Everything a bank does, simply not done for profit...

Simplicity in Transactions

Open to All of Colorado

From electronic tools to free transactions, ACU has everything you need. Contact us for any additional questions!

Totally Free Checking

Rewards Checking Options

No Minimum Balances

No Upkeep Fees

Protective Overdraft Services

$wipe and $ave for Automated $avings

Smart, simple, straightforward. Life is complicated enough, checking accounts don't have to be.

Arapahoe Credit Union built our checking accounts to serve our members' needs - and that means no transaction fees, no balance requirements, access to over 30,000 nationwide banks and ATMs. We offer comprehensive overdraft protection options, and our accounts are 100% covered against fraud. What more could you ask for?

Rewards - that's what more you could ask for! Don't worry, Arapahoe CU has you covered there, too! With Cash-Back Checking or our Money Market accounts, you won't just be storing money - you'll be earning it. If that's not enough to convince you, every account opened at Arapahoe Credit Union is a donation in support of The Humane Society of the South Platte Valley!Close

Free Debit Card

100% Fraud Coverage

Free Virtual Suite for Payments and Transfers

ACU's free debit card is chip-enabled, and 100% transaction secured. With fraud protection and a new, expanded virtual suite, an ACU debit card is an easy choice for convenience and peace of mind!Close

Account Alerts

AcU transfer- Person to Person Transfers

AcU billpay- Automated Bill Management

The ACU Virtual Suite is a secure set of comprehensive account management tools. Automate your bills, manage and track your finances, and even make and request payments to friends. Arapahoe makes it easy - and free! All of our mobile apps are available for free download in the app store of your choice! Close

Transaction Peace-of-Mind

Variable Limits

Purchase Flexibility

Overdraft accounts are the simplest way to ensure that you never pay an overdraft fee again, and unlike other places, this is dollar for dollar coverage. Overdraft accounts function as a short-term loan, to cover the amount that your account would be overdrafted by, however, we don't charge any additional interest for this service. Protection you need, without paying for anything extra that you don't! It's that simple. .Close

Forms, Important Information, and More

Direct Deposit Form

Order Debit Card

Enroll in $wipe and $ave

Disclaimers and Legal Stuff
Arapahoe Credit Union is a not-for-profit, community institution that prides itself on working with our member as individuals. We will work to get you every possible benefit and feature we can. However, products are subject to possible fees and approval. All savings are insured by the NCUA to $250,000. Our standard checking is free. However, fees may apply for additional services such as courtesy pay. Fraud coverage is generally set at 100%, but you will need to let us know within 60 days to ensure we can recover your money! Restrictions may apply.

Please note that an overdraft loan product is different than courtesy pay and provides a number of advantages. However, it is subject to approval. Loan limitations and restrictions may apply.

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Disclaimers

Courtesy Pay: Covering payments by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union. This privilege for consumer share draft accounts will be limited to a maximum amount of $2,000 (or less, depending on approved limit) balance in the negative. Transaction types that are eligible for courtesy pay include and are limited to: ACH transactions, debit card transactions, and drafts (checks). You must bring your account balance to a positive balance within every 30-day period for a minimum of 24 hours to remain eligible. The credit union, at its sole discretion, can cancel this protection, and cease paying overdrafts at any time without prior notice of reason or cause. Approval is required before being allowed this service. Additionally, this is an "at-will" program. You may opt-out of coverage at any time by contacting the credit union and providing written instructions if necessary. Of note, we offer several levels and various limits to this service (e.g. use for all transactions or just ACH/ check options). To discuss this service or help us customize it for your needs, please contact us. For full information, restrictions, policies and practices regarding Courtesy Pay, please tap or click here.

All insurance and investment services are provided by third party companies. While trusted, they are independently operated and subject to their terms and conditions. Products advertised may not be federally insured or considered obligations or to be guaranteed by Arapahoe CU or any affiliated entity. Investments you make involve risks and may lose value including the possible loss of principle investment.