Buff One Checking

Bank like a Buff and score $100 + a hoodie

College life moves fast. Your banking should keep up. Open an Elevations Buff One Checking account before Sept. 30 and complete a few steps to earn $100 — plus a free Elevations hoodie to rep your Buff pride.

Why CU students choose Buff One Checking

No monthly fee. No minimum balance.

Enjoy an account that’s easy to manage on a student budget and makes spending, saving, and getting paid simple.
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Made for campus life

Get a free, instant‑issued debit card and link it to your Buff OneCard to withdraw cash and manage your account.
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Simple account management

Link accounts, move money easily, and stay on top of it all using Elevations Digital Banking and our mobile app.
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Right on campus for you

Our on-campus branch next to the CU Book Store can support you with real conversations and real guidance — no appointments needed.

Set up in minutes. Ready for campus life.

Open your Buff One Checking account online or in person and start banking the Buff way: Simple, flexible, and built for students.

Commonly Asked Questions

  • There’s no minimum balance requirement for Elevations Free Checking, Buff One Checking, 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).

  • 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.

  • Buff One Checking is a checking account designed for CU Boulder students who are currently enrolled. It allows students to use their Buff OneCard Student ID as their debit card at ATMs on campus. Forever Buffs Banking is designed for CU alumni and Buffs fans and features a CU-themed debit card.

  • You can access campus ATMs with both your standard debit card and your linked Buff OneCard. The linked Buff OneCard can be used for campus ATM transactions.

  • Your Buff One Checking account comes with a free debit card. Contact us or visit the on-campus Elevations branch at UMC to get started.

  • To replace your credit or debit card, please call (888) 346-4412, available 24/7. You may also log in to Elevations Online Banking and start a secure chat to replace your card.

    Online

    1. Login to the online banking
    2. Select “Alerts, Travel Notices, Replace” under Card Management menu
    3. Click “Manage Card” on the card image
    4. Under “Replacement Options”

    Please note that it may take 5-7 days for delivery of your new card by mail. To receive your card instantly, please visit an Elevations branch.

  • Help is always available to Elevations members:

  • Here’s the process after you open a Buff One Checking account with Elevations Credit Union:

    1. Pick your PIN number for your Buff OneCard.
    2. Use it at any ATM or merchant supported by the STAR network.
  • Sign up for Elevations Digital Banking to view your balance, activity, credit score tools, and more. Use the browser version or download the Elevations app.

  • Students receive eight free transactions each month at nearly 30,000 ATMs across the country.

  • You can access financial wellness resources like free online courses and our blog right here, right now. Members get free access a financial wellness app, Zogo. Zogo has 54+ financial courses on a variety of subjects and lets you earn points you can redeem for prizes like gift cards. We also regularly offer in-person and online seminars on campus.

  • Buff One Checking is available to current and incoming CU Boulder undergraduate and graduate students. Parents may assist or co-own the account.

  • Buff One Checking comes with a free debit card to use your account anywhere. Add it to your mobile wallet for easy tap-to-pay. Buff One Checking also turns your Student ID into a debit card to use at on-campus ATMs.

  • 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.

  • Yes, parents can co-own or monitor the account for added convenience.

Membership eligibility and one-time $5 membership fee required at account opening

*Annual percentage rate

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**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.