Free Smart Checking Account

We believe everyone has the opportunity to succeed and part of that is offering our free Smart Checking Account to help you manage your monies. No matter what, our free Smart Checking Account will help you reach your goals while you receive multiple benefits. Whether you are a student or retiree looking for the best checking account to fit your lifestyle, we have the best options for you.


Our free Smart Checking Account is 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.

Credit Union of Denver’s Routing Number is 

These tools make this free Smart 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

Smart Checking With Interest

Just like our Smart Checking Account, Smart Checking with Interest has all the same benefits and it earns interest!

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
  • Plus all the benefits of Smart Checking…

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.

*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.