Checking Account Choices for our Members!

Free Checking Accounts

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!  With just a touch of a smartphone, access through online banking or even through a landline phone, we’ve got you covered. You will have access to your funds through different touch points: ATMs, Shared Branching Network, Credit Union of Denver branches and through Mobile Banking – you choose what is best for you!  Call, Click or Come By.

Free Protected Debit MasterCard

Our Debit MasterCard® is available to be instantly issued and immediately activated 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. C·U·D MasterCard’s (debit and credit) are chipped with EMV Chip technology and they now come with Member Card Alerts. These notify cardholders 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

Bonus: Setting up alerts is a great way to monitor your accounts without having to login! Learn more Alert details, how to get signed up and view the FAQ’s.  Follow this link to sign up your debit card today!

All of our checking accounts come w/CUDeals

CUDeals are cash back rewards

Earn money where you shop! CUDeals offers members, who opt in, an opportunity to receive cash back rewards through participating merchants. The merchants offered in cudonline/mobile app are based on the shopping habits of our members. Dozens of companies offer CUDeals for you when you use your CUD debit card. Simply drag and drop the offers that interest you into your “shop area”. You will see this on cudonline/mobile app. There’s nothing to keep track of, its very easy. Rewards will show up in the following month’s statement as a deposit.  Check out more information on CUDeals.

Checking account choices
Interest Rewards Checking

We care about our members’ livelihood, so we have put together an outstanding checking account to help you earn the most on the account you use the most! Interest Rewards Checking! If you meet the minimum requirements, you can earn up to 3.0% APY* on balances up to $10,000 and receive up to $25 of ATM fees refunded monthly. Earns Interest + Rewards

  • Earn Up to 3.0% APY on balances up to $10,000 monthly
  • Receive up to $25 in ATM fees refunded monthly
  • No Minimum Balance
  • CUDeals
  • Free Direct Deposit
  • Free Debit MasterCard® Instantly Issued in house
  • Debit Card Enhancements Include:
    • Identity Theft Resolution | Assisted Restoration
    • Extended Warranty Insurance
    • Price Protection
    • Satisfaction Guarantee
      see below for more details
  • Free MasterCard SecureCode protection against unauthorized users with online shopping
  • Free MoneyDesktop Financial Tool
  • Free Mobile Banking with Text Alerts
  • Free Mobile Deposit Capture
  • Free Online Banking with Free eStatements
  • Free Bill Pay
  • Free Call24
  • Overdraft Options Available
  • One (1) NSF Fee Refund per year
  • Unlimited in-branch teller transactions at over 5,300 Shared Branches across the U.S.
  • Access to over 30,000 Free ATMs nationwide including most 7-elevens

To earn 3.0% APY and ATM fee refunds, members must utilize Direct Deposit (if employer does not offer, an electronic deposit will suffice, i.e. mobile deposit or an electronic transfer from another financial institution). Use of eStatements and 15 Debit Card transactions required 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.

It is recommended that you manage the Interest Rewards Checking Account in online banking (cudonline) and mobile banking. Did you know that you can set up alerts to be sent to you via text or email when there is activity on your account? Another great way to manage your account and help you be successful with your personal finances.

Free Checking – Apply Today!

*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.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Checking with Interest

Checking with Interest earns interest without any bells and whistles to have to pay attention to. This is perfect for the right person with the right situation.

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 Rates. 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?

Apply Today!

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

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

No Minimum Balance Checking Account

We believe everyone has the opportunity to succeed and part of that is offering our free No Minimum Balance Checking Account (share draft account with no minimum balance required) and receive multiple benefits to help you manage your monies.


Credit Union of Denver’s Routing Number is #307075259

These tools and benefits make this free No Minimum Balance Checking Account one of the most valued around!

Apply Today!

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

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Friends and Family

Friends & Family You get $25 and they get $25!


Tell your friends and family about our wonderful checking account lineup. Utilize our Friends and Family referral program and you earn $25 and so will your referral. Everyone wins! Interested? Complete this fillable form and return it to C•U•D through the mail, fax or secure portal. Let us know if you have any questions. We are here to help!

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.

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