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Colorado Bank & Trust prides itself on the personal touch that makes us unique and of making a positive difference in your financial life. Whether you are saving for your future or looking to make a purchase, we are here to help you.

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Personal Checking
  • Non-interest bearing
  • Unlimited transactions
  • Debit/ATM cards – instant issue!
  • Overdraft Protection available
  • Monthly Image Statements
  • Free Digital Banking
Senior Checking
  • Free to Customers 65 or older
  • Non-interest bearing, Personal Account
  • No minimum balance
  • Debit/ATM cards – instant issue!
  • Monthly Image Statements
  • Free Digital Banking
"Checkless" Checking
  • $3.00 monthly maintenance fee
  • Four free in-person withdrawals per month
  • No minimum balance
  • Requires Direct Deposit
  • Requires eStatements
  • Withdrawals made by ATM or Debit Card purchases are unlimited
  • Debit/ATM card issued instead of checks
  • Free Digital Banking
NOW Account
  • Earn a market rate of Interest
  • Unlimited transactions
  • Debit/ATM cards – instant issue!
  • Monthly Image Statement
  • Free Digital Banking
Watering can growing money
Regular Savings
  • Earn a market rate of interest
  • Four free withdrawals per month
  • ATM card – instant issue!
  • Quarterly Statements
  • Free Digital Banking
  • Minors bank free until age 18!
Christmas Club Account
  • Opened any time between November and February
  • Make 24 semi-monthly payments and the Bank will make the 25th for you!
  • Save $250, $500, $1,000 or $5,000
  • Annual disbursement in November, just in time for Christmas!
Money Market Account
  • Earn a market rate of interest
  • Up to six free withdrawals per month
  • No minimum withdrawal and unlimited deposits
  • Monthly Statements
  • Free Digital Banking
Certificate of Deposit (CDs)
  • Minimum deposit $500
  • Terms from 90 days to three years
  • Earn a market rate of interest
  • Additional deposits are permitted at any time
  • Penalty for early withdrawal
What is your plan for retirement sign on street
  • Open with as little as $500
  • Multiple term options to meet your timeframe
  • Traditional or Roth IRA options available
  • Tax-advantaged and FDIC-insured
  • Competitive interest rates and fixed terms
House keys hanging

At Colorado Bank & Trust, we understand the challenges of satisfying all of the requirements associated with financing a mortgage loan.  Whether it is a purchase, refinance or new construction our lending specialists are here to help you with making sure the process runs smoothly.

Contact one of our Lending Specialists today.

Lending Specialists

Anthony Andenucio NMLS #767791
Dotti Runco NMLS #1229885
Vince Tatum NMLS #767793
Brad Jones NMLS #767794
Stacey Manweiler NMLS #766134
Mark La Plante NMLS #717035
Jaclyn Sharon NMLS #1432398
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Auto and Recreational Loans

Whether you are purchasing or wanting to lower payments on a current new or used car, recreational vehicle or motorcycle, Colorado Bank & Trust has competitive rates and terms.  We do our best to structure the terms to meet you satisfaction.

Contact one of our Lending Specialists today.

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a revolving line of credit.  You can use the equity from your primary, vacation, second home or rental.  With a HELOC you can renovate your house, consolidate debt, etc.

Contact one of our Lending Specialists today.

Personal Loan

A personal loan allows you to borrow a specific amount of money that you can use for a variety of reasons and pay it back through regular monthly payments.

A personal line of credit loan is a variable rate loan that provides you access to funds whenever you need it up to an approved credit limit.

Contact one of our Lending Specialists today.

Visa® Cards

We offer MasterCard® and Visa® at competitive rates and fees.  PLUS – you can get personal service for any issues by calling the Bank during regular business hours!

Want to see your balance or transactions online, or make a payment? Click here for mycardstatement.com Learn More

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MANAGE YOUR MONEY WHEN AND WHERE YOU WANT

Not a user? View a demo of Digital Banking

It’s Easy To Bank Digitally

You must have a Colorado Bank and Trust account to use our Digital Banking service. If you’re not a user, simply go to our home page and click on New User.

Account Options

  • View Account Balances – provides you the option to access information about checking, savings, loans, and other Colorado Bank and Trust accounts.
  • Pay Bills – We offer online bill payment. Simply follow the on-screen steps to pay your bills over the Internet.
  • Secure E-Mail – With secure e-mail, you can take care of common banking tasks such as:
    • Re-order checks
    • Change address
  •  Spin – Person to Person (P2P) – allows you to transfer money to anyone using your smartphone, tablet or computer. Now you can pay the gardener, housekeeper and day care provider or gift your children and grandchildren, quickly and conveniently ‑ no more checks or cash.
DIGITAL BANKING ON YOUR MOBILE DEVICE

Colorado Bank and Trust Digital Banking Smartphone App gives you 24/7 access to your account information. It’s free to download, and the display is exactly the way Digital Banking looks on all your other devices – making it quick and easy for you to manage your bank accounts from your phone.

