FAQs in Alphabetical Order

Credit Union of Denver is among the top Colorado credit unions. Have questions about your accounts, technical assistance with online or how a product or service works? You’ve come to the right place. We’ve compiled a list of our members’ most frequently asked questions. If you don’t find the answer you are looking for, please contact us.
Technical questions are listed first followed by General account questions and then those associated with MasterCard in alphabetical order.


Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. IRA accounts are separately insured up to $250,000 by NCUA.

Regulation D is a federal regulation that limits the number of electronic transfers from money market and savings accounts. Under Regulation D, a maximum of six transfers per month from a savings or a money market are allowed. These transactions include phone requests, Overdraft, Online Banking, email requests and faxed requests. There are no limitations on ATM, in-branch or shared-branch transactions. Please Note: This is a regulation mandated by the federal government. This is not a Credit Union policy.

The primary member and the joint owner being removed must complete a Joint Owner Removal form. To obtain this form please visit one of our main branches or you may contact us directly at 303.234.1700 or 800.279.3288.

Once you have changed your name with Social Security, you must complete a Name Changeform. In conjunction with your name change form you must also return the form with your new government-issued ID supporting documentation confirming the change (marriage certificate, divorce decree etc.).  To obtain this form please visit one of our main branches or you may contact us directly at 303.234.1700 or 800.279.3288.

Your address can be updated through C·U·D online under User Options>Change Address. You can change your address by completing an Account Update form or in person at one of our main branches.

C·U·D does not have minimum balance requirements on our Free checking account. You must open a Savings account with a minimum of $5.00 before obtaining subsequent deposit or loan products.

You can make deposits in person, by mail, or by ATM. You can also make deposits conveniently through payroll deduction, Direct Deposit and for select accounts, by Mobile Deposit.

You can make cash withdrawals in person at any Main Branch, CO-OP Shared Branch or ATM. If you have a Credit Union of Denver checking, you can also withdraw money by using your free debit card.

A stop payment request may be made in person or via phone through our Call Center at 303.234.1700 | 800.279.3288. There is a fee for this service.

If you discover your checks have been lost or stolen, please contact our Call Center at 303.234.1700 | 800.279.3288.

After your initial order of checks, you can reorder checks or view styles online. If you would like information on check styles or prices offered, phone our Call Center at 303.234.1700 | 800.279.3288

Learn more about our Free Checking.

It usually takes between four to seven business days to receive personal checks.

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Apple Pay

Add your Credit Union of Denver cards to Apple Pay through the passbook app on your iPhone 6 and above or 6+, or Apple Watch. Then, pay for purchases by holding your iPhone 6 and above near a contactless reader with your finger on TouchID™. No need to open an app or even wake your phone.




Apple Pay is a contact payment technology as well  as a new feature for iPhone 6 and above and Apple Watch. It pulls your credit cards, debit cards, and other sensitive-payment data from the Passbook app, enabling you

to use an iPhone 6 and above or Apple as a wallet at store checkouts.



Apple Pay is initially only available in the US. It debuted on 20 October 2014.



Apple Pay works with iPhone 6 and above, iPhone 6 Plus, and Apple Watch.



Apple Pay works in more than 220,000 stores in the US.


A few of  the stores that accept Apple Pay at the moment include: Babies-R-Us, Bloomingdales, Disney, Duane Reade, Macy’s, McDonalds, Nike, Petco, Staples, Subway, Toys-R-Us, Unleashed, Walgreens, Whole Foods, etc.

Check this link for  more participating retail outlets: www.apple.com/apple-pay/where-to-use-apple-pay/



Option 1: Manual


Step 1: Set up your fingerprint

(Fingerprint set up is in Settings, Touch ID & Passcode, select Add a Fingerprint, follow instructions). Step 2. Open Passbook

Step 3. Select the plus button

Step 4. Select add another card

Step 5. Manually enter your information

Step 6. Agree two times


You’re ready to go!


Option 2: Picture. Take a picture of  your card (you must have a card that has raised numbers. C∙U∙D

instant issue debit cards will not work with the camera option).


Step 1: Set up your fingerprint

(Fingerprint set up is in Settings, Touch ID & Passcode, select Add a Fingerprint, follow insturctions). Step 2. Open Passbook

Step 3. Select the plus button Step 4. Select add another card Step 5. Push camera button Step 6. Line  up with square

Step 7. Enter the security code

Step 8. Agree two times


You’re ready to go!


