Denver Metro Business Banking at Zing Credit Union Business
Checking, Loans, and Resources for Colorado Entrepreneurs
Zing Credit Union has been serving Denver Metro businesses and families since 1934. As a nonprofit, member-owned financial cooperative, Zing reinvests earnings directly into its members through lower fees, competitive loan rates, and personalized business support that national banks simply cannot match. Whether a business is launching for the first time or scaling to new heights, Zing provides checking accounts, savings products, business loans, commercial real estate financing, and hands-on expert guidance, all backed by the safety of National Credit Union Administration (NCUA) federal insurance.
This guide covers everything Denver Metro business owners need to know about Zing’s business banking products, lending programs, community partnerships, and how Zing compares to the largest banks in the region.
Why Denver Metro Business Owners Choose Zing Credit Union
Unlike national banks that answer to shareholders, Zing Credit Union is owned by its members. Every dollar deposited stays in the Denver Metro community, funding loans for neighboring businesses and keeping local economies strong.
Lower fees, higher value
Zing’s Simply Business Checking charges just $5/month—waived entirely with a $1,000 average balance—and includes 200 free transactions per month.
Interest-earning checking
Get help beyond banking: partners, education, local resources
Nonprofit, community-first structure
Zing has been recognized as one of the 50 most civic-minded companies in Colorado. Profits go back to members, not Wall Street.
Dedicated business experts
Zing business members receive personalized guidance, bilingual services, and direct connections to community resources and lending partners.
Nationwide ATM access
Zing members can use over 30,000 ATMs nationwide through the CO-OP ATM Network, rivaling the reach of the biggest national banks.
Federally insured
All Zing deposits are insured up to $250,000 per account by the NCUA—the same level of protection offered by FDIC-insured banks.
Meet Maria, Your Denver Business Advisor
When you open a Zing business checking account, you’re not just getting banking, you’re gaining access to dedicated support from Maria Sanner, our Business Services Program Director. With expertise in business banking and fluency in both English and Spanish, Maria provides personalized guidance tailored to your goals. She’s actively involved in local mentorship programs and is passionate about helping Denver entrepreneurs succeed. It’s expert support you can actually talk to—whenever you need it.
Maria Sanner, Business Services Program Director
| Effective 1/1/2021 | Simply Business Checking | Premium Business Checking |
|---|---|---|
|
Monthly Fee, if minimum balance is not met. |
$5.00* |
$15.00** |
|
Minimum Balance to Waive Monthly Fee |
$1,000.00 |
$5,000.00 |
|
Number of Free Monthly Transactions |
200 |
200 |
|
Excess Transaction Fee (201-400) |
$0.35 |
$0.25 |
|
Excess transaction fee (400+) |
$0.35 |
$0.15 |
|
Annual Percentage Yield (APY*) |
||
|
$0 - $999.99 |
|
|
|
$1,000.00 - $4,999.99 |
|
|
|
$5,000.00 - $9,999.99 |
|
|
|
$10,000+ |
|
|
|
ATM Debit Transaction Fees |
||
|
Out of Network Transactions*** |
$1.50 US $5.00 International |
$1.50 US $5.00 International |
|
Out of Network*** Inquiry |
$1.50 |
$1.50 |
|
Transfer Fee |
N/A |
N/A |
|
Exchange Rate Adjustment fee |
1% |
1% |
|
Minimum Opening Deposit |
$100.00 |
$100.00 |
* Monthly maintenance fee is waived when an average minimum balance of $1,000 is maintained for a full month. The minimum account balance is the average of all closing-day balances in a given month.
** Monthly maintenance fee is waived when an average minimum balance of $5,000 is maintained for the full month. The minimum account balance is the average of all closing-day balances in a given month.
†Nonprofit accounts also do not have to pay a monthly maintenance fee. Ensure the credit union has proof of your non-profit status to have the fee waived.
*** Our network is the CO-OP ATM Network. Over 30,000 ATMs nationwide are part of our CO-OP Network.
These rates and fees apply only to business checking accounts. All rates and fees are accurate as of the effective date noted on this page. Please note that rates and fees may change, and you will be notified as required by law of any changes. For a complete list of fees that may apply to a business membership (not specifically to checking), please review the complete rate and fee schedule.
So, which account is right for you?
Simply Business Checking is ideal for startups, sole proprietors, and small businesses that maintain a modest operating balance. With a $1,000 average balance, the monthly fee drops to $0—making it effectively free for most small businesses.
Premium Business Checking is built for established businesses with higher transaction volumes. The reduced excess transaction fees ($0.25 for 201–400 items, $0.15 for 400+) and higher dividend tiers make it the better choice for businesses processing large numbers of monthly transactions.
Nonprofit organizations receive a full waiver on monthly maintenance fees on either account—just provide proof of nonprofit status.
To get started, visit Zing Business Checking or contact the Business Services team.
I love my credit union. Wouldn't bank anywhere else. I've had car loans, a second mortgage, an equity loan, do bill pay, and have all my accounts with Zing. Most of my transactions are drive thru and everyone is always so polite and happy.
| Zing Simply Business Checking | Chase Business Complete | FirstBank Business Checking |
|---|---|---|
|
Monthly Fee: $5 (waived at $1,000 balance) |
Monthly Fee: $15 (waived at $2,000 balance) |
Monthly Fee: $12 (waived at $1,000 balance) |
|
Free Transactions/Mo: 200 |
Free Transactions/Mo: 20 teller/paper + unlimited electronic |
Free Transactions/Mo: 150 |
|
Earns Interest: Yes—up to 0.20% APY |
Earns Interest: No |
Earns Interest: No |
|
ATM Network: 30,000+ CO-OP ATMs nationwide |
ATM Network: 15,000+ Chase ATMs |
ATM Network: Regional network |
|
Minimum Opening Deposit: $100 |
Minimum Opening Deposit: $0 |
Minimum Opening Deposit: $0 |
|
Nonprofit Fee Waiver: Yes—full waiver |
Nonprofit Fee Waiver: No |
Nonprofit Fee Waiver: No |
|
Member Ownership: Yes—nonprofit cooperative |
Member Ownership: No—shareholder corporation |
Member Ownership: No—shareholder corporation |
The Zing advantage explained: While Chase and U.S. Bank may offer short-term account opening bonuses, Zing’s fee structure delivers compounding savings year after year. A business that maintains a $1,000 balance at Zing pays $0/month and gets 200 free transactions, while the same business at Chase would need to maintain $2,000 just to avoid a $15/month fee and would still be limited to 20 free teller transactions. Over 12 months, a business that fails to meet Chase’s minimum balance requirement would pay $180 in maintenance fees alone—far exceeding any one-time bonus. Zing’s interest-earning checking accounts also set it apart. Most national banks pay 0% on business checking balances, while Zing members earn dividends on every dollar above $1,000. *Please refer to each institutions website for a list of the most up-to-date information.
-
1
Apply online
or visit a Zing branch with the required documents (State Registration, Tax ID, and Ownership documents)
-
2
Select the account
(Simply Business Checking or Premium Business Checking)
-
3
Receive a Visa® debit card
with the business name embossed on the front
Zing’s Community Partners for Startup and Small Business Support
Zing has built a network of trusted community partners to help Denver Metro entrepreneurs at every stage—from idea to launch to growth. These partnerships are available to Zing business members at no additional cost.
Additional Business Support and Resources
Secure Your Finances with Business Checking Account Disclosures
Get the App
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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