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Best Banks & Checking Accounts in Denver, Colorado - March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 21, 2026

The best checking rates for Denver, Colorado include Westerra Credit UnionWesterra Credit Union3700 E Alameda Ave, Denver, CO 80209A+5.0 ★Texas Ratio: 3.61% Smart Money Checking at 6.00% APY, Bellco Credit UnionBellco Credit Union1075 S Havana St, Denver, CO 80012 2901A+5.0 ★Texas Ratio: 4.87% Boost Interest Checking at 4.50% APY, Meriwest Credit UnionMeriwest Credit Union1601 Wewatta St Ste 300, Denver, CO 80202 6478A5.0 ★Texas Ratio: 9.41% Smart REWARDS Checking at 2.00% APY, Colorado Credit UnionColorado Credit Union2001 Lincoln St Ste 100, Denver, CO 80202 3802A+5.0 ★Texas Ratio: 2.36% Premier Checking at 0.50% APY, and Academy BankAcademy Bank7800 Smith Rd, Denver, CO 80207A+5.0 ★Texas Ratio: 5.58% Elite Investment Checking at 0.50% APY.

Looking for the best checking accounts in Denver, Colorado? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Denver, Colorado, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Denver, Colorado. Checking Account Rates Last Updated and Verified: March 21, 2026

Denver, CO Checking Rate Trends

Compare local Denver, CO checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Colorado Checking Trends →
High-Yield Checking — CO Avg
0.991%
▲ 0.854 from last week

Colorado high-yield checking rates rose 0.854 points this week to 0.991% APY, up from 0.138% last week.

Rewards Checking — CO Avg
2.946%
▲ 1.503 from last week

Colorado rewards checking rates rose 1.503 points this week to 2.946% APY, up from 1.444% last week.

As of Mar 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Denver, Colorado & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Smart Money Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $2,000.00

Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1075 S Havana St
Denver, CO 80012 2901
Boost Interest Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Smart Money Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1601 Wewatta St Ste 300
Denver, CO 80202 6478
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Smart Money Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Smart Money Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2001 Lincoln St Ste 100
Denver, CO 80202 3802
Premier Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
7800 Smith Rd
Denver, CO 80207
Elite Investment Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
7800 Smith Rd
Denver, CO 80207
Elite Investment Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2001 Lincoln St Ste 100
Denver, CO 80202 3802
Premier Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
7800 Smith Rd
Denver, CO 80207
Elite Investment Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
7800 Smith Rd
Denver, CO 80207
Elite Investment Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Smart Money Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

ANB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
3033 E 1st Ave
Denver, CO 80206
Ultimate Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1275 Tremont Pl
Denver, CO 80204 2118
Biz Checking Plus
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

ANB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
3033 E 1st Ave
Denver, CO 80206
Community Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
7800 Smith Rd
Denver, CO 80207
Elite Investment Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

FirstBank (Colorado)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
8901 E Hampden Ave
Denver, CO 80231
Premier Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1075 S Havana St
Denver, CO 80012 2901
Platinum Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Smart Money Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $2,000.00

Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1075 S Havana St
Denver, CO 80012 2901
Boost Interest Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Smart Money Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1601 Wewatta St Ste 300
Denver, CO 80202 6478
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Smart Money Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1275 Tremont Pl
Denver, CO 80204 2118
Biz Checking Plus
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1075 S Havana St
Denver, CO 80012 2901
Platinum Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1075 S Havana St
Denver, CO 80012 2901
Platinum Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Credit Union Of Denver Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
900 AURARIA PKWY UNIT 263
DENVER, CO 80204 5800
Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1075 S Havana St
Denver, CO 80012 2901
Platinum Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

ANB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
3033 E 1st Ave
Denver, CO 80206
Easy Checking Plus & Classic 50 Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bellco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.87%
1075 S Havana St
Denver, CO 80012 2901
Platinum Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1520 E Mulberry St
Fort Collins, CO 80524 3501
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
816 Washington Ave
Golden, CO 80401
I.P.A. Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
116 Inverness Dr E
Englewood, CO 80112
Tier 2 Rewards Checking
3.56%
$25
View
▼
Rate3.50%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
5080 W 60th Ave
Arvada, CO 80003 6919
High Voltage Checking Tier 1
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Qualifying balance up to $4,999.99