Learn more about how to set up and use Apple Pay, go to support.apple.com/en-us/HT201239





C∙U∙D  is ready to help you with issues when adding credit or debit cards to your iPhone 6 and above and iPhone

6 Plus. You can contact C∙U∙D  or AppleCare, who will help you resolve your issue. Before you call,  be prepared to answer a few questions.


  1. The dollar amount of  your last swipped payment made with your card.
  2. The vendor of your last swipped payment made with your card.
  3. Date of your last swipped payment made with your card.


Questions are subject to change so be prepared to answer any questions regarding your cards and account.



Here’s what you need to use Apple Pay:

∙    iPhone 6 and above or iPhone 6 Plus (Apple Pay in stores and within apps)

∙    iOS  8.1 or later

∙    United States as your selected region

∙    Touch ID or passcode on your device

∙    iCloud account



Apple Pay is more secure than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple  is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren’t shared with the merchant, and your actual card numbers aren’t stored on your device or on Apple servers.


You can use Apple Pay with your iPhone 6 and above, iPhone 6 Plus, and Apple Watch to pay in stores that accept contactless payments.

Some stores might have this symbol on their card readers and point of  sale terminals, but they might not be currently set up to accept contactless payments, including Apple Pay. At the current time, this includes 7-Eleven, Home Depot, Jack in the Box, Rite Aid,  and CVS.  If you can’t use Apple Pay at a store that is displaying the contactless payment symbol, please let us know using our Apple Pay feedback form. www.apple.com/feedback/apple-pay.html

On  iPhone 6 and above, iPhone 6 Plus, you can use Apple Pay to pay within apps when you see the Buy with Apple Pay or Apple Pay button as a payment method.


With Apple Pay, you authorize each purchase with Touch ID or your passcode. These features help prevent other people from using Apple Pay on your iPhone. You can call  C∙U∙D  to suspend or remove your cards from Apple Pay. You can also go to icloud.com/find or use the Find My  iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network.


As  you do today with a plastic credit or debit card, you might need to sign a receipt, depending on the store and the transaction amount.


Yes.  When you pay using Apple Pay, you’ll  continue to get the rewards, benefits, and security that your credit or debit card provides.


When you suspend or remove your cards in Passbook, your device-specific Device Account Number is suspended or removed. You can continue to use your plastic credit or debit card.

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Applications and Forms

Visit our forms page for printable and online applications and forms. Or, phone our Call Center at 303.234.1700 | 800.279.3288 or visit any Credit Union of Denver branch.

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Bill Pay

This is due to our new Bill Pay Disclosures, in order to continue using our Bill Pay services we ask of you to please read and accept our new disclosures. To do so, all you have to do is go to our full version site, log in and click on bill pay. Once this is done you can go back to your Mobile App and use Bill Pay as usual.
Side Note: You don’t necessarily have to go to an actual computer to accept the new disclosures, you can easily do it from your phone or tablet using any browser app like “Safari”, “Internet”, or “Chrome”.

It is important to be using the most up to date browser when accessing Bill Pay. The message you are receiving is due to your browser’s settings blocking third party cookies. Bill pay requires these to be enabled. You will find instructions on enabling third party cookies for the most recent versions of some of the most popular browsers. If you are on an older version, or if you do not see your browser on here, you may reach our e-Commerce department for assistance at 303-963-1333.

Internet Explorer:

  1. Click on Control Panel.
  2. Choose Internet Options.
  3. On the General tab, click the Delete button under the Browsing History to remove cookies; Click Delete.
  4. Click on the Advance tab.
  5. Under the Browsing title, click on the box next to Enable third-party browser extensions.
  6. Click Ok.

Safari (on MAC):

  1. Open Safari
  2. Click on “Safari” on the top left of the screen.
  3. From the Safari drop down list select “Preferences”.
  4. Click the Privacy icon
  5. Uncheck the option “Prevent Cross-Site Tracking”
  6. Close the preferences window.
  7. Load Bill Pay


  1. Click on Chrome’s menu (3 dots on upper right corner)
  2. Click on SETTINGS
  3. Scroll to the bottom of the page and click ADVANCED to open up further options
  4. Scroll down to the PRIVACY AND SECURITY section, and click CONTENT SETTINGS
  5. Click on COOKIES
  6. The third option down is BLOCK THIRD-PARTY COOKIES. If the switch option is blue (On), click it to turn it gray (Off)
  7. Access Bill Pay again

No, Credit Union of Denver cannot process any bill payment outside of the US.

