen.
  2. Enter the required fields and click Reset Password, this will send a temporary password, sent to the email address on file.
  3. Use the temporary password to login into the mobile app,

The app will prompt you to change the temporary password to a permanent password of your choice.

To reset your password over the phone

303.239.1150 | 800.279.3288

To reset your password via our secure email portal

Email us through the secure portal.


  • Create a strong password using pass phrases.
  • Change your password often.
  • Use different passwords for different sites.
  • Don’t share or leave your login credentials accessible to others.
  • Don’t click on unfamiliar links or websites.
  • Don’t reply to unfamiliar emails requesting information.
  • Don’t open email attachments unless you are expecting them.
  • Don’t give out previous passwords via email, phone, text or mail.
  • Treat your Smartphone like a computer and protect it with anti-virus software.
  • Use the Keypad lock or phone lock function of your mobile device when not in use.
  • Delete text messages, emails, and other sensitive information before loaning out or selling your mobile device.
  • Avoid storing passwords or other sensitive information on your mobile device where it could be discovered if your device is lost or stolen.
  • Never disclose via text message, phone call or email your personal or financial information
    • Account numbers
    • Passwords
    • Social Security Number
    • Date of Birth
  • Be cautious when using public hotspots.
  • Consider your WiFi and Bluetooth connection settings (even at a trusted retailer), fraudsters can spoof the name of reputable hotspots.
  • Download the most recent versions of apps and keep them updated.
  • Sign off when you are finished using the Credit Union of Denver app rather than just closing it.

Mobile Banking Deposit Capture (Mobile Check Deposit)

No, funds are not available immediately. Once the deposit has been completed using the mobile application, that information is sent to the credit union electronically. The electronic deposits will be posted by Credit Union of Denver on the next business day at 9:00am or 3:00pm. Once the deposit has been posted to your account the funds are still subject to Credit Union of Denver’s and Regulation CC check holds. The maximum daily deposit limit is $2,500.

Yes, please keep the check for 90 days.

The deposit will not appear in your online banking transaction history until it has been posted. To check the status of the mobile deposit, go into your mobile application, then click on mobile deposit and finally click on mobile deposit history. Here you can see if your deposit is pending, accepted, or rejected.

Yes, unfortunately there are some accounts that are restricted from mobile deposit. If you have received this error message your account has been restricted. Restricted accounts include:

  • Accounts less than 30 days old
  • Business Accounts
  • TTM Accounts
  • Accounts deemed ineligible by C·U·D

If you do not fall under any of the categories listed above and you are still getting the same error or any other error, please contact us at 303.239.1150 | 800.279.3288

Traveling & International Access

Yes. You can send a secured message to Credit Union of Denver using “Send Secure Message” feature from your online banking by clicking on “Contact Us” at the top of the page.

Yes. As long as you have your credentials, you can access your accounts online 24/7 from anywhere, anytime.

Yes. The mobile app is available for download in most countries.

No. You only need an active membership account.

Yes. You can view the front and back images of your cleared checks through online banking.

No. Checks deposited through Mobile Deposit, a branch, or ATM are not viewable via online/mobile banking. However, prior to the deposit, you can take a photo of your check(s) and attach an image to your transaction(s).

Apple Pay

Apple Pay is a contactless payment technology for your iPhone and Apple Watch. It pulls your credit cards, debit cards, and other sensitive-payment data from the wallet app, enabling you to use an iPhone 6 and above or Apple Watch as a payment option at store checkouts. 

Here’s what type of Smartphone you need to use Apple Pay:

  • iPhone 6 or above (Apple Pay in stores and within apps)
  • iOS 8.1 or later
  • United States as your selected region
  • A passcode on your device

Add your Credit Union of Denver cards to Apple Pay through the wallet app on your iPhone 6 and above, or Apple Watch.

Step by Step Instructions:


Option 1: Manual

Step 1: Set up your fingerprint or face recognition
(Fingerprint set up is in SettingsFace, or Touch ID & Passcode, select Add a Fingerprint, follow instructions).

Step 2. Open Wallet and Apple Pay

Step 3. Select the plus button

Step 4. Select add another card

Step 5. Manually enter your information

Step 6. Agree two times

You’re ready to go!

