Online Banking

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Privacy Policy, Fees, & Terms of Use

We do not sell, rent, or otherwise disclose personal information collected by our site to third parties.  See our Privacy Policy for more details.

Privacy Policy
FACTSWHAT DOES FIRST COLORADO NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?

FACTS


Why?

WHAT DOES FIRST COLORADO NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?


Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

FACTS


What?

WHAT DOES FIRST COLORADO NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?


The types of personal information we collect and share depend on the product or service you have with us. The information can include:
  • Social Security number and account balances
  • Credit history and payment history
  • Credit scores and income
When you are no longer our customer, we continue to share your information as described in this notice.

FACTS


How?

WHAT DOES FIRST COLORADO NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?


All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information, the reasons First Colorado National Bank chooses to share, and whether you can limit this sharing.
Reasons we can share your personal informationDoes First Colorado National Bank share?Can you limit this sharing?

Reasons we can share your personal information


For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Does First Colorado National Bank share?


Yes

Can you limit this sharing?


No

Reasons we can share your personal information


For our marketing purposes -
to offer our products and services to you

Does First Colorado National Bank share?


Yes

Can you limit this sharing?


No

Reasons we can share your personal information


For joint marketing with other financial companies

Does First Colorado National Bank share?


Yes

Can you limit this sharing?


No

Reasons we can share your personal information


For our affiliates' everyday business purposes -
information about your transactions and experiences

Does First Colorado National Bank share?


No

Can you limit this sharing?


We don't share

Reasons we can share your personal information


For our affiliates' everyday business purposes
information about your creditworthiness

Does First Colorado National Bank share?


No

Can you limit this sharing?


We don't share

Reasons we can share your personal information


For nonaffiliates to market to you

Does First Colorado National Bank share?


No

Can you limit this sharing?


We don't share
Who we are

Who we are


Who is providing this notice?


First Colorado National Bank
What we do

What we do


How does First Colorado National Bank protect my personal information?


To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

What we do


How does First Colorado National Bank collect my personal information?


We collect your personal information; for example, when you
  • Open your account or pay your bills
  • Use your debit card or deposit money
  • Apply for a loan
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

What we do


Why can't I limit all sharing?


Federal law gives you the right to limit only
  • sharing for affiliates' every day business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions

Definitions


Affiliates


Companies related by common ownership or control. They can be financial and nonfinancial companies.
First Colorado National Bank does not share with our affiliates.

Definitions


Nonaffiliates


Companies not related by common ownership or control. They can be financial and nonfinancial companies
First Colorado National Bank does not share with nonaffiliates so they can market to you.

Definitions


Joint marketing


A formal agreement between nonaffiliated financial companies that together market financial products or services to you
Our joint marketing partners include business card processors (for business customers) and marketing firms.
Fee Schedule

Common Fees

  • Overdraft Item Returned  $36
  • Overdraft Item Paid   $36
  • Uncollected Funds Item Paid    $36
  • Uncollected Funds Item Returned  $36
  • Deposited Check Returned   $10

ATM Fees

  • Customer On Site or MoneyPass Network     $0
  • ATM Fee (Non-Customer)    $3
  • ATM Fee (Non- Proprietary)  $1

Bank Service Fees

  • Cashier’s Checks  $5
  • Check Cashing Fee (Non- Customer)   $8
  • Stop Payment    $30

Wire Fees

  • Domestic Wires Outgoing    $25
  • Incoming Domestic Wire   $5
  • International Wire Incoming   $15
  • International Wire Outgoing    $50
  • Wire Reject Fee:  Any pass-through fees

International Transaction Fees

  • International Debit/ATM Transactions: 2% Total Transaction
  • International ATM Transaction  $5
  • Canadian Item Deposit Fee   $10

Debit Card Fees

  • Debit Card Replacement    $5
  • Debit Card Replacement Rush Request    $30

Other Fees

  • Account Activity Print Out   $1
  • Account Research     $25/Hr.
  • Verification of Deposit Request   $5
  • Items Sent for Collection     $25
  • Copy of Statement w/Images (Free Online)  $5
  • Dormant Accounts     $5/Statement Cycle
  • Garnishments, Levies, Subpoenas, and Writs  $75
  • Fax Services (Per Page)    $2
  • Night Deposit Bag (Locked)  $25
  • Notary Service (Non-Customer)  $5
  • Coin Counting (Non-Customer)   5% of Total
  • Excess Saving Debit Charges (Reg D)  $1/Transaction

Safe Deposit Box Fees

  • Safe Box Replace 1 Key    $25
  • Safe Box Drilling Fee    Cost of Locksmith and time of drilling
  • Payment Past Due     $5 per notice
Terms & Conditions

The Patriot Act of the United States of America

To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act, a Federal law, requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account, including business accounts.

What this means for you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. If you are opening an account of behalf of a business entity, documents relating to the business may also be requested.


Terms of Use

First Colorado National Bank, located in Paonia and Delta, CO, requires that all the visitors to our site(s) on the Internet (the “Site”) adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions. You agree that your use of this Site shall be governed by Colorado law and agree that jurisdiction and venue shall be located in Paonia, Colorado. First Colorado National Bank’s trade area is Colorado.

First Colorado National Bank maintains this Site to provide you with information about First Colorado National Bank products and services and to facilitate communication with First Colorado National Bank and its related companies. From time to time we may revise these terms and conditions.

Copyright in the images, text, screens, and web pages appearing at the Site is owned by First Colorado National Bank or others as indicated. You may copy information from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the express written permission of First Colorado National Bank.

Not all of the products or services described on the Site are available in all geographic areas. You may not be eligible for all the products or services described. First Colorado National Bank reserves the right to determine the eligibility for any product or service. Investment products and services offered through the Site (i) are not bank deposits and are not insured by the FDIC, (ii) are not bank guaranteed, and (iii) are subject to substantial risk, including the possible loss of some or all of the principal invested.

Unless otherwise prohibited by law, any communication or material you transmit to us via the Site or Internet electronic mail is on a non-confidential basis and First Colorado National Bank may use such communication or material for any legal purpose whatsoever, including reproduction, publication, broadcast and posting. We will use our best efforts to include accurate and up to date information on the Site, but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the Site, (even if we have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user’s computer equipment.

With regard to services or products purchased or obtained by you through the Site from a person or entity other than First Colorado National Bank, First Colorado National Bank makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such services and products and First Colorado National Bank specifically disclaims all other warranties with regard to such services or products.