Checking Accounts
Foothills Free Checking
Banking is a breeze with Foothills Free Checking
With no minimum deposit and no monthly fees, Foothills Free Checking makes everyday banking simple. Plus, you get nationwide access to your accounts through the CO-OP network of 30,000 ATMs.
Peak Perks Checking
Unlock everyday protections with Peak Perks Checking
This checking account does more than hold your money. It offers plenty of protections and financial benefits, including:
- Discounts on select loans: Save 0.25% APR* on new Elevations HELOC, auto loan, motorcycle loan, RV loan, and personal loan.
- Identity theft resolution services: Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
- Up to $10,000 identity theft expense reimbursement coverage: Receive reimbursement for expenses associated with restoring your identity.
- No monthly fee with qualifying actions: Maintain an active account and meet deposit requirements to enjoy all the benefits of the account with no monthly maintenance fees.
Summit Dividend Checking
Your checking can earn dividends
Keep flexible cash flow while earning dividends with a Summit Dividend Checking Account.
- Dividends on higher balances
- Rate boost on select, new Elevations CDs
- Special loan rate offers
- Identity theft monitoring
- Dark web monitoring
- Identity theft expense reimbursement
- No monthly fee with $10,000 combined daily balance
Compare our checking account options
Find the right Elevations checking account to fit for your lifestyle.
Features |
Foothills Free Checking |
Peak Perks Checking |
Summit Dividend |
|---|---|---|---|
| Monthly fee |
Free |
Free or $8 Fee waived if: $1k Direct Deposit OR 20 Debit/Credit Card Transactions per month |
Free or $10 Monthly fee waived if $10,000 combined daily balance (excludes IRAs, HSAs, and CDs) |
| Free debit cards & ATM's nationwide |
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| Secure online banking and mobile app |
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| Credit score, identity, and dark web monitoring |
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| Fully managed identity theft resolution services |
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| Identity theft expense reimbursement coverage |
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| CyberRecovery powered by DynaRisk |
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| Roadside assistance |
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| Cell phone protection |
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| Travel and leisure discounts |
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| $hopping Rewards™ |
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| Fuel savings |
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| 0.25% APR* loan rate discount |
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| 0.25% APY^ boost on CDs |
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| Dividends on checking balance |
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Features
Foothills Free Checking
Monthly fee
Free
Free debit cards & ATM's nationwide

Secure online banking and mobile app

Credit score, identity, and dark web monitoring
--
Fully managed identity theft resolution services
--
Identity theft expense reimbursement coverage
--
CyberRecovery powered by DynaRisk
--
Roadside assistance
--
Cell phone protection
--
Travel and leisure discounts
--
$hopping Rewards™
--
Fuel savings
--
0.25% APR* loan rate discount
--
0.25% APY^ boost on CDs
--
Dividends on checking balance
--
Peak Perks Checking
Monthly fee
Free or $8
Fee waived if: $1k Direct Deposit OR 20 Debit/Credit Card Transactions per month
Free debit cards & ATM's nationwide

Secure online banking and mobile app

Credit score, identity, and dark web monitoring

Fully managed identity theft resolution services

Identity theft expense reimbursement coverage

CyberRecovery powered by DynaRisk

Roadside assistance

Cell phone protection

Travel and leisure discounts

$hopping Rewards™

Fuel savings

0.25% APR* loan rate discount

0.25% APY^ boost on CDs
--
Dividends on checking balance
--
Summit Dividend
Monthly fee
Free or $10
Monthly fee waived if $10,000 combined daily balance (excludes IRAs, HSAs, and CDs)
Free debit cards & ATM's nationwide

Secure online banking and mobile app

Credit score, identity, and dark web monitoring

Fully managed identity theft resolution services

Identity theft expense reimbursement coverage

CyberRecovery powered by DynaRisk

Roadside assistance

Cell phone protection

Travel and leisure discounts

$hopping Rewards™

Fuel savings

0.25% APR* loan rate discount

0.25% APY^ boost on CDs

Dividends on checking balance

Round up and save
Build your savings, one swipe at a time
Make your purchases add up to savings with Round Up. Here’s how it works:
- Enroll in Round Up through digital banking for free. Find it under “Transaction Round Up.”
- Every debit card purchase rounds up to the nearest dollar.
- Watch your savings grow with every swipe.
You can also donate part of your round-up amounts to the Local Change Foundation and support causes close to home.
Friendly, efficient service. Love the app, and superfast remote check-deposit feature! Saturday hours, too. True community knowledge, service, and involvement. Great business.
CU Boulder Checking & Debit Cards
Debit cards for Buffs fans and students
Get all the perks of an Elevations Free Checking account with a Buffs-branded debit card. Buffs fans can show their spirit with Forever Buffs Banking and choose to support CU Boulder student scholarships when they pay. Current CU Boulder students can get ATM access on campus with Buff One Banking. Go Buffs!
Commonly Asked Questions
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There is no minimum balance requirement for Elevations Foothills Free Checking, Buff One Banking, and Forever Buffs Banking. All members are required to pay a one-time $5 membership fee and have a Membership Savings Account (also with no minimum balance requirement).
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Here’s how ATM fees work for our checking accounts:
- Free, unlimited withdrawals at Elevations ATMs
- Eight surcharge-free transactions per month at over 30,000 CO-OP ATMs nationwide
- Two surcharge-free transactions per month at other ATMs (charges from the owner of the ATM will apply)
Please see our fee schedule for more details.
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Yes, Summit Dividend Checking accounts pay dividends on balances over $1,000.
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Buff One Checking is a free checking account designed for CU Boulder students in partnership with Buff OneCard at CU Boulder. Students can link their Buff OneCard Student ID to their Buff One Checking account for convenient ATM access on campus. Elevations has 10 fee-free ATMs at CU Boulder and is the only financial institution with a full-service branch on campus.
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Donations made to Elevations Foundation through Local Change Foundation may be tax deductible. Please check with your qualified tax advisor. Donations will appear on your monthly account statement, and you will receive a year-end tax donation statement.
You become a member.
We give back.
There are two steps to become a member of Elevations Credit Union:
- You become a member.
Join Elevations by opening a Membership Savings Account and paying a one-time $5 membership fee. A membership fee is required for each account holder. - We pay it forward.
We donate your one-time $5 membership fee to the Local Change Foundation to support life-changing scholarships for local students and community grants for affordable housing and mental health nonprofits.
Once you’re a member, you can apply for checking accounts, credit cards, loans, and more.
How can we help you?
Give us a call at (800) 429-7626 | Routing #307074580
Membership eligibility and one-time $5 membership fee required at account opening.
*Annual percentage rate
^Annual percentage yield
All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Rate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications and underwriting factors. Please speak with an Elevations representative for more information. Offers of credit are subject to membership requirements and credit approval.