Bank On Denver Certified Account Options
Bank On Denver Certified Account Options
Scroll below to see Bank On account options in Denver Metro!
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Academy
Bank
Safe Spending Account
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- Mobile Deposit & Banking
- Online Banking & Bill Pay
- 70+ Convenient Locations
- Eligible for Savings Round-Ups
- Visa Debit Card Usage Alerts
- Referral Rewards
Alliant Credit
Union
High-Rate Checking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- No Minimum Monthly Balance
- No Monthly Service Fee
- Access to 80,000+ Free ATMs
- $20/mo in ATM Fee Rebates
- Tap to Pay with Visa Debit Card
Alliant Credit
Union
Teen Checking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- Members Eligible 13-17 Yrs Old
- Joint Ownership for Parents
- No Minimum Monthly Balance
- No Monthly Service Fee
- Access to 80,000+ Free ATMs
- $20/mo in ATM Fee Rebates
- Tap to Pay with Visa Debit Card
Ally
Bank
Spending Account
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- No Monthly Service Fee
- Get Paid Up to 2 Days Early
- Access to 75,000+ Free ATMs
- $10/mo in ATM Fee Rebates
- Ally eCheck Deposit
- Send & Receive Money w/Zelle
- Spending Buckets
Bank of
America
SafeBalance Banking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $4.95/$0 Monthly Service Fee
- No Monthly Fee if Under Age 25
- Digital Banking – No Checks
- No Co-Owner for Age 17+
- $0 Liability Guarantee
- Interactive Budgeting Tool
- Mobile & Direct Deposits
- Virtual Financial Assistant
Bellco Credit
Union
Simplicity Checking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- Free Online & Mobile Banking
- Free Debit Card
- Free ATMs
- Free Remote Check Deposit
- Free Bill Pay
- Access to Zelle
- Direct Deposit
BMO
Smart Money Checking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $5/$0 Monthly Service Fee
- No Monthly Fee if Under Age 25
- Digital Banking
- Access to 40,000+ Free ATMs
- Personalized Support
BOK
Financial
Opportunity Banking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- Free Visa Debit Card
- Free Online & Mobile Access
- Bill Pay & Mobile Deposit
- Free Access to 32,000+ ATMs
- Save Faster with QuickSave
- ExpressBank 24/7 Account Info
Capital
One
360 Checking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- 24/7 Mobile Banking
- 70,000+ Free ATMs
- Move Money with Zelle
- Mobile & In-Store Deposit
- Instant Alerts
- Get Paid Up to 2 Days Early
Chase
Secure Banking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $4.95/$0 Monthly Service Fee
- Free Check Cashing
- Free Official Checks
- Send Money Using Zelle
- Free Chase ATMs
- QuickDeposit & Online Bill Pay
- Early Direct Deposit
- Budgeting Tools
Citywide
Banks
Check Free Banking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $0 Minimum Balance
- $5 Monthly Service Fee
- Access to Financial Team
- Online Banking
- Savvy Money Management
- Mobile Budgeting Apps
Commerce
Bank
Velocity Pay
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- No Minimum Balance Required
- Access to Allpoint ATMs
- Free Reloadable Prepaid Card
- Tap & Go Functionality
- Digital Wallet Tokenization
- Velocity Pay App
Discover
Bank
Cashback Debit
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- Earn 1% Cash Back
- No. Fees. Period.
