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Next-Level Checking Accounts in Denver, CO

Woman hiking with her pets in Colorado, feeling happy to have the best checking account in Denver.

This is Denver, CO: where outdoor thrill meets local chill. The Rocky Mountains make the perfect backdrop for a vibrant local scene, and craft breweries and Broncos Sundays are considered a way of life. Your financial approach should match this Mile-High energy. Whether you’re conquering mountain peaks or soaking in the Red Rocks beats, your money should keep pace. Keep reading while we break down why checking accounts in Denver are a great match for residents.

Checking Account Definition

Before we explore how checking accounts complement your Denver lifestyle, let's first review the basics of a checking account. Essentially, a checking account is a financial hub—a place where your day-to-day transactions flow in and out. There are many ways to use checking accounts. For example, you can:

  • Make purchases with your debit card
  • Visit ATMs to withdraw cash
  • Pay bills online
  • Transfer money between accounts
  • Write and endorse checks
  • Utilize digital check deposit
  • Repay your friends through Venmo

Ultimately, a checking account is the heartbeat of your financial health, offering easy access to your funds WHENEVER you need them!

Why Should Denver Residents Use Checking Accounts?

1. Economic Prosperity in the Mile-High City

Denver is a city on the rise, economically and culturally, and nothing captures the essence of the 303 better. A checking account serves as a flexible financial ally, helping residents manage their finances efficiently while they proudly rep Broncos Country in orange and blue.

2. Outdoor Adventure Meets Financial Freedom

Denver locals embrace the outdoors by taking FULL advantage of the city and its surrounding areas. Checking accounts paired with mobile banking1 provide you with financial flexibility, giving you ample time for your favorite mountain adventure! This makes it easy to transfer funds and check your balance from anywhere. So next time you’re stuck in mountain traffic on a Friday and feeling eager to hit the slopes or trails, you can keep rolling without financial constraints.

3. Local Flavors and Community Focus

Denver is renowned for its local businesses, craft breweries, and farmers' markets. A checking account becomes an instrument for supporting these local endeavors. Many local businesses may offer exclusive deals or rewards for using a local bank, fostering a sense of community through financial choices.

4. Financial Security in Denver's Rocky Landscape

In the heart of the Rocky Mountains, your finances should be rock-solid, not rocky. Checking accounts like ours provide cutting-edge encryption, fraud detection, identity theft reimbursement coverage,2 and identity and dark web monitoring (just to name a few things). In addition, they are FDIC Insured, meaning you can relax and drink that Colorado Kool-Aid knowing your funds are safe and secure!

Denver Checking Accounts: Reaching New Financial Heights

Denver residents can find the best checking account crafted for their individual needs—not a "one-size-fits-all" approach. Let’s explore Academy Bank’s tailored options:

  • Select Rewards Checking* — Ideal for those pursuing rewards, exclusive deals, and even cellphone protection,2 all while embracing the vibrant spirit of the 303. Plus, receive 24/7 roadside assistance2 (ideal for your Colorado adventures).
  • Elite Investment Checking* — Craving top-tier financial performance in the Mile High City? Climb to new heights with an interest-bearing checking account with higher returns based on your balance.
  • Simply Free Checking — Our uncomplicated, unrestricted checking account. This reliable, go-to option is just like putting on your favorite flannel: easy and effortlessly comfortable.
  • Student Checking* — Transitioning to financial independence? This account is tailor-made for full-time students under 23. If you’re studying at Metro State, University of Denver, CCD, or any of any of the other universities in the area, this low-cost student bank account supports you on your financial journey in the Rockies.
  • Business Checking4 — Choose from multiple business checking account options designed to support Denver entrepreneurs, small businesses, and growing companies. 

Finding the right checking account can be a game-changer. Explore our checking accounts today and experience firsthand the financial advantages that Academy Bank brings to the 303 in Colorful Colorado!

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1 Message and data rates charged by your mobile carrier may apply.

2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.

3 $25 opening deposit required. eStatements required.

4 Business checking accounts require an opening deposit and are subject to a monthly service charge. Paper statement fee applies. Closing new accounts within 90 days of opening will result in a $25 early closure fee.

*Opening deposit required.  Monthly service charge applies. Closing new accounts within 90 days of opening will result in a $25 early closure fee.

INSURANCE DISCLOSURE: Insurance products are NOT insured by FDIC or any Federal Government Agency; NOT a deposit of or guaranteed by the bank or any bank affiliate. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.