For Any Financial Scenario

And we mean that. We're committed to finding a checking account that's right for you, with benefits you'll want to brag about.

Hard-to-Beat Checking Features

  • No required opening balance

  • No minimum balance

  • No monthly service fee

  • A free debit MasterCard the moment you open your account

  • Online banking

  • Free online bill pay

  • eStatements

  • Cleared checks archived online

  • Overdraft protection options (not available on uAccount youth checking)

  • Earns you points in our Rewards for Life program

  • CardNav mobile alerts

Bank-anywhere Benefits

  • Mobile banking, including check deposit

  • Access to 30,000 surcharge-free ATMs

  • Nationwide banking via our 5,000 CO-OP branches


Available Checking Accounts

Enjoy incredible APY and impressive rewards.

  • Earn 1.50 - 3.50% APY* on balances up to $15,000

  • ATM fee refunds, up to $28 per month*

  • No minimum balance required

  • No monthly service charge

  • Free debit MasterCard® available immediately when you open your account in branches

  • Deposit checks using your smartphone with free mobile deposit

  • Free withdrawals at over 30,000 network ATMs

  • Account access at 5,000 shared branches worldwide

  • Cleared checks can be viewed online and printed

  • Overdraft protection is available

Dividend Criteria

  • A minimum of 10 debit card transactions must post and clear your account (excluding ATM transactions)

  • You must be enrolled in eStatements (must have a valid email address)

  • Have at least one of the following post and clear your account on a monthly basis:
    • Direct Deposit

    • ACH deposit or ACH withdrawal

    • Online Bill Payment

Annual Percentage Yield (APY) is paid on the portion of the balance up to $15,000 if criteria are met, and 0.05% APY paid on the portion of the balance above $15,000 if criteria are met. No minimum balance required. Available to personal accounts only. No monthly service charge. ATM fee refunds up to $28 per cycle, $4 limit per transaction when criteria are met (does not include international ATM fees). Dividends are compounded and paid monthly. Criteria: (1) Enroll and receive electronic statement; (2) One Direct Deposit, ACH or Bill Pay must post and clear from your account during the qualification cycle; and (3) Ten (10) Debit Card Purchases (excludes ATM transactions) must Post and Clear your account during the qualification cycle. Limit one (1) Extreme Checking accounts per member. Membership is easy, just ask!

Open Account »

You can earn up to $25 a month, just by spending with your Blue debit card! Starting with your 6th debit card (point of sale) purchase, you will earn 5 cents each and every time you swipe your card. On the last day of each month, your rewards will be tallied up and deposited into a Blue account of your choice.

  • No monthly fee

  • No minimum balance

  • No fee for not meeting criteria

  • Free MasterCard debit card

Criteria for Earning Rewards

  • Enrolled in eStatements through our secure online banking

  • Have at least one (1) automatic debit or credit to your account (such as a direct deposit or monthly bill)

  • Complete six (6) or more point of sale purchases each month (first five transactions do not earn rewards)

For Earn 5 checking accounts that satisfy the qualification criteria, the credit union will pay a reward of $0.05 for each debit card transaction in excess of five (5) that are posted during the statement cycle (subject to a $25 maximum reward). Reward payments will be made on the last day of the month. To qualify for rewards, the account must be enrolled in eStatements through online banking, must have at least one automatic debit or credit (such as direct deposit or monthly bill payment), and must make more than five (5) point of sale purchases during the month.

Open Account »

Just the basics, with a few added benefits.

  • No minimum balance

  • Over 30,000 surcharge free ATMs through CO-OP Network ATMs

  • No monthly service charge

  • Free debit MasterCard, accepted at millions of locations worldwide

  • Free online banking and Bill Pay

Reorder Checks »

This account is designed for young members (0-23) who want a debit card and no fees, a perfect account to teach children the responsibilities and benefits of managing their money. (Under 18 years old must have an adult joint owner).

  • No minimum opening or daily balance required

  • No monthly service charges or withdrawal fees

  • Must have e-statements

  • Debit card available

  • Order checks online

  • Deposit any time

  • Courtesy Pay (overdraft protection) is not available on this account

  • Non-sufficient funds (NSF) may still apply if the account balance becomes negative

Open Your Account

  • A parent or legal guardian must be present at the time of account opening

  • You must provide a valid birth certificate along with your valid ID to open an account for a minor

  • Stop by any of our convenient locations in Wyoming or Colorado today!

Must be between ages 0 - 23, overdraft protection is not available on this account, debit card can be issued, must be enrolled in e-statements. 18 & under need adult co-owner. Non-dividend bearing account.

A Health Savings Account (HSA) is an option that allows members to deposit pre-tax dollars to help pay for immediate and future health care expenses tax-free. With an HSA , you can easily pay for your eligible health expenses using our debit card. Best of all, there's no monthly maintenance fee.

HSA Features and Benefits:

  • No monthly maintenance fee
  • Members are able to make tax-deductible contributions and withdraw funds tax-free for qualified medical expenses
  • Members can take their HSA with them if they change employers
  • The balance in an HSA can be carried over to the next year, there is no “use it or lose it”
  • You'll be issued a debit card for easy access to your funds
  • Earn 0.10% APY*on the balances you keep on your HSA

HSA Limitations:

  • Transaction limitations apply, see below
  • HSA is an individual account
  • Joint members cannot be linked or associated to this account type

If you’re looking for more information about opening an HSA, speak with a financial expert or contact us today.

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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.

Contact Us

MoneyMover

After your account has been open for 90 days, you may transfer out of your Blue accounts using MoneyMover.

MoneyMover may not be used to:

  • Transfer money to pay an external financial institution loan

  • Pay a first mortgage loan at Blue

  • Fund a term share certificate or investments account

In addition to MoneyMover, there are other ways to move funds. To learn about your options, call us at 1-800-368-9328 or stop by a Blue branch.

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Everyday Banking

Find an account that fits your financial needs today. Everyday banking is just that—our tools and services to help you manage money effectively each day.

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Member Benefits

Banking with Blue is all about the benefits. Learn why members choose Blue!

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Need Help?

To Blue Federal Credit Union, relationships are everything. If you don’t find what you are looking for in our online Help Center, contact us and we are happy to help.

Online Help Center