- Get Paid up to 2 Days Early
- Fraud Protection
- Digital Wallets
- 60,000+ Free ATMs
- Send Money with Zelle
First Interstate
Bank
Simple Banking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $5 Monthly Service Fee
- Online & Mobile Banking
- ATM Use
- Direct Deposit
- Mastercard Debit Card
- Free Electronic Statements
FNBO
Access Debit Account
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- Free Debit Card Replacement
- Online Banking & Bill Pay
- Remote Check Deposit
- No FNBO ATM Fees
- No Minimum Deposit
- No Minimum Balance Required
- Apple & Samsung Pay
FNBO
Free Checking Account
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- No Monthly Service Fee
- Online Banking & Bill Pay
- Free Bank Logo Checks
- No FNBO ATM Fees
- No Minimum Deposit
- No Minimum Balance Required
- Apple & Samsung Pay
Independent
Financial
Intro Checking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $4.95 Monthly Service Fee
- Free Email & Text Alerts
- Free Digital Banking & Bill Pay
- Free Debit Card
- Free Mobile Banking & Deposit
- $25 Minimum Opening Deposit
KeyBank
Hassle-Free Account
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $0 Monthly Service Fee
- No Minimum Balance Required
- $10 Minimum Opening Deposit
- Get Paid Up to 2 Days Early
- EasyUp Automatic Savings
- Convenient Branches & ATMs
- Account Alerts
LendingClub
Rewards Checking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- No Monthly Service Fee
- No Minimum Balance Required
- Earn Unlimited 1% Cash Back
- Unlimited ATM Fee Rebates
- Get Paid Up to 2 Days Early
- Earn Interest
- Mobile Banking & Deposit
MidWestOne
Bank
Freedom Checking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $3.95 Monthly Service Fee
- $25 Minimum Opening Deposit
- No Minimum Balance Required
- Digital Banking & Bill Pay
- Free Mobile Deposit
- Apple & Android Pay
- Zelle
PNC
Bank
Foundation Checking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $5 Monthly Service Fee
- No Minimum Opening Deposit
- Online & Mobile Access
- Visa Debit Card
- Send/Receive Money w/Zelle
- Pay with Just a Tap
- Access to ~ 60,000 Free ATMs
- Digital Banking Tools & Alerts
Sunflower
Bank
Achievement Checking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $5 Monthly Service Fee
- $25 Minimum Opening Deposit
- Online & Mobile Banking
- BaZing ID Theft Reimbursement
- Visa Debit Card
- Unlimited Deposit/Withdrawal
- Free Bill Pay
U.S.
Bank
Safe Debit Account
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $4.95 Monthly Service Fee
- $25 Minimum Opening Deposit
- Visa Debit Card
- Mobile Banking
- Mobile Check Deposit
- Track Spending
- Monitor Credit
- Access to Thousands of ATMs
Vectra
Bank
OnBudget Banking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $5 Monthly Service Fee
- $25 Minimum Opening Deposit
- Debit Card & Digital Wallet
- Mobile Banking
- Mobile Check Deposit
- Digital Tools
- Zelle
- Free Access to Vectra ATMs
Wells
Fargo
Clear Access Banking
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- $5 Monthly Service Fee
- $25 Minimum Opening Deposit
- No Minimum Balance Required
- Online Banking & Bill Pay
- Mobile Banking
- Mobile Check Deposit
- No Co-Owner for Age 17+
- Contactless Debit Card
Westerra
Credit Union
Everyday Money Account
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- No Monthly Service Fee
- No Minimum Balance Required
- Earn Debit Card Rewards
- Get Paid Up to 2 Days Early
- Courtesy Pay Up to $200
- Apple, Google, & Samsung Pay
- Mobile Deposit
Zing
Credit Union
Clear Card
- No Overdraft or NSF Fees
- No Account Activation, Closure, Dormancy, or Low Balance Fees
- No Minimum Opening Balance
- No Minimium Balance Required
- Access to 30,000+ Free ATMs
- Reloadable Prepaid Visa Debit
- Direct Deposit
| Financial Institution | Bank On Account Name | Monthly Fee | Waivable Monthly Fee | Minimum Opening Deposit | Minimum Balance Requirement | Branch Access | Out-of-Network ATM | Bill Pay | Cashier's Checks | Online/Mobile Banking | Remote Deposit | Early Direct Deposit | Zelle | Earns Interest | Incoming Wire Transfer | Outgoing Wire Transfer | International Wire Transfer | Paper Statements | Optional Paper Checks | ITIN/Alternative IDs | Online Account Opening | Youth Account | Linked Savings Accounts | Credit Building Products |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Academy Bank | Safe Spending Account | $5 | No | $25 | $0 | Yes | $2.75 | Yes | $7 | Yes | Yes | No | Yes | No | $8.75 | $20-$30 | $50 | $2 | Yes | ITIN | Yes | No | Compare Personal Savings | Express Loan, CD Term Loan, Secured Credit Card |
