Colorado Capital Bank is a full-service commercial bank with a focus on the unique lifetime financial needs and goals of Corporations, Non-Profits and privately-owned businesses. 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.

Colorado Capital Bank offers a full range of Treasury Management services designed to provide you with the tools you need to effectively manage your business. Our goal is to design a suite of banking products and services that will meet your daily operational cash flow and investment needs. Through this customization of services, your company will be able to manage liquidity, optimize cash resources and utilize cash efficiently in a manner consistent with your overall strategic objectives.

CASH MANAGEMENT INVESTMENT ACCOUNT (CMA)
This account relates to a zero or compensating balance sweep of operating account balances to an interest-bearing transaction account which maximizes earnings capacity.

• Structure: The CMA account is represented by a single master account with an appropriate number of sub accounts which is designed to accommodate daily sweep transfers between an operating account and the CMA account
• Interest Earnings: The CMA account earns a competitive interest rate based on daily balances and a tiered rate structure

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.

COMMERCIAL CASH MANAGEMENT ONLINE BANKING SYSTEM (CMS)
We offer our commercial customers a premier online cash management banking system. Features included in the basic CMS are:

• Administration: Your company’s cash management administrator has full control over multiple user access levels and authorities. A comprehensive audit system provides detailed reporting on user activities. User and account profiles may be used to customize viewing options.
• Account Services: Various account support services are available including balance reporting, balance summary, and transaction reporting with check images and loan detail.
• Alerts: Balance alerts may be set up to help monitor account balance levels.
• Stop Payment: Save time and follow-up with online stop payments with confirmation.
• Book Transfers: Transfer funds between your Colorado Capital Bank accounts without having to call the bank.
• EFTPS (Electronic Funds Tax Payment System): Allows control over the disbursement of tax payments to government agencies.
• Support Services: Communications to bank personnel is available by our certificated secure email system. An extensive help system is available.

Additional functions are available. These include:

• Wire Transfer Module: Provides an efficient way to originate both domestic and foreign wires. This module allows for the scheduling of reoccurring wires.
• ACH (Automated Clearing House) Origination Module: This module allows a business to consolidate cash from other banks to Colorado Capital Bank as well as originate direct deposit payroll or other vendor payments. Origination of ACH debits or credits via online input or NACHA-formatted file upload is available.
• Bill Payment: This function allows your company to pay vendors electronically either as a single or reoccurring payment as well as input credit memos.
• Account Reconciliation: Allows issued check files to be uploaded and compared with items presented. It provides an at-a-glance reconciliation view.
• Positive Pay: Positive Pay is used in conjunction with Account Reconciliation and allows you to make a pay/no-pay decision on exceptions. This module reduces the risk of fraud and gives you control over each day’s presentments.

LOCKBOX SERVICES
Our lockbox service provides a fast, easy and cost-effective way to collect, process and deposit your daily accounts receivables.

• Wholesale and retail lockbox services
• A data file can be provided to automate posting on your company’s books
• Images are provided

CORPORATE CREDIT CARDS
The Colorado Capital Bank Visa® corporate credit card is designed to assist you and your staff in managing travel expenses, purchasing supplies or paying for business meals. Credit qualification is required.

• Master account with sub accounts are provided
• Allows for separate limits for each cardholder
• Consolidated billing provides separate cardholder detail
• Year-end detail is provided

MERCHANT CARD PROCESSING
This service allows your business to accept customer payments by credit card.

• Allows for acceptance of all MasterCard, Visa, Discover, and American Express credit cards
• Supports both web and telephone-based transactions

COURIER SERVICE
At Colorado Capital Bank, we know that in today’s fast-paced world your time is at a premium. By utilizing our courier services, you will save time and operating costs with the convenience and safety of having your deposits delivered to the bank. This service is available in Castle Rock, Colorado Springs, Denver and Parker and can be set up for daily service or on-call, as needed.

STORED VALUE CARDS
Stored value cards are a cost-efficient way for a company to deliver its payroll; especially to those employees that do not have a bank account.

• Electronic deposits are made to card accounts as you dictate and may be replenished.
• Cards can be used at ATM’s as well as for point-of-sale transactions at merchants
• Cardholders have online access to transaction and balance information
  

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

For more detailed information regarding our account offerings Contact Us.