Skip to main content
Routing # 307075259
Young man wearing a red beanie cap holding a debit card and cell phone, smiling

Free Cashback Rewards Checking Account

This Free Cashback Rewards Checking Account with Debit Card goes one step further and pays you to access your money with Cashback Rewards! Earn 5% cashback of your total debit card transactions, up to $5 each month3, and receive up to $25 of ATM fees refunded monthly2.

To earn the Cashback and ATM fee refunds, each month you must1:

  1. Receive a Direct Deposit, Mobile Deposit, or Electronic Transfer from another institution
  2. Receive eStatements 
  3. Use your Credit Union of Denver Debit Mastercard® at least 15 times monthly, online or at retail establishments

The good news, it's free – no fees to have the account and no penalties for not hitting the requirements. If you don't meet the requirements, you have the whole next month to reach the rewards again!4 Your monthly eStatements will spell out if you have met the requirements. To help you manage your account set up Account or Debit Card Alerts to help track your activity.

But wait – there’s more! These Free Checking Benefits are included with all of our Debit Card Checking Accounts.

We pay you to access your money! Free Checking Account has been taken to a whole new level! Existing members select button below based on existing account ownership. If you would like to open a checking account with different ownership, please choose the New Member button, which will prompt you to also open a new prime share. If you have more than two owners, contact the credit union at 303.239.1150 | 800.279.3288.

New Member(s) Get Started

Existing Member - Single   Existing Member - Joint

A Prime Share (savings) account with a $5.00 deposit is required for membership prior to opening a checking account. 

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

Fees incurred on account can reduce earnings.

3 Up to 5% of the net purchase amount on debit card purchases with a maximum reward of $5 per calendar month.

4 The timing of debit card transactions hitting your account are not in the control of the Credit Union.

5 APY = Annual Percentage Yield. Rates are variable and subject to change at any time. Rates current as of 10/01/2022. Fees incurred on account can reduce earnings.

Foreign Transaction Fee for all debit and credit card transactions made in foreign countries, in foreign currencies, or initiated by phone or Internet with parties located outside of the U.S. 1% fee is calculated on final settlement amount in US dollars.

Applicant(s) must clear check reporting agency. The credit union also retains the right to obtain a Credit Bureau report on each applicant.

For all Checking Account disclosures, see our Membership Booklet and Truth in Savings information located on our website at