Looking out of a tent at a mountain view

Personal Checking

Get more out of your checking account.

Check out our hand-picked account options that are sure to fit your lifestyle.  

Looking for a checking account that benefits you when you maintain a healthy balance? Check out the details below about our Rewards Cash Account.** 

rewards cash ACCOUNT DETAILS:

  • $100 to open the account.
  • 1.00% APY* on balances up to $25,000
  • 0.25% APY* on balances over $25,000
  • 0.01% APY* even if qualifications are not met
  • ATM fee refunds nationwide up to $12 monthly (up to $4.99 per transaction)
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online and mobile banking

EARNING YOUR REWARDS IS EASY!

To earn your rewards, simply do the following activities in your Rewards Cash account each monthly qualification cycle:

  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

DON'T WORRY IF YOU DON'T QUALIFY!

You'll still have free checking, plus a base rate of 0.01% APY*--and you can get right back to qualifying for the additional rewards the following month!

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*APY = Annual Percentage Yield

**Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards.  The following activities do not count toward earning account rewards: transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning on the first day of the month and ending on the last day of the month.  If the last day of the month falls on a weekend or holiday, the statement and qualification cycle will end on the last business day of the month, and the next statement and qualification cycle will start the following day. Reward Information: When your Rewards Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the statement cycle: (1) Rewards Cash: Balances up to $25,000 receive a monthly compounding APY* of 1.00%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000; (2) Rewards Saver: Balances up to $100,000 receive an APY of 0.50% and balances over $100,000 earn 0.25% interest rate on the portion of balance over $100,000; and (3) ATM Fee Reimbursements: You will receive reimbursements up to an aggregate total of $12.00 for nationwide ATM withdrawal fees incurred within your Rewards account during that Monthly Qualification Cycle.   ATM reimbursement is limited to $4.99 per transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. When Rewards Cash qualifications are not met, ATM fees are not refunded and all balances in your Rewards Cash account earn a non-compounding APY of 0.01%, and all balances in your Rewards Saver account earn 0.01% APY.  APYs are accurate as of 05/06/22. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.  Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. Rewards may vary by account. A $100 minimum deposit is required to open the account. Monthly Direct Deposit, ACH credit and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. A Rewards Checking account is required to have a Rewards Saver account. There are no recurring monthly service charges or fees to open or close this account. Contact one of our dedicated Bankers for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.

 Looking for a checking account that rewards you for your day-to-day purchases? Check out the details below about our Rewards Cash Back Account.* 

rewards cash back ACCOUNT DETAILS:

  • $100 to open the account.
  • 1.00% cash back on up to $400 of your day-to-day debit card purchases
    • Up to $4 in cash back earned per monthly qualification cycle
  • Up to $12 in nationwide ATM fee refunds each monthly qualification cycle (up to $4.99 per transaction)
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online and mobile banking

EARNING YOUR REWARDS IS EASY!

To earn your rewards, simply do the following activities in your Rewards Cash Back account each monthly qualification cycle:

  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

 

DON'T WORRY IF YOU DON'T QUALIFY!

 

You'll still have free checking, and no penalties for not qualifying--and you can get right back to qualifying for the additional rewards the following month!

Connect With Us

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. “Monthly Qualification Cycle” means a period beginning on the first day of the month and ending on the last day of the month.  If the last day of the month falls on a weekend or holiday, the statement and qualification cycle will end on the last business day of the month, and the next statement and qualification cycle will start the following day.  Reward Information: When Rewards Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 1.00% cash back on up to a total of $400.00 on debit card purchases that post and settle to the account during that cycle period. A maximum of $4.00 cash back may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $12.00 for nationwide ATM withdrawal fees incurred within your Rewards account during that Monthly Qualification Cycle. ATM reimbursement is limited to $4.99 per transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. When Rewards Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Rewards Cash Back account on the last day of statement and qualification cycle. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Rewards may vary by account. A $100 minimum deposit is required to open the account. Monthly Direct Deposit, ACH credit and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. There are no recurring monthly service charges or fees to open or close this account. Contact one of our dedicated Bankers for additional information, details, restrictions, processing limitations and enrollment instructions.  Member FDIC.

Our Legacy Account offers account benefits to our customers who are the golden age of 55+. 

legacy ACCOUNT DETAILS:

  • $100 to open the account.
  • Complimentary standard checks for the life of the account
  • No monthly service fee
  • Free online and mobile banking
  • Nationwide surcharge free ATM withdrawals at any MoneyPass® Network ATM

how to qualify:

  • Fall in the 55+ age category







Click here for current rates on our personal checking options.

APY = Annual Percentage Yield

First Colorado National Bank is a Member FDIC and an Equal Housing Lender. APY (Annual Percentage Yield) is accurate as of 05/06/2022. 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.