No. You only need an active membership account.

To get started, use either Desktop or Mobile Banking.
New Users will need to register their account through the "New User" login button.

Existing Digital Banking members will need to login using their Username (not account number) and establish a new Password. (See below) 

Joint Owners will need to follow the same steps to establish their own login credentials. 

Step-by-Step Registration Instructions:

New users select 'New User' within the login box on our website or in the mobile app.

​Ready to log in? Important steps! 

To make our digital banking experience more secure, the username and password has an 8 character minimum. You will be prompted to reset your password upon logging in.

1. Username: The username needs to be 8-40 characters and can contain letters, numbers, and special characters
    
2. Password: The password minimum is 8 characters and requires an uppercase, number, special character and lowercase
    
3. Biometric authentication: Fingerprint and facial recognition will only become available once you’ve completed set-up
    
4. Choose your two-factor authentication method: Text, email, call me. (Extra security level to keep your accounts safe.) 
   Enter your two-factor authentication code and click verify
   You will then be asked to verify your contact information 

Don’t forget!  No one should ever ask for your credentials so they can conduct transactions or activity on your behalf. If you have been asked for this information, cease communication, and let us know immediately at 303.234.1700.

When experiencing an error message, try the following steps before contacting us:
1.    Clear the cache, reload, or refresh.
2.    Close the browser/application.
3.    Retry.
After trying this and you still continue to receive the error message, contact us by using this secure email portal, or call us at 303.234.1700 | 800.279.3288.

Important: When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, etc.).

To show us the exact error message that you are receiving, display the error message on your screen and take a screenshot on your device.

1. Username: Must be a minimum of 8 characters, can contain letters, numbers, and special characters.
2. Password: Must be a minimum of 8 characters and requires:
   • Uppercase letters
   • Lowercase letters
   • Numbers
   • Special characters

For both Online and Mobile Banking (Digital Banking):

Click the “Forgot Username or Password” option. 

Username: You'll be asked to verify your identity using your Member Number, SSN, birth date, and email.

Password: Verify your Username, SSN, and zip code. 

Yes. After 3 invalid login attempts your account will be locked. You can unlock your account by selecting "Forgot Password" and follow the prompts. It will require your two-factor authentication in order to reset. 

You can unlock your account by selecting "Forgot Password" and follow the prompts. 

For your security, your account is locked if you have incorrectly entered a password too many times in a row.

These are some SECURITY BEST PRACTICES:

• Don't use common information, create a strong password using lowercase, uppercase, number, and special characters.
• Change your password every 90 days.
• Use different passwords for different sites.
• Don’t share or leave your login credentials accessible to others.
• Don’t click on unfamiliar links or websites.
• Don’t reply to unfamiliar emails requesting information.
• Don’t open email attachments unless you are expecting them.
• Don’t give out previous passwords via email, phone, text or mail.
• Treat your Smartphone like a computer and protect it with anti-virus software.
• Use the Keypad lock or phone lock function of your mobile device when not in use.
• Delete text messages, emails, and other sensitive information before loaning out or selling your mobile device.
• Avoid storing passwords or other sensitive information on your mobile device where it could be discovered if your device is lost or stolen.
• Never disclose via text message, phone call or email your personal or financial information
  • Account numbers
  • Passwords
  • Social Security Number
  • Date of Birth
• Avoid using public WiFi.
• Consider your WiFi and Bluetooth connection settings (even at a trusted retailer), fraudsters can spoof the name of reputable hotspots.
• Download the most recent versions of apps and keep them updated.
• Keep your operating systems updated on each device. 
• Sign off when you are finished using the Credit Union of Denver app rather than just closing it.

No, funds are not available immediately. Once the deposit has been completed, that information is sent to the credit union electronically. The electronic deposits will be posted several times during normal business hours by Credit Union of Denver. Once the deposit has been posted to your account the funds are still subject to Credit Union of Denver’s and Regulation CC check holds. The maximum deposit limit per check is $2,500.

Yes, please keep the check for 90 days.

The deposit will not appear in your Digital Banking transaction history until it has been posted. To check the status of the mobile deposit, go into your Digital Banking, then click on mobile deposit and finally click on mobile deposit history. Here you can see if your deposit is pending, accepted, or rejected.

Yes. You can view the front and back images of your cleared checks through Digital Banking.

Yes, unfortunately there are some accounts that are restricted from mobile deposit. If you have received this error message your account has been restricted. Restricted accounts include:

• Accounts less than 30 days old
• Business Accounts
• TTM Accounts
• Accounts deemed ineligible by C·U·D

If you do not fall under any of the categories listed above and you are still getting the same error or any other error, please contact us at 303.234.1700 | 800.279.3288

The ways that you can notify us that you are planning to travel are:

1. Within Digital Banking under Card Management you'll find "Travel Notices". Follow the prompts for each card you'll be using while you travel.
2. Or give us a call at 303.234.1700 and we will make a note of your trip on your account to ensure you do not have card access interruptions while traveling. 

Yes. As long as you have your credentials, you can access your accounts online 24/7 from anywhere, anytime where you have Internet access.