Option 2: Picture. Take a picture of your card (you must have a card that has raised numbers. C∙U∙D instant issue debit cards will not work with the camera option).

Step 1: Set up your fingerprint

(Fingerprint set up is in SettingsFace or Touch ID & Passcode, select Add a Fingerprint, follow instructions).

Step 2. Open Wallet

Step 3. Select the plus button Step 4. Select add another card Step 5. Push camera button Step 6. Line up with square

Step 7. Enter the security code

Step 8. Agree two times

You’re ready to go!

Learn more about how to set up and use Apple Pay, go to 

Then, pay for purchases by holding your iPhone 6 and above or Apple Watch near a contactless reader. No need to open an app or even wake your phone.

C∙U∙D is ready to help you with issues when adding Credit or Debit Cards to your iPhone 6 and above and iPhone 6 Plus. You can contact C∙U∙D or AppleCare, who will help you resolve your issue. Before you call, be prepared to answer a few questions. 

  1. The dollar amount of your last swiped payment made with your card.
  2. The vendor of your last swiped payment made with your card.
  3. Date of your last swiped payment made with your card.

Questions are subject to change so be prepared to answer any questions regarding your cards and account.

Apple Pay is more secure than traditional use of a credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID Face ID, or your passcode. Your Apple product is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.

With Apple Pay, you authorize each purchase with Touch ID, Face ID, or your passcode. These features help prevent other people from using Apple Pay on your iPhone. You can call C∙U∙D to suspend or remove your cards from Apple Pay. You can also go to or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network.

Yes.  When you pay using Apple Pay, you’ll continue to get the rewards, benefits, and security that your C∙U∙D Credit or Debit Cards provide.

When you suspend or remove your cards in Wallet, your device-specific Device Account Number is suspended or removed. You can continue to use your plastic C∙U∙D Credit or Debit Cards.


Call-24 is our 24/7 automated telephone banking where you can hear when deposits or withdrawals were made, transaction history, make a loan payment and more. To use this service call 303.231.9014 | 800.951.9014 Follow the prompts to learn more about your account status. 

You can sign up for Call-24 by visiting a Credit Union of Denver Branch or phoning our Call Center at 303.239.1150 | 800.279.3288

f you have forgotten your Call-24 PIN, please contact the Credit Union.
If you would like to change your access code (Call-24 PIN), please call 303.231.9014 | 800.951.9014, carefully listen to the prompts for guidance. Use the reference guide for faster access.

All transactions made during business hours take effect immediately. Transactions made after business hours, on a weekend, or on a holiday will be posted on the next business day with an effective date of the actual transaction date.

Online Banking

  • Internet access and a computer or mobile device with a web browser such as Apple’s Safari, Google Chrome, FireFox, or Microsoft Internet Explorer
  • Member info:
    • Your Account/Member Number
    • Call-24 Pin (call 303-239-1150 if you don’t have a pin)
    • Your birth date and the last four digits of your social security number

- Business Members may need a TIN, zip code and will use 1/11/2011 as date of birth

You must have primary account holder’s information.

  • Go to our home page.
  • Click the “FIRST TIME?” button at top right in the log in box.
  • Put in your Account/Member number and your Call-24 pin
  • Put in the last 4 digits of your social security or TIN number along with the zip code and date of birth.
  • You will put in your Call-24 as your old password and create a new password
  • Your password needs to be 8-25 characters with letters, numbers, and special characters
  • Create your own username
  • You’ll need to Accept the General Terms of our Online & Mobile Services Agreement.
  • Select your security questions
  • You’re good to go!

Online banking registration must be completed prior to accessing Mobile App.

Use your account number as your User ID. You may personalize your User ID within cudonline by clicking on the “User Options” tab and then “Change User ID”.

Yes. It needs to be between 5-25 characters and may include numbers.

You click the “Forgot Password” option to reset your password.

You may use your account number to log in. Then click on “User Options” to change or view your username.

Yes. After 3 invalid login attempts your account will be locked. You will need to call 303.239.1150 | 800.279.3288 to get unlocked.

Use this password reset tool, or contact us by using this secure email link, or call us at 303.239.1150 | 800.279.3288.

