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

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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: April 9, 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 3.00% 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, Academy BankAcademy Bank7800 Smith Rd, Denver, CO 80207A+5.0 ★Texas Ratio: 5.58% Elite Investment Checking at 0.50% APY, and ANB BankANB Bank3033 E 1st Ave, Denver, CO 80206A+5.0 ★Texas Ratio: 1.17% Ultimate Checking at 0.25% APY. Checking account rates as of April 9, 2026 according to verified data from MonitorBankRates.

Denver has 12 local institutions in our database, with checking rates as high as 3.00% APY from Westerra Credit Union at 3700 E Alameda Ave, Denver, CO, 80209. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Denver, Colorado. Checking Account Rates Last Updated and Verified: April 9, 2026

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
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifications Required

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—
UpdatedApr 9, 2026
Details

Qualifications Required; 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—
UpdatedApr 8, 2026
Details

Qualifications Required

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—
UpdatedApr 8, 2026
Details

Qualifications Required

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—
UpdatedApr 9, 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 24, 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 24, 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—
UpdatedApr 9, 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 24, 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 25, 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—
UpdatedApr 8, 2026
Details

Qualifications Required

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 24, 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—
UpdatedApr 6, 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 24, 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 25, 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 25, 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
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 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
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifications Required

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—
UpdatedApr 9, 2026
Details

Qualifications Required; 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—
UpdatedApr 8, 2026
Details

Qualifications Required

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—
UpdatedApr 6, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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 25, 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—
UpdatedApr 8, 2026
Details

No additional details provided.

On Tap Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.08%
I.P.A. Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Tier 2 Rewards Checking
3.56%
$25
View
▼
Rate3.50%
Min Deposit$25
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
High Voltage Checking Tier 1
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $4,999.99

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Simply Free Plus checking
2.89%
$1,000
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details

Qualifications Required; Qualifying balance up to $100,000.00

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Tier 1 Rewards Checking
2.53%
$25
View
▼
Rate2.50%
Min Deposit$25
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
High Voltage Checking Tier 2
2.38%
$0
View
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Solera National Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.99%
Elevate Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Interest compounded daily and paid monthly.

Integrity Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 8.24%
Gold Rewards Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Minnequa Works Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Overtime Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 8, 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
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Tier 2 Rewards Checking
3.56%
$25
View
▼
Rate3.50%
Min Deposit$25
Min Balance—
UpdatedApr 6, 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%
Tier 1 Rewards Checking
2.53%
$25
View
▼
Rate2.50%
Min Deposit$25
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Integrity Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 8.24%
Gold Rewards Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 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—
UpdatedApr 9, 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—
UpdatedApr 9, 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—
UpdatedApr 9, 2026
Details

No additional details provided.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Simply Free Plus checking
2.89%
$1,000
View
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 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%
Simply Free Platinum checking
0.40%
$25,000
View
▼
Rate0.40%
Min Deposit$25,000
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Simply Free Platinum checking
0.36%
$10,000
View
▼
Rate0.36%
Min Deposit$10,000
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Simply Free Platinum checking
0.26%
$5,000
View
▼
Rate0.26%
Min Deposit$5,000
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Union Bank and Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Simply Free Platinum checking
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
VIP Free Interest Checking
0.05%
$50
View
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Equitable Savings and Loan Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
FREEDOM 55 CHECKING
0.02%
$100
View
▼
Rate0.02%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

San Luis Valley Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Totally Free Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 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—
UpdatedApr 9, 2026
Details

No additional details provided.

The District Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.85%
Teen Checking
0.50%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
YOUth Journey Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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—
UpdatedApr 9, 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—
UpdatedApr 9, 2026
Details

$100,000 and Above

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—
UpdatedApr 9, 2026
Details

$25,000 - $99,999.99

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—
UpdatedApr 8, 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—
UpdatedApr 6, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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—
UpdatedApr 9, 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—
UpdatedApr 9, 2026
Details

$10,000 - $24,999.99

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—
UpdatedApr 8, 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—
UpdatedApr 9, 2026
Details

$0 - $4,999.99

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—
UpdatedApr 9, 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—
UpdatedApr 9, 2026
Details

No additional details provided.

Solera National Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.99%
Prestige Business Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

Interest compounded daily and paid monthly.

Yampa Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Business Interest Checking
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Yampa Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Business Interest Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Yampa Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Business Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Elevations Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Premium Business Checking and up
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 9, 2026
Details

$100,000

Denver, CO Checking Rate Trends

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

Daily 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
1.958%
▼ 1.553 vs 7 days ago

Colorado high-yield checking rates fell 1.553 points over the past 7 days to 1.958% APY.

Free Checking — CO Avg
0.903%
▲ 0.151 vs 7 days ago

Colorado free checking rates rose 0.151 points over the past 7 days to 0.903% APY.

As of Apr 9, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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 — 3.00% 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
  • ANB Bank
    Ultimate Checking — 0.25% 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: April 9, 2026

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