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Routing # 307075259

Checking & Debit Card Account Choices

It starts with access 24/7

Score Big with an Autographed7 Football from your Hometown Team!6

Rewards Checking is a Touchdown! Interest Rewards earn 5%25 APY up to a $10,000 balance or Cashback Rewards earn up to $5 each month

Whats 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!). Plus, for a limited time, when you sign-up for a new Interest Rewards or Cashback Rewards debit account and meet the monthly requirements, you will be entered into a random drawing to win an autographed football from your Denver Pro Football Team!6

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!4 Your monthly eStatements will spell out if you have met the requirements. 

New Member(s) Get Started 

Existing Member - Single   Existing Member - Joint

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

Limited Time Offer - Friends & Family Referral Special. Grow your money & share rewards! $25 for you & $100 for them.

Word of Mouth Growth pay$ off with our Friends & Family Rewards. For a limted time, refer a friend or family member to C∙U∙D and YOU will receive $25 and THEY will receive $100!

Learn more

Our variety of checking accounts with debit cards are designed to fit your needs! Some call our Rewards Checking Accounts and Debit Card Accounts the best in town! Not only are they 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 prime share 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 - Single   Existing Member - Joint   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/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 10/01/2023. 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 CUDeals are merchant discounts offered for a limited time and is an opt-in only offer. This is free with each checking account. Terms and Conditions located at:

5 If the daily balance should drop below $1,000 at any time during the month, the account will be charged a fee (as disclosed on the Fee Schedule) for that month, and the account will not accrue interest for those days where the balance is below $1,000. Interest will be calculated daily, compounded and credited monthly. Check out our current Fee schedule. Interest is paid on the entire balance provided the minimum amount of $1,000 is maintained on the account.  

6 Open a qualified Rewards Checking Account (Interest or Cashback) during the promotional period and have completed the monthly rewards qualifications of said Rewards Checking Account, for a minimum of one calendar month within the promotional period. Reward Checking Account qualifications include at least 15 Debit Transactions per month, Direct or Mobile Deposit, and electing eStatements. Limited time offer random drawing rules can be found here and expires November 30, 2023.

7 Official Colorado Pro Autographed Football has a Certificate of Authenticity. Please call us for details.

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 Account (Prime Share) 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 located on our website at