Yes, simply set the person up as a Payee and enter their account number and routing number in bill pay.

No, only payments going to payees who accept electronic payments go electronically. If the payee does not accept electronic payments, the payment will be sent as a physical check.

Mozilla is not allowing the page to redirect to Bill Pay due to the Accessibility settings.

This can be fixed by clicking on the menu (3 bars) on the top right, selecting Options/Preferences ->on the left side, select Advanced-> Under Accessibility, uncheck ‘Warn me when web sites try to redirect or reload the page’

If you do  not want to uncheck the field, the following option will also work, but will have to be done every time you access Bill Pay.

Click on Bill Pay tab. Right Click on the white screen, select ‘This Frame’->select reload frame. A banner will appear asking you to allow the page to redirect. Click ‘Allow”.

The cudonline platform will step you through setting up your Bill Pay, however, if you would like to see our step by step process, we have made an easy tutorial for your viewing pleasure.

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What is the phone number for Call24?
To use this service call 303.231.9014 or 800.951.9014

You can sign up for Call24 by visiting a Credit Union of Denver Branch or phoning our Call Center at 303.234.1700 or 800.279.3288.
Call24 Quick Reference Guide

If you have forgotten your Call24 PIN, please contact the credit union.
If you would like to change your access code (Call24 PIN), please call 303.231.9014 or 800.951.9014, carefully listen to the prompts for guidance. Use the reference guide for faster access.

All transactions made during business hours take effect immediately. Transactions made after business hours, on a weekend or on a holiday will be posted on the next business day with an effective date of the actual transaction date.

A total of six electronic withdrawals or transfers per month are allowed from all Savings and Money Market Accounts. However, unlimited withdrawals and transfers can be made through an ATM or in person at a Credit Union of Denver Branch or a shared-branch.

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Consumer Loans

No, you can apply for a loan online and by phone without being a member; however, you must be eligible for membership. Prior to the loan being funded, you will need to establish a Credit Union of Denver membership and a Savings Account with an initial deposit of $5.00.

There are no fees involved when applying for a Credit Union of Denver consumer loan.

You must be employed or have a verifiable source of income, the ability to repay the debt and a stable credit history.

We require copies of your tax returns from the two most recent years and a Profit & Loss report completed by an accountant.

No, you can pay off any Credit Union of Denver loan without incurring a prepayment penalty.

Yes, our loans are available to members residing in any of the 50 US states and territories. Mortgages are restricted to Colorado.

If you are requesting a MasterCard® or Personal loan, funding can usually take place within two business days provided all required documents are received and signed. Vehicle Loan funding, depending on the type of purchase or refinance, can generally be completed within a couple days provided all appropriate documents are received and signed.

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Credit Score & More

Credit Score & More is a comprehensive credit score program offered by Credit Union of Denver to help you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs. With this program, you always know where you stand with your credit and it gives options on how to possibly save money.

Credit Score also monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made. Monitoring helps users keep an eye out for identity theft.

Inside Credit Score & More, you will find your Credit Report. It provides you all the information you would find on your credit file including a list of open loans, accounts and credit inquiries.  You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like Credit Score & More, when you check your credit report, there will be no impact to your score.

No. this is entirely free and no credit card information is required to register.

As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click “refresh score” as frequently as every day by navigating to the detailed Credit Score & More site from within online banking.

Credit Score & More pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

There are three major credit-reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad is Below 500.

No, Credit Union of Denver uses its own lending criteria for making loan.

No, your Credit Score & More is a free service to help you understand your credit health, how you make improvements in your score and ways you can save money on your loans with Credit Union of Denver.

They use bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

Credit Score & More can help you manage your credit so when it comes time to borrow for a big-ticket purchase—like buying a home, automobile or paying for college—you have a clear picture of your credit health and can qualify for the lowest possible interest rate. You’ll also see offers on how you can save money on your new and existing loans with Credit Union of Denver.

The Credit Score & More, powered by Savvy Money, makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from www.annualcreditreport.com, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can “File a Dispute” by clicking on the “Dispute” link within the Credit Report which is housed in Credit Score & More. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

Based on your Credit Score & More information, you may receive Credit Union of Denver offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.

