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

  • Access to 30,000 CO-OP ATMs nationwide and other ATMs*

  • 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
Buff One Banking logo


Calling all CU Boulder students!

Show your school spirit with the credit union that's practically your spirit animal. Buff One Banking is our college checking account with no monthly fee, no minimum balance and all the A+ tools and features you could ask for.

Forever Buffs Banking logo


Bank like a Buff, now and forever.

For CU Boulder alumni or those who simply love the Buffs, Forever Buffs Banking is the checking account with no monthly fee, no minimum balance and Buffs branded debit card and checks.

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.

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

*Charges from the owner of the ATM will apply.

†APY = Annual Percentage Yield