women holding clean energy credit union debit card

Checking Accounts

Rewarding returns for you and the environment.

Where Your Money Powers the Clean Energy Movement

By opening a checking account, your dollars go to fighting climate change directly and helping others afford clean energy.

Earn 3.56% APY Interest On Your Dollars

Get rewarded for things you already do – like using your debit card, receiving payroll deposits, opening a clean energy loan, and having an average deposit balance of $2,500 or more. See the conditions below.

Checking Accounts

Deposit Balance1

Dividend Rate2


1 Minimum opening balance requirement = $25; ongoing minimum monthly balance requirement = $0
2 Rewards checking dividend rate applies in any given month where any two of the following conditions are met:
– 10 debit card transactions in that same month;*
– At least $1,000 in direct deposits in that same month;**
– An outstanding Clean Energy Loan (of any type) in that same month;
– At least $2,500 on deposit (combined average balance in all accounts) in that same month.

Limited to one Rewards Checking per member account.

*Debit card transactions are defined as a point of sale or online purchase using the debit card linked to your checking account.

**Direct deposits include deposits made by the member’s employer issuing payroll or a federal or state government agency paying benefits, etc. Direct deposits do not include deposits to an account that are made by an individual using online or mobile banking or an Internet payment provider such as PayPal or Venmo.


Deposit Balance1

Any Balance 

Dividend Rate2




Deposit Balance1

$0 – up to $15,000 (with reward checking)2

Dividend Rate2




Deposit Balance1

Portion of your balance above $15,000 (with rewards checking)2

Dividend Rate2




Climate-Friendly Banking with All The Benefits

Enjoy the convenience and benefits of our Rewards Checking with the full confidence that your dollars are having a positive impact on the planet. And the best part? No monthly maintenance or overdraft fees.

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Climate-friendly debit cards

Our debit cards are made from bio-based, industrially compostable, polylactic material.

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No fees on cash back

When it comes to cash back, rest assured that you won’t have to pay any fees with point-of-sale transactions.

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Shared Branch & ATM Network

Take advantage of over 32,000 shared ATMs or 5,600+ shared credit union branches throughout the country.

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Member Service Team

Call us for help with questions or to process phone transactions.

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Securely transfer your coins and cash directly to your checking account from any participating Coinstar kiosk.

What is the Impact of Your Dollars?

Calculate the Carbon Offset of Your Accounts.

Better Banking Tools for a Cleaner Future

When you align your money with your values, the world becomes a better place. By banking with us, you can limit your carbon footprint and help others do the same.

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Protect your funds with Card Controls

Freeze or lock your debit card, add alerts, and set spending or withdrawal limits.

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Mobile Wallet

Use your debit card via Apple Pay, Google Pay, and Samsung Pay.

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Online Banking

User-friendly, 24/7 access to your account from any computer.

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Mobile App

Account management at your finger tips from any tablet or mobile device.

Got Questions? We’ve Got Answers.

First, see if you’re already eligible to join Clean Energy Credit Union by being a part of our “field of membership,” which currently includes:

  1. A member of one of the following organizations:  
    1. African-American Credit Union Coalition
    2. American Solar Energy Society
    3. Association of Energy Service Professionals
    4. Colorado Renewable Energy Society
    5. Denver Electric Vehicle Council
    6. Electric Auto Association
    7. Engineers for a Sustainable World
    8. EVHybridNoire
    9. Georgia Solar Energy Association
    10. Green America
    11. GreenHome Institute
    12. Illinois Solar Energy Association
    13. Midwest Renewable Energy Association
    14. Northeast Sustainable Energy Association
    15. Polar Bear Sustainable Energy Co-op
    16. RENEW Wisconsin
    17. Renewable Energy Owners Coalition of America
    18. Solar United Neighbors
    19. Texas Solar Energy Society
    20. Women of Renewable Industries and Sustainable Energy
  2. An employee or volunteer of one of the following organizations:  
    1. Clean Energy Credit Union
    2. Our Climate
    3. 350 Colorado
  3. A member of the immediate family or household of someone who is eligible via one of the above options or of someone who is already a member of Clean Energy Credit Union

If you’re not already eligible to join Clean Energy Credit Union, you can consider joining one of the above organizations. On your membership application, you can request that Clean Energy Credit Union sign you up for a membership with the Solar United Neighbors free of charge or request that Clean Energy Credit Union sign you up for a one-year membership with the- American Solar Energy Society and deduct the associated $10 membership fee from your opening account balance. Click here to learn more about the field of membership partner organizations listed above.

