Bank On Denver Checking Accounts & Prepaid Cards

Bank On certified accounts are publicly available, transactional accounts that meet the Cities for Financial Empowerment Fund’s National Account Standards.

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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Financial InstitutionMonthly FeeWaivable Monthly FeeMinimum Opening DepositMinimum Balance RequirementBranch AccessOut-of-Network ATMBill PayCashier's ChecksOnline/Mobile BankingRemote DepositEarly Direct DepositZelleEarns InterestIncoming Wire TransferOutgoing Wire TransferInternational Wire TransferPaper StatementsOptional Paper ChecksITIN/Alternative IDsLinked Savings AccountsCredit Building Products
Academy BankSafe Spending Account$5No$25$0Yes$2.75Yes$7YesYesNoYesNo$8.75$20-$30$50$2YesITINYesNoCompare Personal SavingsExpress Loan, CD Term Loan, Secured Credit Card
Alliant Credit UnionHigh-Rate Checking$0N/A$25$0No$0Yes$0YesYesNoNoYes$0$25$50$0YesITINYesNoHigh-Rate Savings, Supplemental SavingsPersonal Loans
Alliant Credit UnionTeen Checking$0N/A$0$0No$0Yes$0YesYesNoNoYes$0$25$50$0YesITINYesYesKids Savings AccountN/A
Ally BankSpending Account$0N/A$0$0No$0Yes$0YesYesYesYesYes$0$20$0N/AYesITINYesNoCompare SavingsN/A
Bank of AmericaAdvantage SafeBalance Banking$4.95Yes$25$0Yes$2.50Yes$15YesYesNoYesNo$15$30$15-$45$0NoITIN, Foreign Passport, U.S. Non Immigrant Visa and Border Crossing Card-DSP-150, Mexican/Guatemalan/Dominican/Colombian Consular ID, Canadian Citizenship Certificate CardYesYes

Advantage Savings

Secured Credit Cards
Bellco Credit UnionSimplicity Checking$0N/A$0.01$0Yes$0Yes$5YesYesNoYesNo$20$20$40$2YesN/ANoNoSavings AccountsShare-Secured Loan
BMOSmart Money Checking$5Yes$25$0.01Yes$3Yes$10YesYesNoYesNo$0$30$50$2YesITIN & Foreign Government Issued IDs/PassportsYesNoExplore Savings OptionsBMO Boost Secured Credit Card, Savings Secured Loans, Credit Builder Loan Program
BOK FinancialOpportunity Banking$5No$25$0.01Yes$0Yes$3YesYesNoYesNo$15$30$15+$2NoForeign IDs/PassportsYesNoSavings AccountsSecured Credit Cards
Capital One360 Checking$0N/A$0$0No$0Yes$10YesYesYesYesYes$0$30N/A$0YesITINYesNoSavings AccountsCredit Building Credit Cards
ChaseSecure Banking$4.95Yes$0$0Yes$3Yes$0YesYesYesYesNoN/AN/AN/A$0NoForeign Passport w/Photo, Permanent Resident Card w/Photo, U.S. Employment Authorization Card w/Photo, Foreign National ID, Matrícula Consular CardYesNo

Chase SavingsSM

Slate Edge® Credit Card

Citywide BanksCheck Free Banking$5No$25$0Yes$3.50Yes$12YesYesNoYesNo$12$25-$30$15-$50$2NoN/ANoNoPersonal Savings AccountsMax Cash Secured Card, Secured Card
Commerce BankVelocity Pay$5Yes$0$0Yes$2.50No$5YesYesNoNoNoN/AN/AN/A$0NoN/ANoNoN/A

Commerce Bank Secured Visa®

Discover BankCashback Debit$0N/A$0$0No$0Yes$0YesYesYesYesNo$0$30$30$0YesITIN, Foreign PassportYesNo

Discover it® Secured Credit Card

First Interstate BankSimple Banking$5No$0$0Yes$2.50Yes$8YesYesNoYesNo$10$30$10-$50$2NoForeign PassportNoNoSavings Accounts

Secured Mastercard®

FNBOAccess Debit Account$0N/A$0$0Yes$0Yes$0YesYesNoYesNo$0$15$25-$35$0NoN/ANoNoSavings Accounts

Secured Visa® Credit Card

FNBOFree Checking Account$0N/A$0$0Yes$0Yes$0YesYesNoYesNo$0$15$25-$35$0YesN/AYesNoSavings AccountsSecured Visa® Credit Card
Independent FinancialIntro Checking$4.95No$25$0Yes$1.25Yes$5YesYesNoYesNo$10$25$10-$45$3NoN/ANoNo

Savings & Money Market

N/A
KeyBankHassle-Free Account$0N/A$10$0Yes$3Yes$8YesYesYesYesNo$20$25$20-$45$0NoITIN, Valid Foreign Passport (exception for passports from Venezuela, which may be expired), Mexican/Guatemalan/Dominican/Colombian Consular IDYesNoCompare Savings Accounts

Key Secured Credit Card®

LendingClub

Rewards Checking

$0N/A$25$0No$0YesN/AYesYesYesNoYes$0$0$0N/AYesN/AYesNoLevelUp SavingsPersonal Loans
MidWestOne Bank

Freedom Checking Account

$3.95No$25$0Yes$2Yes$5YesYesNoYesNo$10$30$25-$50$3YesITIN, Foreign PassportYesNoCompare Savings Accounts

Visa Classic Credit Card

PNC BankFoundation Checking$5Yes$0$0Yes$3Yes$0YesYesYesNo$15$25-$30$25-$50$2YesITIN, Foreign Passport, Other Foreign Government Issued IDNoNoCompare Savings Accounts

PNC Secured Visa® Credit Card, Personal Installment Loan

Sunflower BankAchievement Checking$5No$25$0.01Yes$2YesContact BranchYesYesNoYesNoContact BranchContact BranchContract Branch$2YesN/ANoNoExplore Savings OptionsLoans & Credit
U.S. BankSafe Debit Account$4.95No$25$0Yes$2.50Yes$10YesYesNoYesNo$15-$20$25-$30$25-$50$0NoITIN, Valid Foreign Passport, Mexican/Guatemalan/Dominican/Colombian Consular IDYesNoSavings AccountsCredit-Building Credit Cards, Personal Loans & Lines of Credit
Vectra Bank

OnBudget Banking®

$5No$25$0Yes$2Yes$8YesYesNoYesNo$13$25$16-$50$2YesITINYesNoPersonal Savings

Launch Secured Card

Wells Fargo

Clear Access Banking

$5Yes$25$0Yes$3Yes$10YesYesYesYesNo$15$25-$40$15-$40$0NoITIN, Foreign Passport, Permanent Resident Card, Employment Authorization Card, Foreign Government Issued IDYesYesSavings Accounts & CDsCredit Cards, Personal Loans
Westerra Credit UnionEveryday Money Account$0N/A$25$0Yes$0Yes$3YesYesYesNoNo$20$20$50$3YesContact BranchYesNoSavings Overview

Share Secured Visa

Zing Credit UnionClear Card$0N/A$0$0Yes$5YesContact BranchNoYesNoNoNo$0$20$0-$35$2NoContact BranchYesNoSavings AccountsCredit 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.