- Colorado Attorney General | Colorado Attorney General

Bank On Colorado works to connect everyone to safe and appropriate financial products and services

Bank On Colorado is a collaboration between the Colorado Department of Law’s Office of Financial Empowerment, financial institutions, community-based organizations, and local governments to ensure that all residents have the opportunity to be financially healthy.

Bank On Colorado is part of the national Bank On movement. Like dozens of other Bank On coalitions across the country, Bank On Colorado partners across sectors to connect residents to banking products certified as meeting the Cities for Financial Empowerment Fund’s Bank On National Account Standards (opens new tab). Bank On Colorado also helps residents with information about how to use these products effectively and how to navigate the consumer finance marketplace successfully.

Open a Bank On certified account:

A basic banking account is an important first step in participating in the financial mainstream, depositing your paycheck safely, paying bills effectively, accessing or building credit, and saving for emergencies and the future.

The following banks and credit unions across Colorado offer low-cost, low-fee transaction accounts that are certified as meeting the Bank On National Account Standards.

Academy Bank

Academy Bank Safe Spending Account

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $25

For information about the Academy Bank Safe Spending Account, visit the Academy Bank website (opens new tab).

Armed Forces Bank

Armed Forces BankSafe Spending Account

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $25

For more information about the Armed Forces Bank Safe Spending Account, visit the Armed Forces Bank website (opens new tab).
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Bank of America

Bank of America Advantage SafeBalance Banking Account

Monthly Maintenance Fee: $4.95
Minimum Opening Deposit: $25
Other Account Considerations: Monthly service charge waived for account owners who are under the age of 25 and qualify as a student OR the account owners under age 18

For more information about the Bank of America Advantage SafeBalance Banking Account, visit the Bank of America website (opens new tab)

Bellco Credit Union

Bellco Credit Union Simplicity Checking

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $0
Other Account Considerations: Bellco partners with Bank On Denver's Financial Coaching program

For more information about the Bellco Credit Union Simplicity Checking, visit the Bellco Credit Union website (opens new tab).

BMO Bank

BMO Smart Money Account

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $25
Other considerations: Monthly service charge waived for account holders under age 25.

For more information about the BMO Smart Money Account, visit the BMO website (opens new tab).

BOK Financial

BOK Financial Opportunity Banking

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $25

For more information about the BOK Financial Opportunity Banking, visit the BOK Financial website (opens new tab).

Citywide Banks

Citywide Banks Check Free Banking

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $25

For more information about the Citywide Banks Check Free Banking, visit the Citywide Banks website (opens new tab).

Del Norte Bank

Del Norte BankOn Checking

Monthly Maintenance Fee: $3
Minimum Opening Deposit: $25
Other Account Considerations: Available to San Luis Valley residents only

For more information about the Del Norte BankOn Checking, visit the Del Norte Bank website (opens new tab). Please note - this is available to San Luis Valley residents only.

First Interstate Bank

First Interstate Bank Simple Banking

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $25

For more information about the First Interstate Bank Simple Banking, visit the First Interstate Bank website (opens new tab).

First National Bank of Omaha

FNBO Access Debit Account

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $0

For more information about the FNBO Access Debit Account, visit the FNBO website (opens new tab).

First Southwest Bank

First Southwest Bank Checkless Checking

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $25
Other Account Considerations: Serves Southern Colorado, with locations in Cortez, Durango, Pagosa Springs and the San Luis Valley.

For more information about the First Southwest Bank Checkless Checking Account, visit the First Southwest Bank website (opens new tab).

JP Morgan Chase Bank

Chase Secure Banking Account

Monthly Maintenance Fee: $4.95
Minimum Opening Deposit: $0

For more information about the Chase Secure Banking Account, visit the Chase website (opens new tab).

KeyBank

KeyBank Hassle-Free Account

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $10

For more information about the KeyBank Hassle-Free Account, visit the KeyBank website (opens new tab).