No. Checking Credit Score & More is a “soft inquiry”, which does not affect your credit score.  Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

Yes. This service will monitor and send an email alert when there has been a change to your credit profile.

If you access Credit Score & More through your online banking, you have to do nothing! Your email address will get updated automatically when you update it in online banking. However, we always encourage you to inform us if any of your contact information needs to be updated.

Yes, Credit Score & More is available for both mobile and tablet devices and is integrated inside our mobile application.

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CURewards® Mall FAQs

CURewards Mall is a program that allows you to earn Mall points, by shopping at your favorite brand-name retailers within the CURewards Mall network. So stock up on clothing, electronics, entertainment, home and garden gear and more, and you’ll earn Mall points with each purchase!

Earning is easy. Every time you use your Credit Union of Denver MasterCard credit card at the participating retailers listed on the CURewards Mall website, you’ll earn Mall points. Just remember to click on the links in each offer, or use your card when shopping in participating retailers’ stores.

Mall points can take up to 30 days to be credited to your account after the date of purchase.

C·U·D cardholders who shop in the CURewards Mall will still earn base points awarded through the CURewards program for signature-based purchases plus bonus points from the Merchants with whom they shop.

To find a retailer where you can earn Mall points, simply view the list of “In-Store Mall” retailers or shop directly through the website at the Online Mall retailers.

Nope! Just make sure you use your credit or debit card and sign for your purchases when you shop and you’ll automatically earn Mall points.

Participating in CURewards Mall is free for CURewards members. It’s just our way of saying thank you.

Simply visit the CURewards Home Page (located under “Member Connect” at the top of this page), look for the CURewards Mall section in the far left corner and click on the “New Mall Offers” button in this section to see all the newly-added offers. While on the website you can also sign up to receive emails with special offers.

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Direct Deposit

Yes, we can receive payroll deduction and direct deposit from participating employers and government institutions.

307075259. It is the first nine digits on the bottom of your check.

Yes, you can request direct deposit funds to be distributed to an unlimited number of Credit Union of Denver accounts on which you are a joint owner or co-borrower.

The distributions will take place after we receive your direct deposit. This usually takes two pay periods to begin.

Your funds will be deposited as soon as we receive the fund from your employer or funding source.

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It is important to use the most up to date browser when trying to retrieve and review your eStatements. Please ensure your device has a PDF reader enabled. Instructions for downloading and enabling a PDF reader can be found here. If you are using Chrome or Safari, you may need to clear your browsing data. Instructions can be found here on how to clear cookies & history.


If, after you try these steps, you are still experiencing issues, please contact us on our secure email secure email  or call us at 303-963-1333 or 1-800-279-3288 ext 1708

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MasterCard Debit and Credit Cards

MasterCard Debit Card is available to members with a Credit Union of Denver Checking Account. The purchase amounts are deducted from your Checking Account.  It allows access to ATMs that provides transactional assistance with your Savings or Checking Account at ATMs. Plus, it allows you to make purchases everywhere MasterCard is accepted.

A MasterCard Credit Card provides access to a line of credit and allows you to make purchases and cash advances everywhere MasterCard is accepted.

Credit Cards can be received in approximately seven to ten business days from the ordered date.
Debit Cards are available immediately during business hours Monday through Friday 9:00 am to 4:30 pm at our Alameda Branch or can be mailed out and received within 3-5 business days.(depending upon USPS).

Yes, as long as he/she is a joint owner on your account.

If your credit card has been declined, please call our Card Department during business hours.

  • MasterCard Lost/Stolen Debit or Credit 800.449.7728
  • During business hours contact us at 303.963.1340 or 800.279.3288
    (Monday – Friday, 8:30 am through 5:00 pm, or Saturday 9:00 am through 12:30 pm MST)

In the event any of your MasterCard(s) are lost or stolen, please call one of the following numbers immediately.

  • MasterCard Lost/Stolen Debit or Credit 800.449.7728
  • During business hours contact us at 303.963.1340 or 800.279.3288
    (Monday – Friday, 8:30 am through 5:00 pm, or Saturday 9:00 am through 12:30 pm MST)

Yes, deposits made at ATMs may have a 2-business day hold placed on them; however, the first $100 of your deposit will be available immediately.

For assistance with your particular situation, please phone our Card Department at 303.963.1340 | 800.279.3288.

