Colorado Capital Bank is a full-service commercial bank committed to offering banking solutions that meet your unique lifetime financial needs and goals. Our comprehensive suite of services includes checking, savings, loans and online banking as well as products and services to assist in your long-term financial planning needs. We continually strive for a high degree of personalized service provided by a community-oriented, knowledgeable, and client-minded staff.

FREE CHECKING WITH INTEREST
Most of us like to get more for our money. At Colorado Capital Bank, we’ve designed our checking account around you. This is a free checking account for all accountholders and earns interest for those that maintain $5,000.00 in their checking account.

• $100.00 minimum opening deposit
• No minimum balance
• No monthly service fee
• Free unlimited check writing
• Visa® Check Card available for a $10.00 annual fee; also works as an ATM card for cash access
• Free telephone banking
• Free online banking
• Online bill payment available for $4.95 per month with unlimited transactions; first 3 months are free
• Balances at or above $5,000.00 earn interest on those days the balance is above this threshold; no interest will be earned on those days balances are $4,999.99 or below
• Interest is compounded monthly and paid monthly
• Tiered interest rates commensurate with daily balances. (For current rates, see our Rate Sheet brochure. Interest rates subject to change.)
• Check images available with statement for a $2.00 monthly fee

MONEY MARKET ACCOUNT
An interest-earning account with limited withdrawals; available to individuals and sole proprietors.

• $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. (Excessive withdrawals may be assessed a fee and the account will be subject to closure.)
• 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, see our Rate Sheet brochure. Interest rates subject to change.)

REGULAR SAVINGS
Whether you have a long-term savings strategy or just save a little now and then, Colorado Capital Bank can help you save for the future. This account is available to individuals and sole proprietors.

• $100.00 minimum opening deposit
• No minimum deposit for students under 25 years of age or minor accounts (18 years or younger)
• 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 fee of $0.50 will be assessed for each withdrawal over 9
• Interest compounded daily and paid quarterly. (For current rates, see our Rate Sheet brochure. Interest rates subject to change.)

CERTIFICATES OF DEPOSIT
A Certificate of Deposit, available to individuals and sole proprietors, 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.)

INDIVIDUAL RETIREMENT ACCOUNTS (IRA)
A Colorado Capital Bank IRA can help you look forward to your retirement years with comfort and confidence, while possibly reducing your tax liability today. This investment is a 180-day Certificate of Deposit.

• $100.00 minimum opening deposit
• Fixed interest rate for each 180 day term
• Substantial penalty - equal to one month’s interest - for early withdrawal
• Additional deposits to IRA Certificate of Deposit allowed in increments of $25.00 monthly
• Interest compounded daily and paid at maturity

PERSONAL LOANS
Colorado Capital Bank offers a variety of personal loans to meet your financial needs and goals. We offer competitive rates and flexible terms. All loans are subject to credit approval.

• Checking Ready Reserve Line of Credit
• Automobile & Recreational Vehicles
• Home Equity Loans and Lines of Credit
• Personal Purchases & Expenditures
• Debt Consolidation
• Construction Financing
• Real Estate Financing

ONLINE BANKING
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. 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

ONLINE BILL PAYMENT
Online bill payment is available to those customers with a Free Checking with Interest account and is a simple, easy and secure way to pay virtually any bill without the need for buying stamps or writing checks.

• Schedule one-time, future-dated or recurring payments
• Online bill delivery
• Online bill payment available for $4.95 per month with unlimited transactions; first 3 months are free

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.

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

ADDITIONAL SERVICES

• ATM’s located at The Atrium, Castle Pines & Stroh Ranch
• Bank by Mail
• Direct Deposit
• Night Depository at The Atrium, Castle Pines & Stroh Ranch
• Safe Deposit Boxes at The Atrium, Castle Pines, Denver Tech Center & Stroh Ranch
• Wire Transfers

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.