Checking

        Want it free? Paperless? Or interest earning? We make managing your daily finances easy and convenient, and check writing is optional. Pay bills, transfer cash, and buy stuff on the go with our Online & Mobile Services.

        Level Up Checking*

        It's time to Level Up your checking & savings game! With simplified savings, free $50, and free ATMs, this is definitely the checking account you've been asking for!

        Level Up for Simplified Savings

        We heard you loud and clear. Life pulls you in many directions and you’re too busy to stress about saving money. Don’t worry, we’ve got your back with Level Up Checking! Check it:

        • Round up feature to send your spare change into savings.
        • Free $50 after you save an initial $50 in round up change.
        • 5 free non-Canvas/non-CoOp ATM transactions per month.
        • Turbo boost your savings game with a 2x or 5x multiplier.

        Level Up for Charity

        This checking account is everything you love about Level Up, with a philanthropic twist! Instead of rounding up your change into savings, that money is donated to the Children’s Hospital Colorado via the Canvas Foundation. Plus, after you donate your first $50 we'll match that with another $50 donation!

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        Transform your small change into a big impact!

        With our Level Up for Charity checking account, your round-ups will be donated to Children's Hospital Colorado via the Canvas Foundation, benefiting kids like the 2019 Children's Hospital Colorado Patient Ambassadors!

        Free Checking Account

        Free means FREE

        Canvas Free Checking is just the ticket for managing your daily cash flow.

        • NO monthly service fees--nada, nichts, niente!
        • NO minimum balance, just keep it positive, please.
        • $50 to open. Let the transacting commence.
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        Interest Checking Account

        Best Rate APY

        Put your hard-earned money to work with our Canvas Interest Checking Account.

        • A $500 balance waives the fees and keeps that interest-earning engine roaring.
        • $500 and it’s open sesame.
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        Mobile Checking Account

        Lean and Green

        When was the last time you wrote a check? Go paperless with our Canvas Mobile Checking Account.

        • Forget the fees when you opt into eStatements ($3/month with paper).
        • NO minimum balance. None. You’re in control here.
        • $50 opens this mobile miracle of financial freedom.
        • FREE Bill Pay – because paying bills is awesome.
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        Free Debit Mastercard®

        This little security-chipped wonder comes free with all Canvas Checking Accounts.

        About Your Debit Mastercard®

        • No annual fee
        • FREE transactions at all Canvas Credit Union ATMs
        • Ten FREE transactions per month at more than 30,000 CO-OP ATMs nationwide
        • Instant Issue available at 17 Canvas Credit Union Branches (fees may apply for replacement cards)
        • Use your Canvas Debit Card with virtual wallets ApplePay®, Google Pay™, & Samsung Pay®

        The Benefits of Mastercard®

        • Accepted at millions of locations worldwide
        • Extended warranty, Price protection, Purchase assurance, & Satisfaction guarantee for secure shopping experiences
        • Mastercard Global Services™ & concierge options providing personal assistance
        • Mastercard ID Theft Protection™ & Zero Liability to protect your personal info
        • Fuel Rewards Network™ Program
        • Optional SecureCode™ for safe online shopping
        • For full details download the Mastercard Guide to Benefits (PDF)

        Online & Mobile Services

        Manage your money on the go, any time, with our Canvas App.

        Face & Touch Login

        Make transactions easy and secure with Face ID, Touch ID, and Fingerprint Authentication.

        Personal Info Updates

        Update your personal info, such as address, email, or phone on the go.

        Debit & Credit Card On/Off

        Turn off lost or stolen cards immediately, and back on if found.

        Know Now with Account Alerts

        Whoa! What’s this $100 withdrawal? Setup custom alerts sent to your phone or email.

        Get Your FICO Score

        Stay up-to-date on your credit by having on demand access to your FICO Score.

        eStatements & Tax Documents

        Get up to 24 months of eStatements and tax documents for your accounts.

        Remote Deposit Capture (RDC)

        Make RDC your new BFF. Deposit checks with your mobile device just by taking a picture.

        Transfer Funds

        Get it all done on the go. Internal, external, and person-to-person transfers.

        Compare Our Checking Options

        Select the checking account that’s best for you.

        Checking Accounts

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        The Details Free Checking Interest Checking Mobile Checking Level Up Checking*

        Minimum to Open
        $50 $500 $50 $25 Minimum deposit required to open an account.

        No Monthly Service Fee
        Interest Checking: $10/mo if min balance is less than $500.
        Mobile Checking: Opt to get eStatements and we’ll waive the $3/mo fee.

        No Minimum Balance
        Interest Checking: $500 min balance to avoid monthly fee.

        Level Up to Your Savings*
        Our Level Up Checking rounds up every purchase to the nearest dollar and deposits the difference into your Canvas Savings Account. And, when you hit $50 in Level Up savings, we’ll match you with $50. That’s FREE Money!*

        Earn Interest
        Interest Checking Rates: $500-$9,999.99= APY , $10,000-$24,999.99= APY , ≥$25,000 APY .

        Free Online Bill Pay
        Free & Interest Checking: Make 3 Bill Pay payments per month and we’ll waive the $3.95/mo fee.

        24/7 Access
        Anytime access using our Online & Mobile Services. Download the Free Canvas App at the Apple App Store or Google Play.

        Fee-free ATMs
        60+ fee-free Canvas ATMs in Colorado. 10 free per mo at 850+ Colorado and 30,000 U.S. CO-OP ATMs. Can't find a fee-free ATM? Our Level Up Checking will refund 5 ATM transactions per mo.*

        CO-OP Shared Branches
        26 Canvas Branch locations & 200+ CO-OP Shared Branches in Colorado.

        Free eStatements
        Go paperless, login to Online & Mobile Services and opt to get eStatements.

        Free Debit Mastercard®
        Get the benefits of Mastercard® including ID Theft Protection and Fuel Rewards.

        Overdraft Protection
        Avoid declined items and fees with our Overdraft Line of Credit. Approved credit required.

        Virtual Wallets
        All Canvas Debit Cards work with Apple Pay®, Google Pay™, & Samsung Pay®.

        APY is Annual Percentage Yield (APY). Early withdrawal penalties and other fees may reduce earnings. Rates are subject to change at any time. Canvas Credit Union membership is required.
        *Level Up Checking Nitty Gritty. Canvas refunds up to five (5) non-Canvas ATM fees per month for the Level Up Checking Account. If you have multiple Level Up Checking Accounts associated with your share account, only the first five (5) ATM transactions per month will be refunded. Excludes international ATM fees. Level Up means that when you use your debit card, the transaction will be rounded up to the next full-dollar amount, and then at the end of each business day, the accumulated amount from each of your transactions will be transferred from your Level Up checking account to one of your Canvas savings accounts as a single transaction. Alternatively, you may choose to have your round-ups automatically donated to the Canvas Foundation, which is a 501(c)(3) organization. Your round-ups may be multiplied (i.e. you can choose 1x, 2x, or 5x). Both signature-based and PIN-based debit cards transactions qualify for round-ups; ATM transactions or cash withdrawals at a merchant do not qualify for round-ups. The Level Up service is the default setting on each Level Up checking account, but you may opt-out at any time. Canvas may cancel or modify the Level Up service at any time. On any business day, if any of the following occurs, the daily round up transfer will not occur for that business day: the checking account lacks sufficient available funds for the daily transfer to occur; or if any transaction has overdrawn the checking account.
        Want to view all the fine print, visit ourDisclosures web page.

        Become a Member

        Leave the banking to us. Join today. Go live.