Assistance on Credit Card transactions are handled directly by MasterCard at 866.820.5890

  1. During normal business hours: please contact us using the secure email portal or call us at 303.963.1340 | 800.279.3288,
  2. Outside normal business hours: please contact MasterCard Customer Service at 800.654.7728. (Note:  MasterCard Customer Service can only reactivate your card one day at a time, so you may need to call back each day if you are gone over a weekend or holiday)

To report your MasterCard lost or stolen call MasterCard at 800.449.7728.

  1. First make sure to login to your MyMasterCard Account.
  2. Click on “View Transactions”.
  3. Under Transaction History you will find two drop down menus, click on the one that says, “I want to…” and “Select Export to Excel”. 

If you elect to receive e-mail consumer-selected alerts, there is no cost to you. If you elect to receive SMS consumer­ selected alerts, alerts will be sent to your mobile phone via text message and standard text message and data rates assessed by your mobile carrier may apply. Please check with your mobile carrier to ensure that you own an SMS capable mobile handset that is registered on a carrier network and elected for a data plan that includes use of the mobile handset’s SMS capabilities. Acceptance of messages received is the sole liability and responsibility of the cardholder.

Text messaging capabilities on your mobile phone is required to receive SMS consumer-selected alerts. If your mobile phone is able to send and receive text messages, but you do not subscribe to this service, you will need to contact your mobile phone provider to add a text messaging feature to your phone plan. As an alternative, you may want to select the email alert option.

For credit and/or debit card alerts, you can register your card(s) through links on our card and checking pages on our website or through “My MasterCard” access link, you can find on our home page at cudenver.com.

  1. Click ‘Register or Return’
  2. Enter the requested information
  3. Select any alerts you would like to receive
  4. Click submit
  5. You will receive a text message to complete your registration and you must reply yes.

T-Mobile, Verizon Wireless, AT&T, Sprint, Interop – Appalachian Wireless, US Cellular Corp® , Cincinnati Bell, Boost Mobile, Cricket Communications, Virgin Mobile USA, ALLTEL Communications Inc.

Typically, responses arrive within one minute, but timing may vary. You may experience delays or failures in delivery of an alert because of any of the following circumstances: (1) merchant delay in processing a transaction; (2) delays and/or failures attributable to network operators and telecommunications providers; (3) if your mobile device is off or out of operating range of a carrier with an appropriate signal for SMS and/or data services; (4) a variety of other wireless service and coverage conditions; (5) active or passive filtering of e-mail messages; and (6) insufficient space in the email account that is to receive email messages.

Your mobile phone may be blocked from receiving third-party text messages. Check with your carrier and ask them to remove the block from your phone.

Your mobile phone may be blocked from receiving third-party text messages. Check with your carrier and ask them to remove the block from your phone.

No. Text message alerts can only be sent via U.S. carriers and will only be receivable in the U.S. If you live or travel outside of the U.S., you will need to specify an email address to begin receiving alerts to that email address.

Yes. If you are an authorized user, you can enroll as many mobile numbers and email addresses for an account as you wish. You may create a unique 10 character alphanumeric registration nickname per registration to assist you in identifying the card for which the alert is triggered.

In most cases, your existing alert settings will be transferred to your new card number. Please review your settings online to ensure you continue receiving text messages or emails about potential fraudulent activity.

Text messages are unique in that they can only hold 160 characters. Some commands require multiple messages to return all of the necessary information.

Yes. Our first priority is to protect your personal information. If you ever receive a text message asking for your member number, account numbers or other personal information, DO NOT RESPOND!

In order to receive alerts to your new phone number or through e-mail, you will need to re-register your card with the new mobile number or email by changing them within your saved registration.

Send a text that says STOP to 26499 for debit alerts, or 57526 for credit alerts. You will receive an opt-out confirmation.

You can also unsubscribe to this service by deactivating your registration on this site.

Yes, you will need to create 2 distinct registrations, one for each destination.

Click ‘Register or Return’. Enter the requested information. Review the alerts selected. If changes are needed, proceed with what you’d like to change. Click ‘Submit’. If no changes, Click ‘Home’ or exit browser.

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Credit Unions are not-for-profit, member-owned financial cooperatives. Unlike for-profit banks whose purpose is to increase the wealth of their stockholders, often at the expense of their customers, credit unions’ purpose is to give our members the best value and service possible.

