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Checking Accounts

NCCU offers several types of checking accounts to fit your lifestyle:  

Read our checking account brochure for more information.

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Green Checking

Green Checking is a FREE checking account designed for people who use electronic banking and debit cards*, so it makes sense to sign up right away! Why should you make the switch? Everyone likes free stuff, and that's exactly what you get with a Green Checking Account.

Account Details

*Overdraft Protection required with debit card. **After 5 written checks, your account will be charged $0.50 per check.

Details on Green Checking Accounts

Millennium Checking

Millennium Checking is an interest-bearing account that earns you money for keeping a high minimum balance.

Account Details

  • 53,000 FREE ATMs nationwide for your debit card
  • No monthly service fee (if balance stays above $1000, otherwise $10/month)
  • $1000 minimum balance
  • FREE Online Banking
  • FREE Mobile Banking with our NEW NCCU Mobile App
  • FREE eStatements
  • FREE Debit Card with Overdraft Protection*
  • UNLIMITED check writing
  • Interest-bearing account**

*Overdraft Protection required with debit card. **Interest earned based on your average daily balance above $1000 and whether account balance stays above the required $1000 minimum balance.

Current Rates

Classic Checking

If you like to write checks and need to get paper statements, Classic Checking could be the right choice for you.

Account Details

*Overdraft Protection required with debit card.

Youth Checking/Free Student 

Did you know that NCCU has a FREE checking account for Students and Youth ages 13-24? That's right! You can also take advantage of low fees and great rates (especially auto loan rates) that come with your Northern Colorado Credit Union membership. Whether you're a student or not, it's a great way to get started on a career of saving and managing your finances.

Features for All Accounts

Overdraft Line of Credit

Never worry about bouncing a check again with our low interest rate overdraft line of credit (see loan rates for current APR). Plus, have access to a quick short-term loan whenever you need it. We offer lines of credit as high as $25,000 on approved credit (OAC).

Overdraft Line of Credit Disclosures

Mastercard Debit Card

Available with our checking accounts on approved credit (OAC). Read our Debit Card information for more details. To obtain Courtesy Overdraft coverage, you must opt-in to have this feature for your debit card.

Online Banking

Online Banking services are FREE with all checking accounts.

Reorder Checks

Please Contact Us to reorder checks.

Online ATM Locator

As a member of the Co-Op and MoneyPass networks, you now have access to over 53,000 ATM locations nationwide that are surcharge-FREE to our debit card users. Find a surcharge-free ATM near you!