Bill Pay

This is due to our new Bill Pay Disclosures, in order to continue using our Bill Pay services we ask you to please read and accept our new disclosures. To do so, all you have to do is go to our full version site, log in and click on bill pay. Once this is done you can go back to your Mobile App and use Bill Pay as usual.

Side Note: You don’t necessarily have to go to an actual computer to accept the new disclosures, you can easily do it from your phone or tablet using any browser app like “Safari”, “Internet”, or “Chrome”.

It is important to be using the most up to date browser when accessing Bill Pay. The message you are receiving is due to your browser’s settings blocking third party cookies. Bill pay requires these to be enabled. You will find instructions on enabling third party cookies for the most recent versions of some of the most popular browsers. If you are on an older version, or if you do not see your browser on here, you may reach our e-Commerce department for assistance at 303-963-1333.

Internet Explorer:

  1. Click on Control Panel.
  2. Choose Internet Options.
  3. On the General tab, click the Delete button under the Browsing History to remove cookies; Click Delete.
  4. Click on the Advance tab.
  5. Under the Browsing title, click on the box next to Enable third-party browser extensions.
  6. Click Ok.

Safari (on MAC):

  1. Open Safari
  2. Click on “Safari” on the top left of the screen.
  3. From the Safari drop down list select “Preferences”.
  4. Click the Privacy icon
  5. Uncheck the option “Prevent Cross-Site Tracking”
  6. Close the preferences window.
  7. Load Bill Pay


  1. Click on Chrome’s menu (3 dots on upper right corner)
  2. Click on SETTINGS
  3. Scroll to the bottom of the page and click ADVANCED to open up further options
  4. Scroll down to the PRIVACY AND SECURITY section, and click CONTENT SETTINGS
  5. Click on COOKIES
  6. The third option down is BLOCK THIRD-PARTY COOKIES. If the switch option is blue (On), click it to turn it gray (Off)
  7. Access Bill Pay again

No, Credit Union of Denver cannot process any bill payment outside of the US.

Yes, simply set the person up as a Payee and enter their account number and routing number in bill pay.

No, only payments going to payees who accept electronic payments go electronically. If the payee does not accept electronic payments, the payment will be sent as a physical check.

Mozilla is not allowing the page to redirect to Bill Pay due to the Accessibility settings.

This can be fixed by clicking on the menu (3 bars) on the top right, selecting Options/Preferences ->on the left side, select Advanced-> Under Accessibility, uncheck ‘Warn me when web sites try to redirect or reload the page’

If you do  not want to uncheck the field, the following option will also work, but will have to be done every time you access Bill Pay.

Click on Bill Pay tab. Right Click on the white screen, select ‘This Frame’->select reload frame. A banner will appear asking you to allow the page to redirect. Click ‘Allow”.

The cudonline platform will step you through setting up your Bill Pay, however, if you would like to see our step by step process, we have made an easy tutorial for your viewing pleasure.

Browser Support
Operating System Microsoft Internet Explorer® Microsoft Edge® Apple Inc. Safari® Mozilla Firefox® Google Chrome®
Windows® 7 11   N/A Latest two versions Latest two versions
Windows® 8.1 11   N/A Latest two versions Latest two versions
Windows® 10 11 Latest two versions N/A Latest two versions Latest two versions
macOS 10.13 (High Sierra™) N/A   11.1 Latest two versions Latest two versions
macOS 10.14 (Mojave OS™) N/A   12.0.1 Latest two versions Latest two versions
iOS 12.1 N/A   Mobile Safari    
  • Other browsers and operating systems may be used; however, they are not supported by FIS and some features may not function properly.
  • To ensure proper site functionality,  cookies and JavaScript must be enabled.
  • For maximum security, always use the latest version of a browser. Beta versions of browsers and operating systems are not recommended or supported.
  • Compatibility View for Microsoft Internet Explorer® is not supported.
  • If a browser or operating system is no longer supported by the vendor, it is not supported by FIS.


When experiencing an error message, try the following steps before contacting us:
1.    Clear the cache, reload, or refresh.
2.    Close the browser.
3.    Retry.
After trying this and you still continue to receive the error message, contact us by using this secure email portal, or call us at 303.239.1150 | 800.279.3288.

Important: When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, etc.).

To show us the exact error message that you are receiving, display the error message on your screen and take a screenshot on your device.