Banks are for-profit companies that exist to generate high levels of profit for their stockholders. Bank stockholders elect a paid board of directors to run the bank and to financially benefit stockholders, not the bank’s depositors. Credit unions are not-for-profit organizations that were founded on the idea of “people helping people”. They are member-owned and exist to serve their members, with a volunteer board of directors.

  • If you live or work in Adams, Arapahoe, Boulder, Denver, Douglas or Jefferson counties.
  • If you work for most federal government agencies, RTD or Yellow Cab.
  • If you attend one of our many affiliated schools including Metropolitan State, Community College of Denver and Art Institute of Colorado and many others.
  • If you join Consumers United Association.
  • For a full list of our affiliated groups click here.

If you are an immediate family member or a household family member of an existing Credit Union of Denver member, you are also eligible for membership.

  • Immediate family members:
    • Spouse
    • Children
    • Adoptive children
    • Siblings
    • Parents
    • Grandchildren
    • Grandparents
    • Stepchildren
    • Stepsiblings
    • Stepparents
  • Household family members:
    • Persons living in the same residence, maintaining a single economic unit.

Once a C·U·D member, always a C·U·D  member! We can help you transfer your Direct Deposit, 401k or any other products or services associated with your ex-employer. Call the Call Center 303.234.1700 | 800.279.3288.

Yes, a minimum deposit of $5 is required to open a Credit Union of Denver Savings Account and to establish your membership.

Provided we have all necessary documents, processing normally takes just one or two business days upon receiving your application.

Contact our Business Development Department Manager Dario Damian at 303.963.1306

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Mobile Banking

For Devices using Apple IOS or Android

  1. Download the Credit Union of Denver app (available at your app store). Open the application.
  2. At the login screen, enter your User ID and Password.
  3. After entering your User ID and Password, an email will automatically be sent to your primary email address containing a security code. Check your email for the code and enter the code on the “Security Code” screen. Enter.

**Please note: If you don’t have your current email address on file with Credit Union of Denver, please update it through cudonline prior to setting up mobile banking.
To avoid errors for new users, or if you are having issues using your mobile app, make sure you are using the most updated version of the application. Please visit your app store for more information and to update.

For your security, your account is locked if you have incorrectly entered a password too many times in a row.

To reset your password using your mobile app

  1. Click on the forgotten password at the login screen.
  2. Enter the required fields and click Reset Password, this will send a temporary password, sent to the email address on file.
  3. Use the temporary password to login into the mobile app,

The app will prompt you to change the temporary password to a permanent password of your choice.

To reset your password over the phone
303.239.1150 or 800.279.3288

To reset your password via our secure email portal
Email us through the secure portal

Credit Union of Denver does not charge a fee. Depending on the terms of your contract, your wireless carrier may charge you for using web-enabled features on your device.

Unlike cudonline, mobile banking cannot view check images, prior statements, or tax information. You also cannot setup a new Bill Pay Payee.

  1. Treat your smart phone like a computer and protect it with anti-virus software.
  2. Use the Keypad lock or phone lock function of your mobile device when not in use.
  3. Delete text messages, e-mails, and other sensitive information before loaning out or selling your mobile device.
  4. Avoid storing passwords or other sensitive information on your mobile device where it could be discovered if your device is lost or stolen.
  5. Never disclose via text message, phone call or e-mail your personal or financial information,
    • Account numbers
    • Passwords
    • Social Security Number
    • Date of Birth
  6. Be cautious when using public hotspots.
  7. Consider your WiFi and Bluetooth connection settings (even at a trusted retailer), fraudsters can spoof the name of reputable hotspots.
  8. Download the most recent versions of apps and keep them updated.
  9. Sign off when you are finished using the Credit Union of Denver app rather than just closing it.

As of 01/31/18, we have switched over to TLS 1.2 as older versions have been deemed no longer adequate from a security perspective. You will find device specific information below which will help you determine if you need to update browser settings/operating systems to be compatible with TSL 1.2.



Our mobile application supports Android OS 5.0 or newer.


Our mobile application supports IOS 11.4 or newer.


The majority of newer browser versions are compatible with TLS 1.2. If your online banking is not working with your current browser, visit here to be provided with instructions on updating your browser settings.

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Mobile Deposit Capture

No, funds are not available immediately. Once the deposit has been completed using the mobile application, that information is sent to the credit union electronically. The electronic deposits will be posted by Credit Union of Denver on the next business day at 9:30 am or 2:30 pm. Once the deposit has been posted to your account the funds are still subject to Credit Union of Denver’s and Regulation CC check holds. Please keep the check for 90 days.

