Best Credit Unions in Denver for Business Banking
The best credit unions in Denver for business banking include Zing Credit Union, Bellco, Ent, Westerra, and Partner Colorado—each offering different strengths depending on your business needs.
The best credit unions in the Denver Metro area for business banking services include Zing Credit Union, Bellco Credit Union, Ent Credit Union, Westerra Credit Union, and Partner Colorado Credit Union — each with different strengths depending on your business type, transaction volume, and financial goals. For small businesses and nonprofits in Denver’s four-county core, Zing Credit Union offers the most complete combination of low-cost checking, competitive lending rates, bilingual support, and direct connections to Denver’s small business lending ecosystem — making it the strongest choice for locally rooted Denver entrepreneurs.
Local Denver Credit Union serving four counties
Federally insured by NCUA.
Not-for-profit, member-owned.
| Credit Union | Monthly Fee (Starting) | Fee Waiver (Min. Balance) | Free Transactions per Month | Business Lending | Digital Banking Tools |
|---|---|---|---|---|---|
|
Zing Credit Union |
$5/$10 |
$1,000/$5,000 |
200 |
Yes |
ACH, Payroll, QuickBooks, Mobile Deposit, 24/7 Access |
|
Bellco Credit Union |
$10 |
$1,000 |
200 |
Yes |
ACH, Remote Deposit, Bill Pay, Integrations |
|
ENT Credit Union |
$10 |
$2,500 |
200 |
Yes |
ACH, Payroll, Remote Deposit, Bill Pay |
|
Westerra Credit Union |
$10 |
$2,500 |
200 |
Yes |
ACH, Payroll, Merchant Services, HR Tools |
|
Partner Colorado Credit Union |
$0 |
No minimum |
Unlimited |
Yes |
ACH, Remote Deposit, Bill Pay |
Rates effective as of: May 30, 2026
How We Evaluated
We looked at the factors that matter most to Denver and surrounding city businesses when choosing a credit union.
✔ Reviewed business checking fees
✔ Compared transaction limits
✔ Evaluated lending access
✔ Analyzed digital tools
✔ Focused on Denver-area availability
Why Zing Credit Union Stands Out
Low Cost Accounts
Business checking starting at $5/month with easy to meet waiver options.
Non-Profit Friendly
Full monthly fee waivers on checking accounts with proof of non-profit status.
Personalized Support
Dedicated business advisor Maria Sanner offers bilingual (English and Spanish) support for local entrepreneurs.
Powerful Digital Tooks
ACH, payroll, QuickBooks integration, mobile check deposit, and 24/7 account access.
Nationwide Access
30,000+ CO-OP ATMs across the U.S. for surcharge-free access.
Community Focused
We invest in local businesses through partnerships and microlending programs.
Internal and External Transfers
Internal and external transfers are made available daily.
Mobile Check Deposit
Deposit checks from anywhere using the Zing mobile app.
The mobile app provides touch login, 24/7 account access, and the same platform experience as desktop banking. Business members also have access to 30,000+ surcharge-free CO-OP ATMs nationwide — the second-largest ATM network in the United States — providing genuine national reach without the national bank price tag.
For businesses that accept in-person payments, Zing Credit Union partners with Total Merchant Concepts (TMC) for merchant services and point-of-sale solutions. Zing refers business members directly to TMC, who guide each business toward the right POS setup for their specific needs.
Who Should Bank with Zing?
Zing Credit Union is the best credit union business banking choice for small businesses and non-profits operating in Denver’s Adams, Arapahoe, Denver, or Jefferson County who want low-cost checking, competitive lending rates, bilingual support, and banking connected to Denver’s small business ecosystem.
Here is how Zing Credit Union fits different business audiences:
✔ Small businesses in Adams, Arapahoe, Denver, and Jefferson counties
✔ Startups and growing businesses
✔ Non-profits and community organizations
✔ Business owners who want local, relationship-based banking
✔ Businesses that value flexible accounts and competitive rates
| 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 |
|
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.
What separates Zing Credit Union from every other Denver-area credit union on this list is the depth of its human and institutional support network for small businesses — a network that no fee schedule can fully capture.
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
-
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
Key Facts About Zing Credit Union
Dedicated local bilingual (English and Spanish) Business Advisor
Founded in 1934 in Denver, Colorado
Non-for-profit, member owned financial cooperative
Federally insured by NCUA
30,000+ ATMS nationwide
Strong community partnerships and local impact
Ready to Open a Business Account?
Experience local support, low fees, and the tools your business needs to success. Let's grow together.
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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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