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1601 Wewatta St Ste 300
Denver, CO 80202 6478
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
116 Inverness Dr E
Englewood, CO 80112
Tier 2 Rewards Checking
3.56%
$25
View
▼
Rate3.50%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
116 Inverness Dr E
Englewood, CO 80112
Tier 1 Rewards Checking
2.53%
$25
View
▼
Rate2.50%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Integrity Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 8.24%
1275 Village Ridge Pt
Monument, CO 80132
Gold Rewards Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1499 Wynkoop St Ste 100
Denver, CO 80202 5557
Free Student Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2001 Lincoln St Ste 100
Denver, CO 80202 3802
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Ent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1499 Wynkoop St Ste 100
Denver, CO 80202 5557
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
123 N College Ave
Fort Collins, CO 80524
Simply Free Plus checking
2.89%
$1,000
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $100,000.00

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
123 N College Ave
Fort Collins, CO 80524
Simply Free Platinum checking
0.40%
$25,000
View
▼
Rate0.40%
Min Deposit$25,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
123 N College Ave
Fort Collins, CO 80524
Simply Free Platinum checking
0.36%
$10,000
View
▼
Rate0.36%
Min Deposit$10,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
123 N College Ave
Fort Collins, CO 80524
Simply Free Platinum checking
0.26%
$5,000
View
▼
Rate0.26%
Min Deposit$5,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
123 N College Ave
Fort Collins, CO 80524
Simply Free Platinum checking
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
401 Edison Ave
Alamosa, CO 81101
VIP Free Interest Checking
0.05%
$50
View
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
221 N 3rd St
Sterling, CO 80751
FREEDOM 55 CHECKING
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
401 Edison Ave
Alamosa, CO 81101
Totally Free Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
720 W Midland Ave
Woodland Park, CO 80863 3025
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1499 Wynkoop St Ste 100
Denver, CO 80202 5557
Free Student Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

The District Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.85%
751 Chambers Rd
Aurora, CO 80011 7151
Teen Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
17455 E Exposition Dr
Aurora, CO 80017
YOUth Journey Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1601 Wewatta St Ste 300
Denver, CO 80202 6478
Business Elite Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Ent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1499 Wynkoop St Ste 100
Denver, CO 80202 5557
Business Dividend Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.15%
1275 Tremont Pl
Denver, CO 80204 2118
Biz Checking Plus
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Business High Balance Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Ent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1499 Wynkoop St Ste 100
Denver, CO 80202 5557
Business Dividend Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Business Preferred Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Business High Balance Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1601 Wewatta St Ste 300
Denver, CO 80202 6478
Business Essentials Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Ent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1499 Wynkoop St Ste 100
Denver, CO 80202 5557
Business Dividend Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Business Preferred Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Business High Balance Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Ent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1499 Wynkoop St Ste 100
Denver, CO 80202 5557
Business Dividend Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
3700 E Alameda Ave
Denver, CO 80209
Business Preferred Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Ent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1499 Wynkoop St Ste 100
Denver, CO 80202 5557
Free Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
2001 Lincoln St Ste 100
Denver, CO 80202 3802
Free Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Yampa Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
600 S Lincoln Ave
Steamboat Springs, CO 80487
Business Interest Checking
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Yampa Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
600 S Lincoln Ave
Steamboat Springs, CO 80487
Business Interest Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Yampa Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
600 S Lincoln Ave
Steamboat Springs, CO 80487
Business Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Elevations Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
2960 Diagonal Highway
Boulder, CO 80301 1412
Premium Business Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 13, 2026
Details

No additional details provided.

Golden Belt Bank, FSA
Institution Rating:
A5.0 ★ Texas Ratio: 6.19%
321 Ensign St
Fort Morgan, CO 80701
Advantage Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Denver, Colorado directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Denver, Colorado. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in CO.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Denver, Colorado earn interest?

Most traditional local checking accounts in Denver, Colorado earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Denver, Colorado FDIC insured?

Yes. Legitimate banks with branches in Denver, Colorado are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Denver, Colorado

Based on our current data, some of the highest checking account APYs available to residents of Denver, Colorado include:
  • Westerra Credit Union
    Smart Money Checking — 6.00% APY
  • Bellco Credit Union
    Boost Interest Checking — 4.50% APY
  • Meriwest Credit Union
    Smart REWARDS Checking — 2.00% APY
  • Colorado Credit Union
    Premier Checking — 0.50% APY
  • Academy Bank
    Elite Investment Checking — 0.50% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Denver, Colorado. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

Denver, Colorado Rates & Resources

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