Yes, you should keep the check for 90 days.

The deposit will not appear in your online banking transaction history until it has been posted. To check the status of the mobile deposit, go into your mobile application, then click on mobile deposit and finally click on mobile deposit history. Here you can see if your deposit is pending, accepted, or rejected.

Yes, unfortunately there are some accounts that are restricted from mobile deposit. If you have received this error message your account has been restricted. Restricted accounts include:

  • Accounts less than 30 days old
  • Business Accounts
  • TTM Accounts
  • Accounts deemed ineligible by C·U·D

If you do not fall under any of the categories listed above and you are still getting the same error or any other error, please contact us at 303.239-1150 or 800.279.3288.

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MoneyDesktop is a financial aggregate. In other words, it pulls together all your financial information into one location so you may view your entire financial picture. This in turn help you know where your money is and if the balances are changing in the right direction.  The security on this associated site is provided at a military grade level.

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Mortgage Loans

Even though C·U·D does not offer First Mortgage to purchase a home, we are proud to team with Centennial Lending.

We offer many options to make your equity work for you with great rates. For a full list of our mortgage products click here.

Is my loan-to-value (LTV) ratio less than 80%?
Your LTV is the relationship between the current outstanding balance of your loan and the collateral’s value. This relationship helps us decide how much you can borrow. This can be applied to any loan type that is tied to a piece of collateral.
If we are talking about home loans, for example;
A HELOC is a Line Of Credit drawn on the Equity built as a home appreciates in value and is being paid down with monthly payments.
You may be eligible for a line of credit if your LTV is less than 80%.

To calculate your LTV, add how much you need for a line of credit to the amount of all debts secured by your home, and then divide that total by your home’s estimated value.

Use this formula to get an idea of your LTV: (A + B)/C = LTV

A = The line of credit amount you need
B = The outstanding balance of your first and second mortgages, if any
C = Your home’s estimated value

The Loan to Value (LTV) is the outstanding loan amount divided by the appraised property value or purchase price.

For a estimated value of your home, check out our home value connection and type in your address. Let us know if you have any trouble with this or have any other questions, we are always here to help.


Your first mortgage payment is usually 30 days after closing. The actual date of your first payment will be included in your closing documents.

To expedite the mortgage loan process, have the following items available:

  • Information on all assets—401(k), cash deposits, Term Certificates, etc.
  • W2s from the last two years
  • Signed federal tax returns for the last two years (with schedules if you are self-employed or received rental income)
  • List of current debts to include:  credit cards, child support, auto loans, installment debt, etc.
  • Two most recent pay stubs
  • Most recent property tax bill (if available)
  • Most recent mortgage loan statement
  • Copy of your current homeowner’s insurance policy

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Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Online Banking

C·U·D Online Banking (cudonline) is compatible with these Browsers:

The current release on:

  • Microsoft Internet Explorer®
  • Apple Inc. Safari®
  • Mozilla Firefox®
  • Google Chrome
  • Opera®

Please consult your operating systems website to confirm you have the latest in technology downloaded.
Cookies and JavaScript must be enabled, Java must be updated.

cudonline is compatible with the following Operating Systems:

  • Windows 7 and above
  • We support the most common versions of Apple MAC OSX

Our mobile banking app is compatible with the following Mobile Operating Systems:

  • Android version 4.5 or above
  • IOS 8.0 and above

Other browsers and operating systems may be used; however, they are not supported by C•U•D and some features may not function properly. For maximum security, always use the latest version of a browser. Beta versions of browsers and operating systems are not recommended or supported. Additionally, if a browser or operating system is no longer supported by the vendor, it is not supported by C•U•D.

You may have entered your account number incorrectly or you may need to establish an online banking profile by clicking on FIRST TIME?.

Use your account number as your User ID. You may personalize your User ID within cudonline by clicking on the “User Options” tab and then “Change User ID”.

Use this password reset tool, or contact us by using this secure email link, or call us at 303.239.1150 or 800.279.3288.

Click on the “Forgotten Password?” link at login screen of your mobile app, enter the required fields and click “Reset Password”, this will send a temporary password, sent to the email address on file. Use this temporary password to login into the mobile app, the app will prompt you to change the temporary password to a permanent password of your choice.

