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Checking & Debit Card Account Choices

It starts with access 24/7

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!

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 08/01/2021. 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: cudenver.com/disclosures.

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.  

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 cudenver.com/disclosures.