PERSONAL BANKING
Checking that Works for Your Life
At Blue Federal Credit Union, checking accounts are built around real people, real goals, and real communities. Whether you are opening your first account, managing a busy household, or looking for a better alternative to big banks, Blue offers flexible checking options designed to help you move forward with confidence. Blue has a checking solution for any financial scenario—and we mean any. We’re committed to finding a checking account that’s right for you, with benefits you’ll want to brag about.
Find the Right Checking Account for You
Everyday Banking Doesn’t Have to be Ordinary. Blue offers checking solutions designed for different life stages and financial needs. All accounts include access to our Anywhere Banking Tools and local support from a team that puts members first.
NOVA Perks™ Checking
NOVA Perks™ checking gives you more than everyday banking. Members enjoy premium benefits like local and national discounts, roadside assistance, cell phone protection, identity theft aid, and digital banking tools — all designed to help you save more and stress less. With Elite and Premium options available, NOVA Perks™ combines convenient banking with rewards and protections built for real life.
Basic Checking
Everyday Basic Checking is designed to keep banking simple, flexible, and accessible. Enjoy digital banking tools, a Visa® debit card, nationwide CO-OP ATM access, and convenient account management features that help you stay connected to your money wherever life takes you.
uAccount Youth Checking
uAccount Youth Checking helps young members build smart financial habits with a simple, easy-to-use checking account designed for everyday spending and saving. With debit card access, online banking tools, and no monthly service charges, it’s a great way to start learning money management with confidence.
Banking Anywhere Benefits
Mobile banking, including mobile check deposit
Secure, on-the-go access to your accounts
Access to 30,000 surcharge-free ATMs through the CO-OP network
Direct Deposit Services
Fast and convenient access to your money — Funds are deposited automatically into your account on payday.
Free Visa® Debit Card
Tap, swipe, and shop securely with a debit card built for everyday convenience and backed by Visa® protection.
Digital Wallet
Digital wallet lets you securely store your Blue debit or credit card on your mobile device, making it easy to pay with just a tap or click.
Hard-to-Beat Checking Features
No required opening balance
No minimum balance requirement
Free Visa® debit card available at account opening (in branch only)
Direct Deposit available
Online and mobile banking with free Bill Pay
Convenient eStatements and online check access
Overdraft protection options available
Not available on uAccount Youth Checking
Fraud monitoring and account alerts
Easy check reordering services available
Let’s Get You Started
Build Your Savings Automatically
Smart Cents Savings
Smart Cents Savings is a really easy way to build up your savings balance. Our Smart Cents program is available for free with any Blue checking account.
Here’s how it works:
- Purchases made with your Blue Debit Card are rounded to the nearest dollar amount
- The difference will be transferred automatically from your checking account to your savings account (or specified account) at the end of each day
- Track your savings in online banking
To enroll your account today, visit any of our conveniently located branches or contact us.
Move Your Money
After your account has been open for 90 days, you may transfer out of your Blue accounts using Move Money
- Transfer up to $5,000 in a rolling 30-day period
- Transfer up to $5,000 a day from external checking and savings accounts
In addition to Move Money, there are other ways to move funds. To learn about your options, contact us or stop by a Blue branch.
Your Membership Has Community Impact
When you join Blue, you become part of something bigger. Your membership helps fund scholarships, grants, and programs that strengthen communities across Wyoming and Colorado.
The Blue Foundation
An independent 501(c)(3) nonprofit founded to champion, fund, and celebrate local causes that keep communities strong, financially stable, and healthy.
The Boost Center by Blue
Opened in 2024 in Cheyenne, Wyoming, the Boost Center connects people with trusted nonprofits focused on housing, education, and economic opportunity.
Blue in the Community
Blue participates in, hosts, and supports programs and events all across Wyoming and Colorado. Our employees receive paid time off to volunteer — because giving back is part of who we are.
FAQs
What do I need to open a checking account?
Typically you will need a valid Federal photo ID, Social Security number, and basic contact information. You can open many accounts online in minutes.
Does Blue offer free checking?
Yes. Blue offers a Basic checking option with no monthly service fees as long as you keep the required balance or do the minimum amount of transactions.
Can I open a checking account online?
Yes. Members can apply online anytime or visit a local branch for personalized assistance.
Are Blue checking accounts federally insured?
Yes. Accounts are insured up to applicable limits by the NCUA.
Does Blue offer checking accounts for teens or students?
Yes. Uchecking to help young members learn strong financial habits early.
Where can I access my money without ATM fees?
Members have access to thousands of surcharge-free ATMs and shared branches nationwide. Check for the Coop shared branch logo.
Where can I find information about Overdraft and NSF fees?
You can view information concerning overdraft, NSF, courtesy pay and protect-a-check on our Overdraft Protection page.
What if I don’t have enough money in my account to cover a transaction
If you don’t have enough money in your account, one of two things may happen. If Courtesy Pay covers the transaction, it will be paid and you’ll be charged an overdraft fee. If the transaction is returned unpaid, you may be charged a Non-Sufficient Funds (NSF) fee instead. You can view information concerning overdraft, NSF, courtesy pay and protect-a-check on our Overdraft Protection page.
Still have questions?
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