Checking Account Choices for our 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!  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.

Checking Account 3 column Chart

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! Introducing the Interest Rewards Checking Account! If you meet the minimum requirements, you can earn up to 3.0%APY (annual percentage yield, compounded monthly) on balances up to $10,000 and receive up to $25 of ATM fees refunded monthly. It is a simple process and easy to accomplish the necessary steps.

  • No Minimum Balance required
  • Direct Deposit required – (if employer does not offer, an electronic deposit will suffice, try using our mobile deposit or set up an electronic transfer from another financial institution).
  • eStatements required – ecologically friendly and safer way to get your account information.
  • 15 Debit Card transactions required monthly – online or at retail establishments.
  • If requirements are met, then the monthly reward is – 3.0%APY interest is paid on entire balance up to $10,000, .20%APY on balance over $10,000. and a refund for up to $25 in ATM fees incurred.
  • It’s free – no fees to have the account & no penalties to not hitting the requirements.
  • If you don’t meet the requirements, you will only earn .05% interest, but then you have the whole next month to reach the rewards!
  • Monthly Statements will spell out if you have made the requirements or not. The timing of debit card transactions hitting your account are not in the control of the credit union.

It is recommended that you manage the Interest Rewards Checking Account in your online banking and through the mobile application for your mobile device. 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. We hope you find this helpful and share with your friends and family.

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


Tell your friends and family about the wonderful new addition to our checking account lineup. Utilize our Friends and Family referral promotion at the same time and you will make $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!

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

Apply 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. There are a couple of details to be aware of:

  • Minimum balance $1,000*graphic_interest
  • Interest paid on daily balance of 0.10%APY when account is kept above minimum for the month.
  • Plus all the benefits of No Minimum Balance Checking…see below.

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.

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.

No Minimum Balance Checking

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!

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

Apply Today!

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

*Direct Deposit defined:

In banking, a direct deposit (or direct credit) is a deposit of money by a payer directly into a payee’s bank account. Direct deposits are most commonly made by businesses in the payment of salaries and wages. These are usually referred to as electronic funds transfers (EFT) and use online connections from the payroll accounting department of our members employer or government agency like the Social Security Department.

We have a form you can take to your prospective payer to make the process easier for you. If you find you are needing any additional help or questions about getting this service set up, just give us a call and we will be happy to help you.

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 Insurance –
    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 303.963.1340 or 1.800.  MasterCard or 800.627.8372.
Debit Card Enhancements fine print: click here.