Checking Account Choices for Members

Whether you are a student, a retiree or anyone in between, looking for the best checking account to fit your lifestyle, we have the best options for you. Our checking account options are as easy as it comes and it begins with accessing your money 24/7!  You choose what is best for you!  Call, Click or Come By.

Interest Rewards Checking – earn up to 3% APY (Annual Percentage Yield) on balances up to $10,000 + .20% APY over $10,000 plus earn up to $25 in ATM fees Refunded

Cashback Rewards Checking – earn 5% of your debit card transactions, up to $5 per month + earn up to $25 in ATM fees Refunded

Interest Checking – earn interest on balances over $1,000 with no extra steps needed.

Basic Checking – just the basics.

free online checking account no opening depositclick on the image to enlarge
A Prime Share (savings) account with a $5.00 deposit is required for membership prior to opening a checking account.

Credit Union Checking – Make your choice & Get Started Here!

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 above, which will prompt you to also open a multiple share account. If you have more than two owners, contact the credit union at 303.239.1150 or 800.279.3288.

Benefits included with all of our checking accounts:

  • Free Bill Pay
  • Free Call24
  • Overdraft Options Available
  • One (1) NSF Fee Refund per calendar year
  • Unlimited in-branch teller transactions at over 5,600 Shared Branches across the U.S.
  • Access to over 30,000 Free ATMs nationwide including most 7-elevens
  • Only 1% Foreign Transaction Fee

Interest Rewards Checking Account

Credit Union of Denver Checking Account with Interest Rewards

In addition to the benefits above, if you meet the minimum requirements, you can earn up to 3.0% APY* on balances up to $10,000 and .20% on balances over $10,000, plus receive up to $25 of ATM fees refunded monthly.To earn 3.0% APY and ATM fee refunds, each month you must:

  • Receive a Direct Deposit or Mobile Deposit or Electronic Transfer from another institution.
  • Receive eStatements
  • Use your Debit MasterCard®  15 times monthly online or at retail establishments.

    The good news, it’s free – no fees to have the account & no penalties for not hitting the requirements. If you don’t meet the requirements, you will still earn .05%APY interest. However, you have the whole next month to reach the rewards again! Your monthly eStatements will spell out if you have made the requirements or not. Set up alerts to help track your activity.

    *APY (annual percentage yield, compounded monthly). The timing of debit card transactions hitting your account are not in the control of the credit union. A Prime Share (savings) account with a $5.00 deposit is required for membership prior to opening a checking account.

    Cashback Rewards Checking

    Credit Union of Denver Cashback Rewards Checking Account

    In addition to the free benefits included in all of our checking accounts, if you meet the minimum requirements, you can earn 5% cashback of your total debit card transactions up to $5 each month* and receive up to $25 of ATM fees refunded monthly.
    To earn the Cashback and ATM fee refunds, each month you must:

    • Receive a Direct Deposit or Mobile Deposit or Electronic Transfer from another institution.
    • Receive eStatements
    • Use your Debit MasterCard® 15 times monthly at online or at retails establishments.
    Up to 5% of debit transactions with a maximum reward of $5 per calendar month.

    Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

    Interest Checking

    Credit Union of Denver Interest Checking Account

    On top of our free checking benefits, Interest Checking earns interest without any extra bells and whistles to have to pay attention to. This account has a couple of details that need to be adhered to in order to avoid a monthly fee.

    • Must keep a minimum balance of $1,000*
    • Interest paid on daily balance of 0.10% APY

    But wait, there’s more…
    With any account that gives back interest to our members, they always have a little fine print that goes with it. We have kept it big so you don’t have to squint!

    *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 Rate and Fee schedule. Interest is paid on the entire balance provided the minimum amount of $1,000 is maintained on the account. Accrual of interest will begin on cash and non-cash deposits on the business day you deposit them to your account. Accrued interest will be credited to the account upon account closure. *APY (annual percentage yield, compounded monthly)
    See, that wasn’t so bad, right?

    Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

    Basic Checking

    Credit Union of Denver Checking Account

    Our Basic checking account has no minimum balance, no monthly account ownership fee and no minimum requirements to use the account. It is called Basic for a reason. No frills, just easy to use. We believe everyone has the opportunity to succeed and part of that is offering our free Basic Checking Account.