Important: We do not have access to your password. In the case of a forgotten password, please use our password reset tool or contact us to reset your password.

You can change your address by logging into your account and clicking on user options and then click change address. Or you may complete and sign this form.  Once the form is completed you can

  • Fax 303.239.1108,
  • Mail Credit Union of Denver, P.O. Box 261420, Lakewood, CO 80226,
  • Scan and send through our secure email portal.

Once you have logged into your account online, hover your cursor over “Accounts” then click on transfers.

To find history older than 90 days online you will need to access eStatements. To find eStatements, log into your account then hover over accounts and click on eStatements.

No, unfortunately the only way to export data from your C·U·D account is to use the export feature within Credit Union of Denver online banking.

  1. To export your transactions, hover cursor over Accounts, then click on Export.
  2. Choose the account you would like to export history.
  3. Select Quicken Web Connect as your Export format, and click the Download Data button. Do this for each account you wish to export.
  4. Open Quicken. The exported history items will be automatically uploaded.
    Our Online Banking Export feature is compatible with the most current version of Quicken as well as QuickBooks.
  1. First make sure to login to your MyMasterCard Account.
  2. Click on “View Transactions”.
  3. Under Transaction History you will find two drop down menus, click on the one that says, “I want to…” and “Select Export to Excel”.

As of 01/31/18, we have switched over to TLS 1.2 as older versions have been deemed no longer adequate from a security perspective. You will find device specific information below which will help you determine if you need to update browser settings/operating systems to be compatible with TSL 1.2.



Our mobile application supports Android OS 5.0 or newer.


Our mobile application supports IOS 11.4 or newer.


The majority of newer browser versions are compatible with TLS 1.2. If your online banking is not working with your current browser, visit here to be provided with instructions on updating your browser settings.

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Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Routing and Transit Number

307075259. It is the first nine digits on the bottom of your check.

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To email C·U·D, please use our secure email portal and send us a message.
Do not send us any personal information using an unsecured email like your personal email platform. Always protect information like,

  1. Account numbers
  2. Passwords
  3. Social Security Number
  4. Date of Birth

Unsecured emails are not protected and your information may be compromised.

Phone C•U•D immediately at 303.234.1700 | 800.279.3288.

Our education page offers information on identity theft and what to do if you think you’re a victim.

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Transaction Locations

The CO-OP Shared Branch allows you to access your Credit Union of Denver accounts at participating non-Credit Union of Denver branch locations nationwide. You can make deposits, withdraw cash, make loan payments, and transfer funds between accounts and more. Learn more about the CO-OP Shared Branch and find a location near you. If you would prefer a mobile text option, text your location to 91989. Please keep in mind that while this service is free of charge, standard data/SMS fees may apply from your Mobile Carrier.

Please view a complete listing of our branches for operating hours.

You simply need to provide your member number and a valid government-issued identification with photo and signature in a branch. You can also conduct transactions through cudonline banking, our Call Center and Call24 – our automated telephone banking service.

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When experiencing an error message, try the following steps before contacting us:

  1. Clear the cache, reload, or refresh.
  2. Close the browser.
  3. Retry.
    After trying this and you still continue to receive the error message, contact us by using this secure email portal, or call us at 303.239.1150 | 800.279.3288.
    Important:  When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, etc.).

To show us the exact error message that you are receiving, display the error message on your screen and take a screenshot on your device.

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Wire Instructions


To have funds wired from another institution to the Credit Union of Denver, the information below is required tin order to facilitate the wire:

  • Routing Number for Credit Union of Denver:    307075259
  • Your Account Number:    1234567 (example)
  • Suffix you want funds deposited into:    00 – Savings,    06 – Checking,   40 – Money Market
  • Required Beneficiary Information:   Name, account number, address, city, state and zip code where funds are to be deposited once received by the Credit Union (e.g. Joe Smith, 9305 Alameda, Lakewood, CO 80226

***If you do not specify an account number suffix, the funds will be deposited into your savings account.***

If you have any questions please call 303.234.1700 or 800.279.3288.


To have funds wired from Credit Union of Denver to another institution, the following information is required to facilitate the wire:

  • Photo Identification
  • All wire instructions from beneficiary and beneficiary financial institution
  • Beneficiary name and physical address
  • Must come in person to submit request

All information must be submitted and verified prior to 12:00 pm MST in order for the wire to go out on the same day. 

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