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Colorado is a great place to live and work. It offers a temperate mountain climate, a healthy economy, and plenty of outdoor activities. If you’re a Colorado resident or frequently visit the state, finding the right bank can help you manage your finances with ease.
With so many banking options in the Centennial State, it’s important to compare fees, account features, and accessibility. We’ve researched the best banks in Colorado to help you find the right fit based on your financial needs.
11 Best Banks in Colorado
Choosing a bank depends on what matters most to you, whether it’s low fees, high savings rates, or in-person service. Here are the top banks in Colorado based on account benefits, customer service, and overall banking experience.
Current is a mobile-only banking platform that’s a strong option for Colorado residents who want fee-free banking with modern tools.
It offers a checking account with no monthly maintenance fees, no overdraft fees (up to $200 with qualifying direct deposits), and access to your paycheck up to two days early.
Current stands out for its Build Card, a secured credit-building card that uses your own funds to help you build credit with everyday purchases—no credit check required and no interest charges.
Customers also benefit from savings pods, budgeting tools, and free access to more than 40,000 Allpoint ATMs across the U.S.
The app’s clean design and real-time alerts make it especially useful for teens, students, and adults who prefer banking on the go.
Headquartered in Glenwood Springs, Alpine Bank is committed to a green business model and the local communities it serves.
It has nearly 40 locations throughout the state in cities like Aspen, Avon, Boulder, Breckenridge, Colorado Springs, Denver, and Durango. If you prefer online banking and mobile banking, rest assured these are available at Alpine.
The bank’s lineup of products includes several personal checking accounts, including a few that come with no monthly service fees.
You’ll also find auto and home loans, land and construction loans, home equity loans, personal credit cards, and student loans. Business services, such as business checking, commercial property loans, as well as wealth management are offered as well.
With a network of over 60,000 fee-free ATMs1 nationwide, Chime makes it easy to access cash without extra charges. The Chime checking account includes a Visa debit card with no replacement fee if lost.
Chime users benefit from SpotMe®5, a free overdraft protection feature for eligible accounts. The bank also rounds up debit card purchases to the nearest dollar and transfers the difference into a high-yield savings account.
Other key perks include early direct deposit2, which allows customers to receive their paycheck up to two days early, and a highly rated mobile app that works on both iOS and Android.
Bank of Colorado has been serving residents and businesses since 1938, making it one of the state’s oldest community banks.
It offers free checking and savings accounts, credit cards, home and auto loans, and a wide range of business banking solutions.
You’ll find branches in cities like Akron, Boulder, Colorado Springs, Delta, Denver, Durango, Fort Collins, Greeley, Grand Junction, Lakewood, Littleton, Longmont, Loveland, Montrose, Sterling, Windsor, and more.
Customers can manage accounts through online and mobile banking, while also accessing educational tools covering fraud prevention, saving, and retirement planning. Whether for everyday banking or business needs, Bank of Colorado is a reliable choice.
SoFi is a top online banking choice, offering a feature-rich Checking & Savings account with no monthly fees or minimum deposit requirements.
Customers can earn up to 3.80% APY on savings and 0.50% APY on checking balances, making it a strong alternative to traditional banks.
The account includes early direct deposit, allowing users to access their paychecks up to two days early.
SoFi also offers up to 15% cash back at select retailers when using the SoFi debit card. Overdraft protection up to $50 is available without fees for accounts with eligible direct deposits.
New customers can qualify for a welcome bonus between $50 and $300 based on their direct deposit amount.
With access to over 55,000 Allpoint® ATMs and FDIC insurance coverage up to $2 million, SoFi delivers a secure and convenient banking experience.
PNC is a national bank with a growing presence in Colorado. It operates more than 30 branches across cities including Aurora, Boulder, Colorado Springs, Denver, Fort Collins, and Lakewood.
One of PNC’s most popular offerings is its Virtual Wallet® account, which combines checking, savings, and budgeting tools in one easy-to-use platform.
It’s designed to help customers track spending, plan for bills, and set money aside for future goals. Most checking accounts have no monthly fees if basic activity or balance requirements are met.
PNC also gives customers access to over 60,000 fee-free ATMs and a well-designed mobile app for managing accounts on the go.
For those who prefer in-person service, branches offer traditional banking support as well as video banking for quick help without waiting in line.
Chase has a strong presence in Colorado, with 104 branches across 32 cities. As one of the largest national banks, it offers a broad selection of financial products for individuals and businesses.
Chase offers multiple checking account options. Chase Total Checking is a standard account with a waivable monthly fee.
Chase Secure Banking eliminates overdraft fees and includes a $100 sign-up bonus.
Chase Premier Plus Checking earns interest, making it a good choice for those who maintain higher balances.
Beyond checking, Chase offers savings accounts, CDs, credit cards, and loans for homes and vehicles. It also provides specialized accounts for kids and students, making it a solid choice for families and individuals looking for full-service banking.
Integrity Bank & Trust is a community bank owned by employees in Colorado Springs with three branch locations.
Most of its checking account products don’t have any minimum balance requirements and offer rewards like competitive rates, cash back, and refunds on ATM withdrawals.
Plus, each checking account comes with a free order of checks, free digital banking, free e-statements, and a free debit card.
When it comes to savings accounts, you can choose from the regular savings or money market account, as long as you don’t mind the $100 minimum deposit requirement.