After confirming your eligibility, you would then open a “share account” (i.e. savings account) with a $5 minimum deposit which would serve as your ownership share in Clean Energy Credit Union. Once someone becomes a member of the Credit Union, they are a member for life. Click here to join Clean Energy Credit Union.

In case it helps, here’s some background on what a credit union “field of membership” is: although credit unions provide similar services as banks, they are different from banks in many ways. For example, a credit union is a not-for-profit, financial services cooperative that exists solely to serve its members and to fulfill its mission, whereas a bank exists to maximize financial returns for its stockholders. Another difference is that a bank can serve the general public whereas a credit union can only serve its “field of membership,” which is defined by regulators as the people and entities that are legally eligible to join the credit union. Ultimately, a credit union’s field of membership is comprised of one or more groups of people and entities that all have something in common that binds them together in some way. Many credit unions have a field of membership that includes people who work for a certain employer, or who live in a certain geographic area, or who are members of the same professional association or religious organization.

You can open an account by applying online here. There is a $25 opening deposit required, but no ongoing minimum monthly balance required after that. In order to open a checking account, you must also open a savings account.

Savings accounts require a $5 minimum balance to maintain the account (and to maintain your membership in the Credit Union). Checking accounts require a $25 minimum deposit to open the account, but no ongoing minimum monthly balance is required. Money market accounts require a $500 minimum balance to maintain the account.

If you have a checking account and a debit card, you can make free ATM withdrawals from any of 32,000+ MoneyPass® shared ATM machines throughout the USA (and international travelers can use any of 2.1 million Cirrus ATM’s worldwide where fees may apply). You can download the MoneyPass® mobile app to locate the nearest network ATM. You can also use your debit card to get free cash back at the “point of sale” (e.g. when making a purchase at your local grocery store).

There are a variety of ways you can utilize our services including:

  • Online Banking: You can access your accounts securely from any computer with our user-friendly online banking platform. Members can easily:
    • View account balances and up to 90 days of transaction history
    • Transfer funds between your Credit Union accounts or other U.S. financial institutions
    • Schedule or cancel transfers, and track transfer history
    • Leverage Bill Pay services
    • Manage your debit card with card controls
  • Mobile App: Our secure mobile app also allows you to manage your account from your tablet or mobile phone. Download the app and get access to:
    • Mobile check deposit
    • Account balances and transactions
    • Schedule bill payments
    • Transfer money between your accounts
    • Locate ATM and shared branch locations
    • Leverage Bill Pay services
  • Shared Branches: Our shared branch network allows members to perform a range of transactions at other credit unions throughout the country. Find a location near you.
  • Mail: You can mail checks for deposit to us at Clean Energy Credit Union PO Box 4233 Englewood, CO 80155

Depositing funds into your account is easy with our mobile deposit feature within the Clean Energy Mobile Banking App. If you haven’t already, download the app from the app store. Log in to the app. Tap the “Check Deposit” option at the bottom of the screen. Follow the instructions to take photos of the front and back of your endorsed check.

These video tutorials walk you through how to use card controls on desktop and mobile device.

Video: Using Card Controls in Online Banking

Video: Using Card Controls in the Mobile App

No. In an effort to be as environmentally friendly as possible, we do not automatically issue checks to account holders. You may order checks by completing the “Personal Check Order Form” under the “Self-Service” menu in online banking.


Check details: A standard check order is 80 checks and costs approximately $22 – the exact cost is dependent on your location due to shipping fees and state taxes.

Currently, you can use PayPal, Venmo, and other services that leverage Plaid account connection to perform person-to-person transfers. More options will be available in the future.

Please note when using a service that connects via microdeposits, you should use your checking account MICR number as the account number. This number can be found on your checks or in online banking by clicking on your checking account and then selecting the “Account Details” dropdown located above your account transactions.

Direct deposits include deposits made by the member’s employer issuing payroll or a federal or state government agency paying benefits, etc. Direct deposits do not include deposits to an account that are made by an individual using online or mobile banking or an Internet payment provider such as PayPal or Venmo.

Debit card transactions are defined as a point of sale or online purchase using the debit card linked to your checking account.

Ready to Take the Next Step?

Get Started Now

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Saturday 9am – 12pm MST