Yes. The mobile app is available for download in most countries.

Call-24 is our 24/7 automated telephone banking where you can hear when deposits or withdrawals were made, transaction history, make a loan payment and more. To use this service call 303.231.9014 | 800.951.9014 Follow the prompts to learn more about your account status. 

You can sign up for Call-24 by visiting a Credit Union of Denver Branch or phoning our Call Center at 303.234.1700 | 800.279.3288

• Call-24 Quick Reference Guide

f you have forgotten your Call-24 PIN, please contact the Credit Union.
If you would like to change your access code (Call-24 PIN), please call 303.231.9014 | 800.951.9014, carefully listen to the prompts for guidance. Use the reference guide for faster access.

The online platform will step you through setting up your Bill Pay, however, if you would like to see our step by step process, we have made an easy tutorial for your viewing pleasure.

No, Credit Union of Denver cannot process any bill payment outside of the US.

Yes, we recommend using Zelle within Digital Banking. Make sure you have the Payee's email or mobile number linked to their Zelle account. 

No, only payments going to payees who accept electronic payments go electronically. If the payee does not accept electronic payments, the payment will be sent as a physical check.

Once you have logged into your Digital Banking:

Under Move Money: Choose "Make a Transfer" or "Add Account"
"Make a Transfer" shows you all possible accounts you can use.
"Add Account" allows you to import an external financial account.

This allows you to move money from both inside and outside Credit Union of Denver. 

Yes. Once you have logged into your Digital Banking:

Under 'Move Money' choose "Add Account" and select "Link to another C·U·D member's account". 
You will need the recipient's information and account details to complete the transfer.

There are no limits in place for Cross Account, Account to Loan transfers or transfers to internal accounts.

Using Zelle - Up to $500 per transaction & max of $1,000 per day
Bill Pay - Up to $5,000 per transaction & max of $10,000 per day
ACH - (transfers from internal to external & external to internal accounts)
            Up to $2,500 per day & max of $10,000 per month
Line of Credit - Open end loan advances will depend on the available balance.

Yes, external transfers may be facilitated through Digital Banking. 

The only way to export data from your C·U·D account is to use the export feature within Digital Banking.

1. To export your transactions, go to Accounts, then click on Export.
2. Choose the account you would like to export history.
3. Select your Export format and click export.

No. Once you have logged into your Digital Banking, you will have several options.

Under Move Money: Choose "Make a Transfer" or "Add Account"
"Make a Transfer" shows you all possible accounts you can use.
"Add Account" allows you to import an external financial account.

Zelle allows you to make payments to people you know easily and within minutes. 

This allows you to move money from both inside and outside Credit Union of Denver. 

Up to 1 year of transactions may be viewed. If you have eStatements, you may be able to view all your previous transactions contained within.

Quicken and QuickBooks only. Checking, Savings, Credit Cards and Lines of Credit accounts are eligible for export either in a QFX (Quicken), QBO (QuickBooks), or CSV file.

Credit Score & More is a comprehensive credit score program offered within Credit Union of Denver's Digital Banking to help you stay on top of your credit.

You get your latest credit score and report, an understanding of key factors that impact the score. Credit Score also monitors your credit report daily and can communicate to you if there are any big changes detected such as: a new account being opened, change in address or employment, a delinquency has been reported or an inquiry has been made.

You can access your TransUnion Vantage Score from the “Credit Score & More” option in Digital Banking.

No. Credit Score & More is a free benefit and no credit card information is required to register.

As long as you can access Digital Banking, your credit score will be updated every month and displayed.

Since this is considered a soft pull, and therefore will not affect your credit score, you can click “refresh score” as frequently as every day. Log into Digital Banking and select refresh where is lists Credit Score & More.

There are three major credit-reporting bureaus - Equifax, Experian, and Transunion - and two scoring models - FICO or Vantage Score - that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad is Below 500.

They use bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

The Credit Score & More, powered by Savvy Money, makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage every user to “File a Dispute” by clicking on the “Dispute” link within the Credit Report which is housed in Credit Score & More. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

Yes. This service will monitor and send an email alert when there has been a change to your credit profile.

Yes, we can receive payroll deduction and direct deposit from participating employers and government institutions.

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Yes, you can request direct deposit funds to be distributed to an unlimited number of Credit Union of Denver accounts on which you are a joint owner or co-borrower.

The distributions will take place after we receive your direct deposit. This usually takes two pay periods to begin.

Your funds will be deposited as soon as we receive the fund from your employer or funding source.

You can access all of the statements that have been generated since account opening.

No. They will be mailed out automatically to the address on file, but once you call C·U·D, we can securely email them to the email address on file.

It is important to use the most up to date browser when trying to retrieve and review your eStatements. Please ensure your device has a PDF reader enabled. Instructions for downloading and enabling a PDF reader can be found here. If you are using Chrome or Safari, you may need to clear your browsing data. Instructions can be found here on how to clear cookies & history.

If, after you try these steps, you are still experiencing issues, please contact us on our secure email or call us at 303-963-1333 | 1-800-279-3288 ext 1708.