Easy, Convenient &

Secure Checking Accounts

A checking account should help
you achieve more and get the most out of life.

Our checking accounts allow you to live life on your terms – with the tools that let you manage your money with ease and convenience.

We depend on checking accounts to pay bills,  collect direct deposit, and distribute funds to achieve our goals in life. At Red Rocks, we offer checking accounts that make this happen, as well as other key features to keep your money moving:

  • Mobile and online banking
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  • Mobile check deposit
  • Bill pay
  • Setting alerts for transactions and additional account security features
  • Digital wallet
  • Visa® Debit Card
  • Access to over 30,000 surcharge free ATMs nationwide
  • Find surcharge free ATMs here
  • Overdraft Protection and Lines of Credit
  • Secure international transfers to savings accounts and CD’s
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Learn about Overdraft Options

What is Overdraft Protection?

An overdraft occurs when you don’t have enough money in your checking account to cover a transaction. We know that life is busy and sometimes mistakes happen, so we offer overdraft protection to make your journey a little smoother.

When you open a Red Rocks Free Checking account, it’s automatically linked to your Red Rocks Savings account. If you don’t have enough money in your checking account to cover a transaction, funds from your savings account will automatically be transferred into your checking account. There is a fee for this service, so take advantage of our on-the-go banking tools to help you stay up to date on your account balance!

Overdraft Protection Fees

What is Overdraft Privilege?

Our Overdraft Privilege program provides additional protection for your checking account.

If your account is overdrawn and there’s not enough money to transfer from your savings account to cover the transaction, Red Rocks may elect to pay the overdraft transactions up to $750.00 for a transaction fee. This is a discretionary service offered to eligible* members.

Standard Overdraft Privilege (ODP) enrollment occurs automatically when you open your checking account. Standard ODP covers the following transactions:

  • Written checks
  • Electronic payments made using your checking account number
  • Online bill payments
  • Recurring debit card transactions (like a monthly phone bill)

Extended Overdraft Privilege (ODP) is optional and can be added to or revoked from your checking account at any time with your approval. Extended ODP can be added to your account to cover:

  • ATM transactions
  • One-time debit card transactions

The same fees occur with Extended Overdraft Privileges as with Standard Overdraft Privileges, and it is not guaranteed that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your check, debit card or ACH transaction will be returned as a “non-sufficient funds” transaction.

Add Extended ODP

If you prefer to opt-out of ODP, you can do this by calling 303.471.7625 or email support@redrocks.org to notify us of your preference.


*Subject to eligibility. Overdraft Privilege eligibility requirements are as follows: 1) You are at least 18 years of age, 2) Your checking account balance must not be negative for more than 30 calendar days; and 3) You must be in good standing, which means no delinquent or charged off loans or charged off share accounts with Red Rocks Credit Union, and you do not have any bankruptcies, levies or garnishments on your account. We may not pay items under your overdraft privilege if you do not meet these eligibility requirements. To view full disclosures, click here.

What is Overdraft Line of Credit?

Another way to protect your checking account from becoming overdrawn is by opening an overdraft line of credit. If your checking account falls below a zero balance, funds from your line of credit will be used to cover the transaction no matter what type of transaction it is. Overdraft Privilege will only be used if your overdraft protection line of credit has been exhausted.

With an overdraft line of credit, you’ll have peace of mind knowing that your purchases won’t be rejected due to insufficient funds. This is a great option if you’re somebody who frequently overdraws their account because it’s less expensive than relying on Overdraft Privilege. When an overdraft occurs, it will be covered by your line of credit first and your savings account will serve as a back-up only if needed.

  • Covers up to the amount on the line of credit
  • $5.95 fee for each month funds from your line of credit are accessed

To apply for an overdraft line of credit, please call us at (303) 471-7625 or visit one of our branches. Overdraft line of credit is subject to credit approval.

Current Rates


*Membership required. To see full membership requirements, click here.