Drafts/Checking

We offer several types of checking accounts with a convenient line-of-credit (overdraft protection) with debit card access for those qualified.

Basic Checking Account

This account offers unlimited check writing privileges. There are no minimum balance requirements or monthly service charges.

Young At Heart Account

If you’re 60 years young, this account is for you:

  • No minimum balance requirement
  • No monthly service charge
  • Free “Young At Heart” checks
  • unlimited check writing privileges

VISA Debit card with overdraft protection (w.a.c.)

Use your Debit card to have funds withdrawn from your checking account to pay for purchases or to get cash at an ATM. Best of all, there are no annual fees and your VISA Debit card comes with overdraft protection.

Premier Checking Account

This account earns interest and also has unlimited check writing privileges. A minimum balance of $300.00 must be maintained in the Premier Share Draft Account to avoid an $8.00 monthly service charge.

Business Checking Accounts

A $5 monthly service charge is assessed to Business Checking Account holders. Overdraft protection with debit card access is available for Business Checking Accounts by securing the amount of the overdraft line-of-credit request with 125% of share/savings.

Other Checking Features

  • No per-check fee
  • Free 24-hour phone access
  • Custom or traditional checks available
  • If your employer cannot “split” your Direct Deposit, so that some funds go to savings or another account established, we can “split” your deposit for you.
  • Duplicate checks for record safekeeping
  • Accurate, itemized monthly statements
  • Free Online Banking
    • Review account balances
    • See copies of cleared checks
    • Perform transfers between accounts
  • Free Bill Pay
    • Set up a monthly payment schedule for your reoccurring payments

How to Open a Checking Account

  • Bring a current Colorado Drivers License or I.D. for each account holder between the hours of 8:30 a.m. and 4:30 p.m.
  • Establish a share/savings account with a minimum deposit of $25.00
  • Deposit $50.00 in checking, plus sufficient funds to cover the cost of checks ordered.

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