More for you. That’s what we’re all about at Zing Credit Union!
Right now, for a limited time, you get $3001 when you open a Preferred Checking Account with qualifying direct deposit.
That’s right Generation Zing! Whether you’re opening your first checking account or your 50th, you’re about to get a big bonus to your balance!
Preferred Checking
All the latest tools and features to help you crush your financial goals and $300 to bring some extra energy to the journey.
No minimum balance requirement
We never charge fees for something as silly as keeping a low balance.
Visa® Debit Card
Friendly, local credit union. Internationally accepted debit card.
Direct Deposit
Save time each month by signing up to get your paycheck sent straight to you.
Overdraft Protection2
Worried about an accidental overdraw? Add this to your account for peace of mind.
100% electronic access
If you prefer to handle everything electronically, that’s 100% great with us.
Automatic savings
Opportunity for automatic savings when you open our
Mile High APY Account.3
Plus, the help of our passionate local experts to keep you on the fast track to financial wellness.
Your Path is Here
We’re committed to providing real solutions and real financial progress for everyone. Even if you’re starting from scratch and finding your new beginning, Zing Credit Union knows just how to help.
Beyond Ordinary Banking
Leaving a legacy, chasing down big dreams, and living extraordinarily doesn’t come from ordinary banking. Zing Credit Union, right here in Denver, brings you so much more than that. This special offer is just a taste of what it means to be a part of Generation Zing.
First-timers, legacy builders, and seasoned savers. Open online today and make Zing Credit Union your home.
Open your preferred checking account and get your $3001 bonus!
Personal & Business Banking | Credit Union in Colorado Disclosures
1 Must be eligible for membership by living or working in Adams, Arapahoe, Denver, or Jefferson Counties, be a family member of a current
member, or be a member of the Go West Foundation. Use promo code ZING to bypass the fee on the Friends of the Foundation form. Membership
share account is required with a minimum $5 opening balance. Must be 18 or older. Must use promo code GENZING on the online member
application to qualify. If applying for membership in a branch, please present this offer. Must open a checking account with a debit card and recurring direct deposits totaling $1,000 or more within 90 days. Account must be open and in good standing at the time of qualification to receive $300 new member incentive. $300 new member incentive will be deposited to the share account within 100 days of account opening. Subject to taxation. May not be combined with other offers. Employees and volunteers of Zing Credit Union are not eligible. Promotional period ends August 31st, 2026 Zing Credit Union reserves the right to modify or end this promotion at any time without notice.
2 Overdraft protection is subject to credit approval.
3 APY is Annual Percentage Yield.
4 Must have a Zing Credit Union personal checking account with a debit card, e-Statements, $500 ACH direct deposit to the checking account, a valid email address on file, and make 30 or more debit card retail or online purchases (does not include ATM transactions) per month to qualify for 5 Buck Club rewards ($5 back, reversal of Out-of-Network ATM fees, and reversal of excessive PIN transaction fees). Qualifying transactions and direct deposits must post and settle to the account during the month’s qualification cycle. The Qualification Cycle” is the period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Must have online or mobile banking to enroll in e-Statements. Must be a member in good standing with no bankruptcies or charge-offs. $5 reward will be deposited to the member’s checking account on the last day of the month. Must request 5 Buck Club to be added to the checking account. $5 bonus is subject to taxation. Out-of-Network ATM fees will be refunded up to $5.00 per transaction up to $25 per year. Out-of-Network ATM fees only apply to ATM transactions made from the checking account. Must meet all 5 Buck Club requirements for the month to qualify for Out-of-Network ATM fee refunds and for Excessive PIN Transaction fee refunds for fees incurred during qualification cycle. Up to $24 in excessive PIN fees will be refunded per year. Zing’s excessive PIN fee is $3.00 per PIN based transaction after the first 10 PIN based transactions per month. (See rate and fee sheet) Must meet all 5 Buck Club requirements for the month to qualify for Excessive PIN Transaction fee refunds for fees incurred during that month.
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TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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