Check out both options and pick the one best for you:

What's better than free? Getting paid to use your debit card! Choose how you want to get paid: 5.00​% APY² with Interest Rewards Checking or $5 cashback each month with Cashback Rewards Checking!³ Plus, whichever account you choose you can receive up to $25 in refunded ATM fees each month when the requirements are met. (Don't worry, the monthly requirements are a piece of cake!). 

Monthly requirements¹ for Rewards Checking Accounts:

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

Easy, right? The good news, it’s free – there is no minimum balance or monthly account fees and there are no penalties for not hitting the requirements. If you don’t meet the requirements, don't sweat it, you have the whole next month to reach the rewards again!⁵ Your monthly eStatements will spell out if you have met the requirements. 

New Member(s) Get Started 

Existing Member Get Started 

If you have any questions, please give us a call at 303.234.1700 | 800.279.3288.

---

Our checking accounts come with free debit cards and are designed to fit your needs! Some call our Rewards Checking Accounts the best in town! Not only are the rewards accounts free with no minimum balance, but they pay you to use them!

Existing members – Just need to add a checking account?

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 Membership Savings and pull your credit. If you have more than two owners on the account, you’ll need to contact the Credit Union at 303.234.1700 | 800.279.3288.

Existing Member Get Started 

New Member(s) Get Started

If you are still not sure about which Free Checking/Debit Card Account is best for you, we’ve compiled some of the most common questions people ask when making these decisions. We hope this gives you some guidance to choose what will be best for you.

---

^*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 or cashback & ATM fee refunds. If the Account Requirements are met, the rewards noted will be applied. 

² APY = Annual Percentage Yield. Rates are variable and subject to change at any time. Rates current as of 05/19/2025. 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. Fees incurred on account can reduce earnings.

5 The timing of debit card transactions hitting your account are not in control of the credit union.

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.

$5 Membership Savings is required.

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. Request a copy in a branch or by calling 303.234.1700 

Federally Insured by NCUA.