Checking for everyone

With competitive checking account rates and flexible benefits, there's a Bellco checking account for every lifestyle. Access your Bellco account online, through our mobile app, or at any of our convenient branch locations.

Compare Bellco checking benefits

 

Free Checking

Free Boost Interest Checking

Platinum Checking

Student Checking

A completely free checking account with many benefits.
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A completely free checking account that earns interest for things you already do!
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A Premium account with lots of perks for high balances.
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Specifically tailored for students ages 13-24 with all the benefits of Free Checking.
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Balances Earn Interest

Free Online & Mobile Banking

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Access to over 30,000 surcharge-free ATMs

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Free Visa® Debit Card

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FREE Bill Pay*

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Online Downloads into Quicken®

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Send money to friends or family**

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Deposit checks from your mobile phone

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Monthly Maintenance Fee

None

None

$12†

None

Free Automatic Overdraft Transfers***

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Free Bellco Standard Checks

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Fee Waived On Money Orders, Wire Transfers, Cashier’s/Official Checks

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Minimum Balance Requirement

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Free Boost Interest Checking

Bellco's Boost Interest Checking pays you a higher than normal rate of interest for doing many of the things you already do, such as using your debit card and having a direct deposit.

  • Balances earn interest
  • No monthly maintenance fee
  • Mobile & online banking access
  • FREE bill pay
  • And more

Platinum Checking

One of the finest checking accounts in Colorado that works hard for members who require the best.

  • Balances earn interest
  • Free wire transfers, money orders, & Bellco standard checks
  • Mobile & online banking access
  • FREE bill pay
  • And more

Free Checking

As a Bellco member you can enjoy a free checking account that benefits you, not your financial institution.

  • No monthly maintenance fee
  • Mobile & online banking access
  • FREE bill pay
  • And more

Student Checking

As a student you can enjoy a free checking account that benefits you, not your financial institution.

  • No monthly maintenance fee
  • No hidden fees
  • Mobile & online banking access
  • FREE bill pay
  • And more

Benefits of Banking with Bellco

Shared Branching and ATMs

  • Whether you're from Arvada, Parker or Grand Junction, visit your local Bellco branch and learn how a locally owned, locally managed credit union will change your financial outlook.
  • If you don't live near one of our branches, use our locator to find surcharge-free ATMs and shared branch locations close by.

Debit Card Overdraft Protection and Services

  • Get peace of mind with Debit Card Overdraft Protection.1
  • There are four easy ways to add this feature to your account: online, by phone, in a branch, and by mail.

Direct Deposit

  • Your deposit is automatically transferred into your account with immediate access.
  • You don’t have to worry about checks getting lost in the mail or stolen.
  • Your direct deposit is available the same day it's credited to your account.

Switch Kit

  • Experience the Bellco difference for yourself, it's easy to apply to become a Bellco member.
  • Once your new Bellco checking account is open, you'll follow four simple steps to start enjoying all the free benefits associated with your new checking account.

*There is no fee to use Bill Pay to send payments. Fees may apply for special requests, like check image copies and stop payments. Please review our Truth in Savings & Fee Schedule to learn more about applicable fees.

**You must be 18 years or older to use this service.

***You will need to have a separate consumer savings account or line of credit with available funds in order to transfer the funds necessary to cover an overdraft.

****First box of checks are free.

†Monthly maintenance fee is waived with $15,000 combined balance in deposits and loans (includes a Bellco mortgage). Otherwise, it's $12 per month.

1 We will charge a fee of up to $31 each time we pay an overdraft created by check, everyday debit card transactions, other transactions made using your checking account number and automatic bill payments. We will not overdraw your account and charge you a fee for everyday debit card transactions unless you opt-in to Overdraft Services. Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 14 days. Bellco typically does not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have had excessive overdrafts on your account.

Quicken and the Quicken logo are trademarks or registered trademarks of Intuit Inc.

Visa® is a registered trademark of Visa International Service Association.