Other personal banking services include certificates of deposit (CDs) and health savings accounts (HSAs). In addition, Integrity Bank & Trust provides Colorado businesses with small business banking and lending services.
Based in Lakewood, FirstBank has about 90 bank branches throughout Colorado and is considered the best local bank.
The bank’s personal checking accounts are attractive options because there are no minimum balance requirements or monthly maintenance fees on most of them.
If you opt for the interest-bearing Premier Checking account, however, you’ll need to maintain a balance of $2,500 to earn interest.
FirstBank also offers a plethora of savings options, like the regular savings account, liquid savings account, money market account, and individual retirement account (IRA).
If you invest in real estate or have plans to do so, you may benefit from FirstBank’s unique real estate loans and land loans.
These include the owner occupied commercial real estate loan, SBA 504 loan, business and consumer construction loan, and single close construction loan. First Bank also offers digital banking and a handy mobile app.
High Country Bank can be a smart choice if you like the idea of a community bank. It’s based in Salida and has five branches in the state.
Even though High Country Bank is fairly small, it provides a diverse selection of products. Its personal offerings include banks accounts, such as checking and savings accounts, money market accounts, credit cards, vacant land loans, and personal loans.
This Colorado bank also caters to small businesses through commercial checking accounts, CDs, and merchant card services.
Additionally, it offers residential mortgages with options like variable terms, fixed rates, adjustable rates, and low down payments. Home improvement loans are available as well.
Wells Fargo is one of the largest banks in the U.S. with locations in 36 states and Washington, D.C. Many people consider it the best national bank.
There are more than 140 branches in over 50 Colorado cities, so the bank is a solid choice if you prefer in-person banking.
Wells Fargo offers a diverse array of services for individuals and small businesses, such as checking and savings, CDs, credit cards, and loans.
If you’d like to partner with a financial advisor that can help you with personal finance and allow you to meet your financial goals, you can do so through Wells’ wealth management services.
For banking on the go, you can download the mobile app on your iOS or Android device to check your account balances, monitor your FICO score, send and receive your money with Zelle. The app also makes transferring money easy.
Top Credit Unions in Colorado Worth Considering
If you prefer a not-for-profit banking experience with lower fees and strong community ties, Colorado has several excellent credit unions. These institutions offer competitive rates, strong member service, and a wide range of financial products.
Bellco Credit Union
Bellco is one of Colorado’s largest credit unions, with over 25 branches across the state. Members have access to checking and savings accounts, mortgages, auto loans, and investment services. Bellco is known for its local partnerships and community outreach programs.
Ent Credit Union
Headquartered in Colorado Springs, Ent Credit Union serves more than 40 communities across the Front Range. It offers full-service personal and business banking, including free checking, credit cards, and home loans. Ent also provides financial education resources and tools for its members.
Elevations Credit Union
Based in Boulder, Elevations Credit Union is a standout choice for both individuals and businesses. It offers high-yield savings accounts, low-interest loans, and credit cards with rewards. Elevations is recognized for its personalized service and commitment to sustainability and community support.
Canvas Credit Union
Canvas has branches throughout the Denver metro area and northern Colorado. It offers flexible banking options, including no-fee checking accounts, personal loans, retirement accounts, and credit cards. Canvas is especially popular for its strong digital banking experience and customer support.
Westerra Credit Union
Westerra serves the Denver area and surrounding communities. Members can access a full suite of financial services including checking and savings accounts, auto loans, mortgages, and insurance products. Westerra is known for its responsive service and focus on member education.
Navy Federal Credit Union
Though not Colorado-based, Navy Federal has a strong presence in the state. Membership is open to members of the military, veterans, and their families. It offers nationwide access to branches and ATMs, along with checking accounts, savings, personal loans, and competitive credit card options.
How to Choose the Best Bank in Colorado
The best banks in Colorado offer competitive interest rates, low fees, and convenient access to accounts. Here’s what to consider when making your choice:
Interest rates:Online banks often offer higher APYs than traditional banks, helping you grow your savings faster.
Fees: Fees like monthly maintenance fees, ATM fees, and overdraft fees can add up quickly. Look for banks with minimal fees, or options to waive them through balance requirements or direct deposits.
Products: If you want to keep all your finances in one place, choose a bank that offers checking, savings, and investment options.
Perks: Some banks provide extras like mobile banking apps, credit score monitoring, and financial advising.
Reputation: Check customer ratings and reviews to ensure the bank is trustworthy and well-rated.
ATM access: A large network of fee-free ATMs saves money on cash withdrawals and deposits.
FDIC insurance: Confirm the bank is FDIC-insured so your deposits are protected up to $250,000.
Customer service: Reliable support with multiple contact options is key for handling account issues quickly.
Taking these factors into account will help you find a bank that fits your financial goals and lifestyle.
Final Thoughts
From national banks to local credit unions, Colorado offers solid options for every banking style.
Online platforms like SoFi and Chime deliver high-yield savings and early direct deposit. Community banks such as Alpine Bank and High Country Bank offer personal service, while credit unions like Bellco and Ent combine low fees with a strong community focus.
Choose the one that fits how you manage your money—whether that’s in person, online, or somewhere in between. With so many strong choices, finding the right financial partner in Colorado is easier than ever.
