Online Banking

computer review the project resized by teresa

Banking Built for Small Business

Business Accounts

 

Whether you’re a sole proprietor or a larger corporation, First Colorado National Bank has the business account to suit your needs. We make it easy to manage funds, access accounts, and manage cash flow. For more complex cash management needs we offer ACH origination, positive pay, and account reconciliation. Our simple and secure business products are designed for the business owner on the go. Get more done with a simply crafted business account.


Business Checking

 

Simple

$100 to open the account.

Designed for low activity businesses. An EIN or SSN can be used to open these accounts.

  • $5 monthly service charge ($5 waived while enrolled in e-statements)
  • 100 debits per month included ($0.25/debit above the 100 threshold)
  • One business debit card included at account opening

Digital Services

Online banking with sub-user access, mobile banking, mobile deposit, debit card on/ off, Quickbooks/Quicken interfaces

Craft

$100 to open the account.

Designed for small businesses with an EIN.

  • Earns interest (see rates by clicking the button below)
  • $15 monthly service charge ($5 waived while enrolled in e-statements, $10 waived if average daily balance is greater than or equal to $10,000)
  • Up to 3 business debit cards included at account opening
  • Complimentary first order of portable business checks (or a credit of $25 towards an order of business checks)

Digital Services

Online banking with sub-user access, mobile banking, bill pay, mobile deposit, debit card on/off, Quickbooks/Quicken interfaces, domestic wire capabilities with discounted fees if originated online ($10 discount for each outgoing wire)

Elite

$100 to open the account.

Designed for more complex businesses that may need cash management services.

The Elite Package is subject to bank approval before the accounts are established, and some of the products may also have an underwriting requirement.

  • Earns interest (see rates by clicking the button below)
  • $50 monthly service charge ($5 waived while enrolled in e-statements, $20 waived with average combined balances of $100,000 or more)
  • Includes up to four accounts (master account & up to three sub-accounts)
  • Free cashier’s checks
  • Up to 3 business debit cards included at account opening

Cash Management Services

  • Positive pay and account reconciliation
  • Sweep options and zero balance accounts
  • ACH origination (4 files/month with up to 100 entries per file included, $5 per file after that)

Digital Services

Online banking with sub-user access, mobile banking, bill pay, mobile deposit, debit card on/off, Quickbooks/Quicken interfaces, domestic wire capabilities with discounted fees if originated online ($10 discount for each outgoing wire and 2 free incoming wires per month)

Non-Profit

$100 to open the account.

Designed for non-profits with an EIN and registration.

  • No monthly service charge
  • Up to 2 business debit cards included at account opening
  • Complimentary first order of portable business checks

Digital Services

Online banking with sub-user access, mobile banking, bill pay, mobile deposit, debit card on/off, Quickbooks/Quicken interfaces

Click below to learn more about the money you can earn on your business checking and savings accounts!

Rates

 

Business Savings

 

Simple

$100 to open the account.

  • Maintain an average daily balance of $100 to waive the $5 monthly service charge
  • Earns interest  (see rates by clicking the rate button)
High Yield

$50,000 to open the account.

  • $20 monthly service charge is waived with an average daily balance of $50,000+
  • Tiered interest starting at $50,000 (see rates by clicking the rate button)

Business Credit Cards

Keep your business running smoothly with 24/7 access to funds. Our Visa® business credit cards put a source of financing right in your pocket. We can issue multiple cards with pre-set spending limits, so you can make sure operations stay on schedule — and on budget. Grow your company’s resources automatically by earning points for cRewards– including gift cards, airfare, and more.

Apply

 

Small Business Rewards Visa
  • No annual fee
  • Qualified applicants will have a 0% APR offer for the first 6 months
  • Rewards points:
    • One point per dollar on net purchases
    • No points cap, and points never expire
    • No blackout dates on travel
  • Employee cards and reporting:
    • Additional employee cards are available at no additional cost
    • Set spending limits per card
    • Consolidated statements available
    • Rewards points can be consolidated to the main account
Small Business Cash Rewards Visa
  • No annual fee
  • Qualified applicants will have a 0% APR offer for the first 6 months
  • Earn unlimited 1% cash back on net purchases
  • Cash rewards do not expire as long as your account remains open
    • Redeem for a statement credit at any time, in $25 increments
  • Employee cards and reporting:
    • Additional employee cards are available at no additional cost
    • Set spending limits per card
    • Consolidated statements available
    • Rewards points can be consolidated to the main account
Small Business Edition Visa
  • No annual fee
  • Qualified applicants will have a 0% APR offer for the first 6 months
  • No Penalty APR and low interest rates
  • Employee cards and reporting:
    • Additional employee cards are available at no additional cost
    • Set spending limits per card
    • Consolidated statements available
    • Rewards points can be consolidated to the main account
Company Reward Charge Card
  • Pay in full monthly with no annual fee
  • Built for municipalities, non-profits, and businesses with over $7MM in annual revenue
  • Rewards points:
    • One point per dollar on net purchases
    • No points cap, and points never expire
    • No blackout dates on travel
  • Employee cards and reporting:
    • Additional employee cards are available at no additional cost
    • Set spending limits per card
    • Consolidated statements available
    • Rewards points can be consolidated to the main account

Disclosures

Our Business Credit Cards are offered through a partnership with TCM Bank.  Credit cards are subject to credit approval by TCM Bank and additional terms and conditions.

All products may be subject to additional terms and conditions.