You can change your address by logging into your account and clicking on user options and then click change address. Or you may complete and sign this form.  Once the form is completed you can

  • Fax it to 303.239.1108
  • Mail it to Credit Union of Denver, P.O. Box 261420, Lakewood, CO 80226
  • Scan and send through our secure email portal.
  • Drop it off at one of our branches.


Once you have logged into your account online, click on “Accounts” then select transfer.

Yes. However, a “Cross Account Transfer” form needs to be filled out to do it online, otherwise you can call or visit our branches.

There are no limits in place for Cross Account, Account to Loan transfers or transfers to internal accounts. Open end loan advances will depend on the available balance.

External Transfers

Yes, external transfers may be scheduled through that institution you wish to transfer from.

The only way to export data from your C·U·D account is to use the export feature within cudonline.

  1. To export your transactions, go to Accounts, then click on Export.
  2. Choose the account you would like to export history.
  3. Select your Export format and click export.

No. You can use Bill Pay to pay them electronically using an account and routing number or send a check.

Up to 1 year of transactions may be viewed. If you have eStatements, you may be able to view all your previous transactions contained within.

  1. First make sure to login to your MyMasterCard Account.
  2. Click on “Statements & Activity” – view transactions.
  3. You will find a drop-down menu that says, “I want to…” and select your export preference.

Quicken and QuickBooks only. Checking, Savings, Credit Cards and Lines of Credit accounts are eligible for export either in a QFX (Quicken), QBO (QuickBooks), or CSV file.

You can set it up through Bill Pay, which is free with a checking account. Starting in July, Credit Union of Denver members will be able to enroll in Zelle®, a fast, safe and easy way to send money in minutes to friends, family and others you trust, using only their U.S. mobile number or email address. Use Zelle in your Credit Union of Denver app to send money directly from your bank account to another. With Zelle, you can also receive money directly into your bank account within minutes.

Credit Score & More

Yes. You can access your TransUnion Vantage Score from the “Credit Score & More” option in online or mobile banking.

Credit Score & More is a comprehensive credit score program offered by Credit Union of Denver to help you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score. Credit Score also monitors your credit report daily and can communicate to you if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made.

No. Credit Score & More is a free benefit and no credit card information is required to register.

As long as you are an online banking user, your credit score will be updated every month and displayed within online banking.

Since this is considered a soft pull, and therefore will not affect your credit score, you can click “refresh score” as frequently as every day. Log into Online Banking and select refresh where is lists Credit Score & More.

There are three major credit-reporting bureaus - Equifax, Experian, and Transunion - and two scoring models - FICO or Vantage Score - that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad is Below 500.

They use bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

The Credit Score & More, powered by Savvy Money, makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage every user to “File a Dispute” by clicking on the “Dispute” link within the Credit Report which is housed in Credit Score & More. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

Yes. This service will monitor and send an email alert when there has been a change to your credit profile.

Yes, Credit Score & More is available for both mobile and tablet devices and is integrated inside our mobile application.

MX - Money Desktop

MX - MoneyDesktop is a financial aggregate. In other words, it pulls together all your financial information into one location so you may view your entire financial picture. This in turn help you know where your money is and if the balances are changing in the right direction.  The security on this associated site is provided at a military grade level.

Direct Deposit

Yes, we can receive payroll deduction and direct deposit from participating employers and government institutions.


Yes, you can request direct deposit funds to be distributed to an unlimited number of Credit Union of Denver accounts on which you are a joint owner or co-borrower.

The distributions will take place after we receive your direct deposit. This usually takes two pay periods to begin.

Your funds will be deposited as soon as we receive the fund from your employer or funding source.


You can access all of the statements that have been generated since account opening.

No. They will be mailed out automatically to the address on file, but once you call C·U·D, we can securely email them to the email address on file.

It is important to use the most up to date browser when trying to retrieve and review your eStatements. Please ensure your device has a PDF reader enabled. Instructions for downloading and enabling a PDF reader can be found here. If you are using Chrome or Safari, you may need to clear your browsing data. Instructions can be found here on how to clear cookies & history.

If, after you try these steps, you are still experiencing issues, please contact us on our secure email or call us at 303-963-1333 | 1-800-279-3288 ext 1708.