| Alliant Credit Union | High-Rate Checking | $0 | N/A | $25 | $0 | No | $0 | Yes | $0 | Yes | Yes | No | No | Yes | $0 | $25 | $50 | $0 | Yes | ITIN | Yes | No | High-Rate Savings, Supplemental Savings | Personal Loans |
| Alliant Credit Union | Teen Checking | $0 | N/A | $0 | $0 | No | $0 | Yes | $0 | Yes | Yes | No | No | Yes | $0 | $25 | $50 | $0 | Yes | ITIN | Yes | Yes | Kids Savings Account | N/A |
| Ally Bank | Spending Account | $0 | N/A | $0 | $0 | No | $0 | Yes | $0 | Yes | Yes | Yes | Yes | Yes | $0 | $20 | $0 | N/A | Yes | ITIN | Yes | No | Compare Savings | N/A |
| Bank of America | Advantage SafeBalance Banking | $4.95 | Yes | $25 | $0 | Yes | $2.50 | Yes | $15 | Yes | Yes | No | Yes | No | $15 | $30 | $15-$45 | $0 | No | ITIN, Foreign Passport, U.S. Non Immigrant Visa and Border Crossing Card-DSP-150, Mexican/Guatemalan/Dominican/Colombian Consular ID, Canadian Citizenship Certificate Card | Yes | Yes | Secured Credit Cards | |
| Bellco Credit Union | Simplicity Checking | $0 | N/A | $0.01 | $0 | Yes | $0 | Yes | $5 | Yes | Yes | No | Yes | No | $20 | $20 | $40 | $2 | Yes | N/A | No | No | Savings Accounts | Share-Secured Loan |
| BMO | Smart Money Checking | $5 | Yes | $25 | $0.01 | Yes | $3 | Yes | $10 | Yes | Yes | No | Yes | No | $0 | $30 | $50 | $2 | Yes | ITIN & Foreign Government Issued IDs/Passports | Yes | No | Explore Savings Options | BMO Boost Secured Credit Card, Savings Secured Loans, Credit Builder Loan Program |
| BOK Financial | Opportunity Banking | $5 | No | $25 | $0.01 | Yes | $0 | Yes | $3 | Yes | Yes | No | Yes | No | $15 | $30 | $15+ | $2 | No | Foreign IDs/Passports | Yes | No | Savings Accounts | Secured Credit Cards |
| Capital One | 360 Checking | $0 | N/A | $0 | $0 | No | $0 | Yes | $10 | Yes | Yes | Yes | Yes | Yes | $0 | $30 | N/A | $0 | Yes | ITIN | Yes | No | Savings Accounts | Credit Building Credit Cards |
| Chase | Secure Banking | $4.95 | Yes | $0 | $0 | Yes | $3 | Yes | $0 | Yes | Yes | Yes | Yes | No | N/A | N/A | N/A | $0 | No | Foreign Passport w/Photo, Permanent Resident Card w/Photo, U.S. Employment Authorization Card w/Photo, Foreign National ID, Matrícula Consular Card | Yes | No | ||
| Citywide Banks | Check Free Banking | $5 | No | $25 | $0 | Yes | $3.50 | Yes | $12 | Yes | Yes | No | Yes | No | $12 | $25-$30 | $15-$50 | $2 | No | N/A | No | No | Personal Savings Accounts | Max Cash Secured Card, Secured Card |
| Commerce Bank | Velocity Pay | $5 | Yes | $0 | $0 | Yes | $2.50 | No | $5 | Yes | Yes | No | No | No | N/A | N/A | N/A | $0 | No | N/A | No | No | N/A | |
| Discover Bank | Cashback Debit | $0 | N/A | $0 | $0 | No | $0 | Yes | $0 | Yes | Yes | Yes | Yes | No | $0 | $30 | $30 | $0 | Yes | ITIN, Foreign Passport | Yes | No | ||
| First Interstate Bank | Simple Banking | $5 | No | $0 | $0 | Yes | $2.50 | Yes | $8 | Yes | Yes | No | Yes | No | $10 | $30 | $10-$50 | $2 | No | Foreign Passport | No | No | Savings Accounts | |
| FNBO | Access Debit Account | $0 | N/A | $0 | $0 | Yes | $0 | Yes | $0 | Yes | Yes | No | Yes | No | $0 | $15 | $25-$35 | $0 | No | N/A | No | No | Savings Accounts | |
| FNBO | Free Checking Account | $0 | N/A | $0 | $0 | Yes | $0 | Yes | $0 | Yes | Yes | No | Yes | No | $0 | $15 | $25-$35 | $0 | Yes | N/A | Yes | No | Savings Accounts | Secured Visa® Credit Card |
| Independent Financial | Intro Checking | $4.95 | No | $25 | $0 | Yes | $1.25 | Yes | $5 | Yes | Yes | No | Yes | No | $10 | $25 | $10-$45 | $3 | No | N/A | No | No | N/A | |
| KeyBank | Hassle-Free Account | $0 | N/A | $10 | $0 | Yes | $3 | Yes | $8 | Yes | Yes | Yes | Yes | No | $20 | $25 | $20-$45 | $0 | No | ITIN, Valid Foreign Passport (exception for passports from Venezuela, which may be expired), Mexican/Guatemalan/Dominican/Colombian Consular ID | Yes | No | Compare Savings Accounts | |