MidWestOne Bank Freedom Checking

Midwest One Bank Freedom Checking

Monthly Maintenance Fee: $3.95
Minimum Opening Deposit: $25

For more information about the MidWestOne Bank Freedom Checking, visit the MidWestOne Bank website (opens new tab).

Minnequa Works Credit Union

Minnequa Works Credit Union Overtime Checking Account

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $25
Other Account Considerations: Serves Pueblo and Custer Counties.
Must have an active debit card with at least 1 transaction per month

For more information about Minnequa Works Credit Union Overtime Checking Account, visit the Minnequa Works Credit Union website (opens new tab).

PNC Bank

PNC Bank Foundation Checking

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $0
Other Account Considerations: Monthly service charge waived for account holders age 62 or over.

For more information about the PNC Bank Foundation Checking, visit the PNC Bank website (opens new tab).

Power Credit Union

Power Credit Union Empowered Checking

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $5
Other Account Considerations: Serves Southern Colorado with locations in Pueblo Main, Pueblo West, Cañon City, and Trinidad

For more information about the Power Credit Union Empowered Checking, visit the Power Credit Union website (opens new tab).

Sunflower Bank

Sunflower Bank Achievement Checking

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $25

For more information about the Sunflower Bank Achievement Checking, visit the Sunflower Bank website (opens new tab).

U.S. Bank

U.S. Bank Safe Debit Account

Monthly Maintenance Fee: $4.95
Minimum Opening Deposit: $25

For more information about the U.S. Bank Safe Debit Account, visit the U.S. Bank website (opens new tab).

Vectra Bank of Colorado

Vectra Bank of Colorado OnBudget Banking

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $25

For more information about the Vectra Bank of Colorado OnBudget Banking, visit the Vectra website (opens new tab).

Wells Fargo

Wells Fargo Clear Access Banking

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $25
Other Account Considerations: Monthly service charge waived for primary account owners under age 24.

For more information about the Wells Fargo Clear Access Banking, visit the Wells Fargo website (opens new tab).

Westerra Credit Union

Westerra Credit Union Everyday Money Account

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $25
Other Account Considerations: Serves Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, and Jefferson Counties

For more information about the Westerra Credit Union Everyday Money Account, visit the Westerra Credit Union website (opens new tab).

Yampa Valley Bank

Yampa Valley Bank's Bank on Account

Monthly Maintenance Fee: $5
Minimum Opening Deposit: $25
Other Account Considerations: Monthly service charge is avoidable by 15 debit card transactions per month. Serves Northwest Colorado with locations in Craig and Steamboat Springs.

For more information about the Yampa Valley Bank's Bank on Account, visit the Yampa Valley Bank website (opens new tab).

Zing Credit Union

Zing Credit Union Clear Card

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $0
Other Account Considerations: Serves Adams, Arapahoe, Jefferson, and Denver Counties.

For more information about the Zing Credit Union Clear Card, visit the Zing website (opens new tab).

Accounts available online only (no physical branch presence in Colorado)

Ally Bank

Ally Bank Interest Checking Account

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $0
Other Account Considerations: Account will close automatically if first deposit or transfer is not received within 30 days after account opening.

For more information about the Ally Bank Interest Checking Account, visit the Ally Bank website (opens new tab).

Capital One Bank

Capital One 360 Checking Account

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $0
Other considerations: Account will close if first deposit or transfer is not received within 60 days after account opening.

For more information about the Capital One 360 Checking Account, visit the Capital One website (opens new tab).

Discover Bank

Discover Cashback Debit Checking Account

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $25

For more information about the Discover Cashback Debit Checking Account, visit the Discover website (opens new tab).

Lending Club

LendingClub Rewards Checking

Monthly Maintenance Fee: $0
Minimum Opening Deposit: $25

For more information about the LendingClub Rewards Checking, visit the LendingClub website (opens new tab).

This information about Bank On certified accounts in Colorado was last updated 3/14/2024.
Financial institutions interested in offering a Bank On certified, visit the National Bank On website (opens new tab) to learn more.