Free Checking

Free checking that’s really free.

Your checking account doesn’t cost you a penny when you’re banking with the credit union that helps our Colorado community grow. With no minimum deposit and no monthly fees, Elevations Free Checking makes everyday banking simple. Plus, you get nationwide access to your account through the CO-OP network of 30,000 ATMs, and your funds are federally insured.

Open account

Free Checking Account features:

  • $0 minimum deposit

  • $0 monthly fee

  • Elevations Visa® Debit Card with no annual fee

  • Eight surcharge-free transactions per month at 30,000 CO-OP ATMs nationwide*

  • Add your debit card to your device's mobile wallet so you can pay in person, online or in app

Woman in a blue jacket snowboarding down a slope

A little giving back creates big Local Change.

Want your extra change to really add up? Opt in to our Local Change program to automatically round up your debit card purchases to the nearest dollar to benefit the Elevations Foundation. Stop by a branch, call us or chat with us to enroll.

Forever Buffs Debit Card


Free checking with a CU Buffs twist.

Get all the perks of an Elevations Free Checking Account with a Buffs-branded debit card. Buffs fans and alumni 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!

Dividend Checking

Your checking can earn dividends.

Earn 0.05% APY

Keep flexible cash flow while earning dividends with an Elevations Dividend Checking Account.

  • $100 minimum deposit

  • $10 monthly fee

  • Balance to avoid monthly fee: $10,000 combined balance of savings, checking and money market accounts (excluding IRAs), all under one single account number

  • Earn dividends on balances over $1,000

Couple standing on the porch of their log cabin viewing mountain scenery
Mother, father, and little girl walking in a snowy aspen grove

Why Elevations?

Because it matters where you bank.

We offer the services you’ve come to expect from traditional banks, but unlike others, our profits are reinvested back into our neighbors and local businesses. Every day, we help grow our community by offering mortgages, loans and financial services for Coloradans, free one-on-one consultations and financial seminars, and unique ways to give back to this place we call home. Because, like you, we’re proud Coloradans invested in the future of our community.

Commonly asked questions

More ways we can help you


We make it simple and straightforward to save for your goals.

Learn more


Be a card-carrying member of your community with no annual fee.

Learn more


Join us for a free financial seminar along the Front Range.

Learn more

*The first eight (8) CO-OP ATM transactions per month are free of charge. After that, you will be charged $1.50 per CO-OP ATM transaction.

†APY = Annual Percentage Yield