| LendingClub | $0 | N/A | $25 | $0 | No | $0 | Yes | N/A | Yes | Yes | Yes | No | Yes | $0 | $0 | $0 | N/A | Yes | N/A | Yes | No | LevelUp Savings | Personal Loans | |
| MidWestOne Bank | $3.95 | No | $25 | $0 | Yes | $2 | Yes | $5 | Yes | Yes | No | Yes | No | $10 | $30 | $25-$50 | $3 | Yes | ITIN, Foreign Passport | Yes | No | Compare Savings Accounts | ||
| PNC Bank | Foundation Checking | $5 | Yes | $0 | $0 | Yes | $3 | Yes | $0 | Yes | Yes | Yes | No | $15 | $25-$30 | $25-$50 | $2 | Yes | ITIN, Foreign Passport, Other Foreign Government Issued ID | No | No | Compare Savings Accounts | ||
| Sunflower Bank | Achievement Checking | $5 | No | $25 | $0.01 | Yes | $2 | Yes | Contact Branch | Yes | Yes | No | Yes | No | Contact Branch | Contact Branch | Contract Branch | $2 | Yes | N/A | No | No | Explore Savings Options | Loans & Credit |
| U.S. Bank | Safe Debit Account | $4.95 | No | $25 | $0 | Yes | $2.50 | Yes | $10 | Yes | Yes | No | Yes | No | $15-$20 | $25-$30 | $25-$50 | $0 | No | ITIN, Valid Foreign Passport, Mexican/Guatemalan/Dominican/Colombian Consular ID | Yes | No | Savings Accounts | Credit-Building Credit Cards, Personal Loans & Lines of Credit |
| Vectra Bank | $5 | No | $25 | $0 | Yes | $2 | Yes | $8 | Yes | Yes | No | Yes | No | $13 | $25 | $16-$50 | $2 | Yes | ITIN | Yes | No | Personal Savings | ||
| Wells Fargo | $5 | Yes | $25 | $0 | Yes | $3 | Yes | $10 | Yes | Yes | Yes | Yes | No | $15 | $25-$40 | $15-$40 | $0 | No | ITIN, Foreign Passport, Permanent Resident Card, Employment Authorization Card, Foreign Government Issued ID | Yes | Yes | Savings Accounts & CDs | Credit Cards, Personal Loans | |
| Westerra Credit Union | Everyday Money Account | $0 | N/A | $25 | $0 | Yes | $0 | Yes | $3 | Yes | Yes | Yes | No | No | $20 | $20 | $50 | $3 | Yes | Contact Branch | Yes | No | Savings Overview | |
| Zing Credit Union | Clear Card | $0 | N/A | $0 | $0 | Yes | $5 | Yes | Contact Branch | No | Yes | No | No | No | $0 | $20 | $0-$35 | $2 | No | Contact Branch | Yes | No | Savings Accounts | Credit Builder Loan, Secured Credit Card |
NOTE: ACCOUNT FEES, REQUIREMENTS, AND FEATURES ARE SUBJECT TO CHANGE.
All Bank On Accounts are certified to meet the Bank On National Account Standards, which require a free Debit Card, $25 or less Minimum Opening Deposit, $10 or less Monthly Maintenance Fee, no Overdraft or Non-sufficient Funds Fees, and no Account Activation, Closure, Dormancy, Inactivity, and Low Balance Fees. Fees for Closure may apply if the account is closed within the first 180 days of opening.
Early Direct Deposit may only apply to certain eligible direct deposits for accounts that offer this feature.
Accounts designated as a Youth Account on the Bank On Denver Account Comparison Table above are available to individuals under the age of 18 as the primary accountholder, with or without an adult accountholder 18+ years old, dependent on the financial institution Deposit Account Agreement. Accounts not designated as a Youth Account on the Bank On Denver Comparison Table above may allow for a joint accountholder under the age of 18 when the primary accountholder is 18+ years old.
Accounts that have the ability to Earn Interest may be dependent on maintaining a minimum balance in accordance with the specific financial institution Deposit Account Agreement.
You may still still be able to use Zelle for sending and receiving money between friends and family by downloading the Zelle application on your device if an account does not link directly to Zelle in its banking application.
ATM surcharges may apply when you use an out-of-network ATM, even if your financial institution does not charge additional fees for out-of-network ATM use. Out-of-network ATM fees may be higher than disclosed in the Bank On Denver Account Comparison Table above in countries outside of the United States.
You may be required to open your account in person if you are not a citizen of the United States, under the age of 18, or in other circumstances as required by the financial institution.
Visit financial institution for complete details and/or information on second chance opportunities.
To avoid overdraft and non-sufficient funds fees for ATM and one-time debit card transactions, tell your financial institution that you do not “opt-in” for overdraft services.