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!

      View the Level Up Checking Nitty Gritty.

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      Level Up for Charity

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

      Checking with a philanthropic twist!

      With our Level Up for Charity checking account, your round-ups will be donated to Children's Hospital Colorado via the Canvas Foundation. Oh, and in case we already didn't mention it, after you donate your first $50 we'll match with another $50 donation!

      Interested in learning more about the impact you can make with Level Up for Charity? Check out Children's Hospital Colorado's Fueled by Giving page for more information on how you can help create a brighter future for kids.

      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.
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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
      • New card number? No sweat! Most automatic payments will still get paid when you replace your card.
      • 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 Debit Card 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

      Get Started Now
      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 .

      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). Rates are subject to change at any time.

      *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. Message and data rates may apply. Apple® and Apple Pay® are trademarks of Apple, Inc.,registered in the U.S. and other countries. Google Pay™ is a trademark of Google LLC. SamsungPay® is a registered trademark of Samsung Electronics Co., Ltd. Terms and conditions apply.

      Want to view all the fine print, visit our Disclosures web page.