Online Banking

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Personal Accounts


Why let your cash collect dust at some megabank when you can get paid to bank here? With our Kasasa products, you get a free checking account that can pay rewards every month! And with unlimited nationwide ATM fee refunds,* you can find free ATMs all across the country.  Build your savings automatically by linking your Kasasa checking to a free Kasasa Saver® account.  All this and more just for meeting qualifications so easy you’re probably already doing them!

High Yield- Kasasa Cash®

$100 to open the account.

  • 2.02% APY** on balances up to $25,000
  • Refunds on ATM Fees nationwide*

Qualify Each Cycle

Three easy steps to earn Rewards:
1. Have at least 12 debit card purchases post and settle
2. Have at least 1 automatic payment (ACH) or direct deposit post and settle
3. Be enrolled and agree to receive e-statements

Digital Rewards- Kasasa Tunes®

$100 to open the account.

  • Up to $10 refunded monthly for iTunes, Google Play, or Amazon purchases made the previous cycle
  • Plus, get an extra $20 towards your digital rewards at signup!****
  • Refunds on ATM Fees nationwide*

Qualify Each Cycle

Two easy steps to earn Rewards:
1. Have at least 8 debit card purchases post and settle
2. Be enrolled and agree to receive eStatements



Cash Back- Kasasa Cash Back®

$100 to open the account.

  • 2.00% Cash Back on your day-to-day Debit Card purchases–up to $8 cash back per month
  • Refunds on ATM Fees nationwide*

Qualify Each Cycle

Three easy steps to earn Rewards:
1. Have at least 12 debit card purchases post and settle
2. Have at least 1 automatic payment (ACH) or direct deposit post and settle
3. Be enrolled and agree to receive e-statements

Legacy Checking- Senior 55+

$100 to open the account.

  • Complimentary standard checks for the life of the account
  • Nationwide surcharge free ATM withdraws at any MoneyPass Network ATM

How to Qualify:
Be the golden age of 55+

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



Every good checking account needs a partner.  At First Colorado National Bank, we offer multiple types of savings accounts.  Find your perfect match for your money by choosing one or more of these savings vehicles.

Piggy Bank Savings

Minor savings account.

$10 to open the account.

Designed for those under 18 years old.

Simple Saver

Simple savings account.

$100 to open the account.

Avoid the $5 monthly service fee by maintaining $100 or having a monthly automatic contribution to the account of $20 or more.

Kasasa Saver®***

High-yield savings account.

$0 to open the account, but it has to be paired with a qualifying Kasasa Account.***

Earns 1.00% APY on balances up to $100,000.


Manager's Money Market

$10,000 to open a Manager’s Money Market account.

See our current rates and details by clicking on the Rates button above.

Certificates of Deposit and IRAs

$1,000 to open a CD.

$500 to open an IRA.

Varying lengths and terms.  See our current rates and details by clicking on the Rates button above.

Credit Card

You might not know when you’ll get that flat tire, but you can make sure you’ve got the funds to fix it. Help your plans go off without a hitch with easy access to funds anytime. Our Visa® credit card comes with no annual fee and competitively low interest rates — so you can put your money toward the things that truly matter.

  • Competitively low rates
  • No annual fee
  • Enjoy increased purchasing power
  • Accepted around the globe and online
  • 24/7 online account access
  • Redeem points for cRewardsSM, including:
    • Electronics
    • Gift cards
    • Cruises
    • Airfare
    • And more!
  • Earn one point for every dollar spent using your card
  • Travel accident insurance
  • Easily replaced if lost or stolen

Our 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.

Apply Now

Other Options

VISA® Debit Card

  • Use any ATM in the MoneyPass Network surcharge free!
  • State-of-the-art fraud protection
  • Control your debit card with the Card On/Off feature via the mobile app or online banking

Mobile Wallets

  • Apple Pay, Samsung Pay and Google Pay

Online and Mobile Banking

  • Bill Pay
  • Financial Reporting Tools
  • Transfers
    • Person-to-Person
    • Account-to-Account
  • Export to Quicken and Quickbooks

Classic Features

  • Overdraft Protection
  • Safe Deposit Boxes (not FDIC insured)



*Our Kasasa Cash Back®, Kasasa Cash®, and Kasasa Tunes® Checking Accounts require you to qualify with the above stated qualification behaviors each monthly cycle which is the 2nd Tuesday of the month to the day before the 2nd Tuesday of the following month. When the qualifications on these accounts are not met, the accounts are not eligible for rewards, including ATM refunds. Items/transactions have to have posted and settled during the qualification period to count. You’ll want to talk with one of our bankers to make sure you understand how it all works– including our cycles, how ATM refunds work, and signing up for the account that best fits your needs!

**When your Kasasa Cash account qualifications are met during a monthly qualification cycle, (1) Balances up to $25,000 receive an APY (Annual Percentage Yield) of 2.02%; and balances over $25,000 earn 0.50% interest rate on the portion over $25,000, resulting in a range from 2.02% to 0.50% APY depending on the account’s balance. When Kasasa Cash qualifications are not met, the account will earn 0.01% APY and ATM fees are not refunded.

*** Kasasa Saver® is only available with a linked Kasasa Cash or Kasasa Cash Back checking account. The account earns 1.00% APY (Annual Percentage Yield) on balances up to $100,000; balances over $100,000 earn 0.50% APY; resulting in a range from 1.00% to 0.51% APY depending on account balance. The Kasasa Saver does not earn the reward interest rate when the attached Kasasa Checking does not qualify with the above criteria. When your Kasasa Checking account does not qualify; the Kasasa Saver earns 0.01% APY. When Kasasa Cash is linked with Kasasa Saver, the checking account interest does not compound.

****Kasasa Tunes Sign Up Bonus: When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $20 for qualifying iTunes, Amazon, and Google Play purchases made with your Kasasa Tunes debit card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle in which your aggregate digital purchases threshold of $20 posts and settles to your account. Your account must be in an open status to obtain the bonus. Only one sign up bonus per account per year is allowed per social security number. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited.

First Colorado National Bank is a Member FDIC and an Equal Housing Lender. APY (Annual Percentage Yield) is accurate as of 1/13/2020. Rates and rewards are variable and may change after account opening. Fees could reduce earnings.

All products may be subject to additional terms and conditions.