Free Checking Accounts

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 Account 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

A woman sits on the shore of a mountain lake
spring family picture, mom, dad and two kids, in a garden holding vegetables


You become a member. We give back.

There are two steps to become a member of Elevations Credit Union:

  1. 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.

  2. We pay it forward. We donate your one-time $5 membership fee to Elevations Foundation(opens in a new window) to support life-changing scholarships for local students and community grants for early childhood development and mental health nonprofits.

Once you’re a member, you can apply for checking accounts, credit cards, loans and more.

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. Your donations will help the Foundation provide scholarships to college-bound Colorado high school seniors and community grants to local nonprofits.

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

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