    No matter which checking account your choose, we hope our checking choices will help you manage your monies to be financially successful.

    Credit Union of Denver’s Routing Number is #307075259

    Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

    free online checking account no opening deposit

    CUDeals – Merchant Rewards you select based on your shopping preferences.

    We have sweetened the pot by adding CUDeals to all of our Checking Account Choices, as well as our credit card(s) associated with an eligible checking account.

    This is a merchant cashback reward program that you select and activate within online or mobile banking, which puts even more money into your checking account. You’ll receive cashback rewards from merchant offers you select when you use our CUD debit or credit MasterCard®. These offers are tailored to you based on relevance of your purchase history. When you make a qualifying purchase, for an offer you selected, the reward amount will automatically be awarded and deposited into your checking account in the next account settlement (which is typically the following month).

    This is better than free! No matter which way you look at it, you win!

    Check out more information on CUDeals.

    Card Alerts

    Stay Alert, Add Card Alerts to your CUD Cards


    Set up Member Card Alerts to notify you of certain types of account activities.
    You can elect to have alerts sent to you via email and/or text messaging (keep in mind, your phone plan may have extra charges for their services) for any or all of the following reasons:

    • Purchases over an amount of your choosing
    • Online purchases – Card is not present at time of purchase
    • International transactions – (email alerts only when traveling)
    • Declined purchases

    Learn more Alert details, how to get signed up and view the FAQ’s.

    Share your Credit Union. Get $50!

    Friends and Family Promotion - 2 happy older couples

    Credit Union of Denver offers so many great benefits and rewarding products, we want to share this with our members and the community. Help us grow our membership!

    Take advantage of all the great offers and share them with your friends and family.
    Refer a friend or family member to C∙U∙D and YOU will receive $50.00 and THEY will receive $50.00*!

    *We only ask to take advantage of this limited time offer:
    The new member opens one of our rewarding checking accounts and uses it for at least 6 transactions within the first 60 days. We know it will be a great move for your friend or family member. We need you to let us know you referred someone by completing this Friends and Family form and return it to C•U•D through the mail, fax or our secure portal.

    Sounds pretty simple, right? We want it to be easy for you so you both can enjoy the extra cash in your accounts.

    Thanks for spreading the word about Credit Union of Denver to your family and friends, and letting them know why they should make the switch!

    * Referred new member must open a checking account and have at least six (6) debit card and/or check transactions within the first sixty (60) days. New member must open the new checking account prior to the end date of Nov. 30th, 2019. If qualifications are met: $50 will be deposited into both members’ accounts after 60 days of the checking account open date. Both accounts must be in good standing. The qualifying transactions must occur within 60 days of opening to be eligible for the promotional money. A 1099-INT will be issued for the new member account. Offer valid through November 30, 2019.

    Our Debit MasterCard®

    We instantly issue and immediately activate them at our Lakewood Branch during regular business hours, Monday through Friday (Saturday not available at this time). If our Lakewood location is not convenient for you, we can have your debit card mailed to you within 5 to 7 days.  Our debit card has extra features to help keep your account secure and your purchases protected.

    Debit MasterCard Enhancements

    Our Debit MasterCard comes with enhancements to assure your purchases are protected along with a few other goodies.

    • Extended Warranty InsuranceCHIP Debit Card Enhancements Superhero
      Doubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand warranty on new products for a maximum of one year.
    • Price Protection
      Guarantees you the best price on new products purchased with an eligible card by providing a refund on the difference, if you find a lower price within 60 days of purchase.
    • Satisfaction Guarantee
      Provides up to $250 per new product, if you become dissatisfied with a product within 60 days of purchase and the merchant will not accept a return.
    • Identity Theft Resolution | Assisted Restoration
      If someone attempts to steal your identity, this will provide the services you will need to  report and help resolve the incident.

    We think it is important to offer our members a variety of options so that they may decide what is best for them. Any questions regarding these Debit Card Enhancements, call 1.800.MasterCard (800.627.8372). For Debit Card Enhancements fine print click here.

    Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

    Credit Union of Denver’s Routing Number is #307075259

    The safety of your funds are as important to us as they are to you. All our accounts are federally insured by the National Credit Union Association (NCUA). We have implemented safe guards to protect you, our member and your financial assets.