Colorado Capital Bank is a full-service commercial bank with a focus on the unique lifetime financial needs and goals of Corporations, Non-Profits, privately-owned businesses, their owners and management team. Our comprehensive suite of services includes deposit and loan products, Treasury Management services and a premier online banking system. We also offer products and services that will assist in the long-term financial planning and succession needs of your business.

BUSINESS CHECKING
This non-interest bearing checking account is designed for businesses with lower monthly transaction volume.

• No monthly service fee with an average daily balance of $1,500.00
• $10.00 monthly service fee if the average daily balance is below $1,500.00
• Free check clearing up to 75 per month
• $0.10 per check clearing in excess of 75
• 200 free deposit items per month
• $0.15 per deposit item in excess of 200
• Statement cycles at the end of the month

COMMERCIAL ANALYSIS CHECKING
This checking account is designed for businesses with higher monthly transaction volume and balances. The account earns a credit towards bank service fees at a competitive rate.

• Statement cycles at the end of the month
• An analysis statement is prepared separately from the cycled statement and is processed on the 10th of the following month. The net charge detailed in the analysis statement is debited on the 15th of the following month
• Earnings credit is calculated on the average balance and applied to accumulated service fees
• Most bank service fees for all relationship accounts may be included in the analysis which may result in minimal or no service fees when sufficient balances are maintained

Account Analysis Earnings Credit and Analysis Service Fees
The current months’ earnings credit rate is equal to the previous months’ average 3 month t-bill secondary market rate as published by the Federal Reserve. Please refer to our current Rate Sheet for additional rates and service fees.

TREASURY MANAGEMENT SERVICES
For our clients that require more sophisticated banking, investment and online services, we offer:

• Cash Management Investment Account
• Commercial Cash Management Online Banking System
• Online Bill Payment
• EFTPS
• Wire Transfers
• ACH Origination
• Lockbox Services

Please see our Treasury Management Services for further information.

BUSINESS MONEY MARKET ACCOUNT
This account is a tiered, variable rate account with check access for businesses that want to earn interest without investment risk and need access to funds on occasion each month.

• $1,000 minimum opening deposit
• No monthly service fee with a $1,000 minimum daily balance
• $10.00 monthly service fee if balance falls below $1,000
• Limit of six withdrawals per month; three of which may be made by check, internet transfer or telephone transfer
• Checks will not be returned with statement
• Free telephone banking
• Free online banking
• Interest compounded monthly and paid monthly
• Tiered rates commensurate with daily balances. (For current rates, ask for our Rate Sheet. Interest rates are subject to change.)

BUSINESS SAVINGS
This account is for businesses with basic savings needs that desire a low-risk investment and ready access to funds.

• $100.00 minimum opening deposit
• No monthly service fee with a $100.00 minimum daily balance
• $3.00 quarterly service fee if balance falls below $100
• Nine free withdrawals per quarter; a $0.50 fee will be assessed for each withdrawal over 9
• Interest compounded daily and paid quarterly. (For current rates, ask for our Rate Sheet. Interest rates are subject to change.)

CERTIFICATES OF DEPOSIT
A Certificate of Deposit provides a low-risk investment with flexible terms and a guaranteed rate of return.

• $100.00 minimum opening deposit
• Flexible terms available
• Fixed interest rate for term of Certificate
• Substantial penalty - equal to one month’s interest - for early withdrawal
• Additional deposits to Certificate allowed during 10 day grace period after maturity
• Interest compounded daily. (For Certificates with a term of less than 12 months, interest is paid at maturity. For Certificates with a term of 12 months and over, interest is paid semi-annually.)

BUSINESS LOANS
Colorado Capital Bank offers a variety of loans; our team of business banking experts will work closely with you to customize a loan package to meet the financial needs and goals of your business. We offer competitive rates, flexible terms and a variety of repayment options. Loans available include:

• Revolving Lines of Credit
• Term Loans
• SBA Guaranteed Loans
• Letters of Credit
• Commercial Real Estate Loans
• Real Estate Construction Loans

A business loan can help you:

• Purchase inventory and equipment
• Provide working capital
• Purchase a business
• Purchase commercial real estate

We recognize that your business needs are as varied as the loans we provide. To assist you with making the best possible decisions, please meet with one of our business banking officers for more information on how we can help you and your business. All loans are subject to credit approval.

ONLINE BANKING SERVICES
At Colorado Capital Bank, we know that in today’s fast-paced world your time is at a premium. That’s why we offer user-friendly online banking options guaranteed to save you time and make your life easier. These Internet-based financial information and transaction initiation systems are designed for businesses. You can bank 24-hours a day, 7 days a week – from the comfort of your home or office. Our online banking system offers:

• Account Access including balance and history of your checking, savings, loan and Certificate of Deposit accounts
• Custom Reports available. Search for a transaction by date, check number, or dollar amount
• Download statements to your own financial software and reconcile your accounts
• Transfer funds between your Colorado Capital Bank accounts
• Secure bank form access to make requests such as a change of address or stop payment

24-HOUR TELEPHONE BANKING
Telephone banking is a convenient way to access your accounts at any time from anywhere by telephone. Call our 24-hour banking system at 303.814.8002 (Metro) or 719.482.7002 (Colorado Springs) (Metro) or 719.482.7002 (Colorado Springs).

• Account Access
• Account Transaction History
• Transfer funds between your Colorado Capital Bank accounts

OTHER BUSINESS SERVICES

• Bank by Mail
• Courier Service
• Merchant Card Services
• Commercial Credit Cards
• Night Depository Services at The Atrium, Castle Pines & Stroh Ranch
• Safe Deposit Boxes at The Atrium, Castle Pines, Denver Tech Center & Stroh Ranch
• Change Orders
• Federal Tax Depository
• Notary Service
• Wire Transfers

Understanding your business’ financial needs and finding the right solutions doesn't have to be a daunting task. At Colorado Capital Bank, our experienced business banking team will provide you with the personal service and convenience you want and need. We invite you to visit or call us and speak with a Colorado Capital Bank representative. We are available to meet with you in your home, office or any one of our banking locations.

Please consult our General Fee Schedule for a listing of fees and charges.

For more detailed information regarding our account offerings Contact Us.