Want to deposit checks using your mobile device? Click Here

How do I obtain the App?

  • iPhone users:Apple App Store Download

 

  • Android users:Google Play Store Icon
DIGITAL BANKING SECURITY

Colorado Bank & Trust takes the security of your information very seriously. We use industry standard practices to protect and secure your transactions!

FIreman taking picture of check
WHAT IS REMOTE DEPOSIT CAPTURE OR RDC?

Remote Deposit Capture is a free service to deposit checks to your Colorado Bank and Trust Company checking account(s) electronically by using the camera on your smartphone or other electronic device to transmit images through the Colorado Bank and Trust Mobile Banking App.

WILL RDC BENEFIT ME?

Yes. Using RDC allows you to safely deposit checks to your checking accounts(s), anytime and anywhere you have internet service with your smartphone or other electronic device–saving you time, money and gas.

DO I NEED TO APPLY FOR RDC?

Yes. You must apply and be approved for enrollment prior to using the Colorado Bank and Trust RDC service. You will be sent an email notification of your enrollment status within three business days, but often the turnaround time is much shorter.

IS THERE A COST TO USE RDC?

No. However, usage rates from your mobile carrier may apply when using Colorado Bank and Trust Mobile Banking App.

IS RDC SAFE AND SECURE?

Yes. The Colorado Bank and Trust Mobile Banking App encrypts data using state of the art image processing and optical character recognition. The phone cache is cleared after every session so the check images are not stored on your device.

AM I ELIGIBLE TO USE RDC?

To use RDC you must:

  • Have an active Colorado Bank and Trust Company checking account
  • Be enrolled in Digital Banking
  • Accept the Online Banking/Mobile Banking Agreement form online
  • Install the Mobile App on your smartphone or other electronic device
  • List your current email address within Digital Banking
  • Be in good standing with Colorado Bank and Trust Company
  • Apply for and be approved to use RDC
CAN I USE RDC TO DEPOSIT FUNDS TO ANY COLORADO BANK AND TRUST COMPANY ACCOUNT?

No. You can only deposit checks to the checking accounts(s) reported in your Digital Banking Account of which you are an account holder.

CAN I USE RDC ON MORE THAN ONE CHECKING ACCOUNT THAT I HAVE WITH COLORADO BANK AND TRUST?

Yes, you can deposit to any checking account reported in your Digital Banking Account of which you are an account holder.

HOW DO I ACCESS RDC?

Contact one of our Customer Service representatives to request enabling RDC on your digital banking account at 719.384.8131 or 719.546.2268 or 800.799.8131, during business hours.

Access “Deposit Checks” from the list of services within the Colorado Bank and Mobile Banking App, choose “Make a Deposit” and follow the instructions on your smartphone or device screen.

HOW DO I VERIFY THAT A CHECK HAS BEEN ACCEPTED?

After submitting the deposit, the screen with note that the deposit was successful. We will send you acceptances for deposits or rejections via email. You will also see the deposit in your account history if it is successful. All RDC deposits will include a physical review by the Colorado Bank and Trust and deposits may be adjusted or rejected based on the check’s content and accuracy being invalid. All deposits must meet our deposit criteria.

WHAT DO I DO IF I GET AN ERROR MESSAGE WHILE MAKING A DEPOSIT?

Review the message for failed reasons and make adjustments accordingly.

HOW DO I TAKE A PICTURE OF THE CHECK?
  • Ensure bright, but indirect sunlight to avoid shadows
  • Hold the camera directly over the check
  • Use the borders to properly zoom and scale, to ensure the entire check fits within the space
  • The picture should only include the image of the check. (Make sure other checks, books, keys, change or any shiny items are NOT in the picture as they can interfere with the transmission. Reflections, glare and images with numbers and letters can also cause problems with image verification and may cause the check to not be accepted)
  • Ensure the check is flat
  • Place the check on non-shiny surface
  • For the back of the image, endorsement should be on the right side of the image.
WHAT DO I DO IF I GET AN IMAGE ERROR MESSAGE?

Retake the picture as directed.

IF I ENTERED AN INCORRECT AMOUNT FOR A DEPOSITED CHECK, SHOULD I RE-DEPOSIT THE CHECK?

No. The check can only be deposited into RDC once. If you’ve entered the check amount incorrectly, it will most likely be in pending status awaiting further review. In many cases a Colorado Bank and Trust Customer Service Representative will review the deposit, correct the amount, and adjust your account, allowing the check to process. However, if you do not see that the deposit posted, please contact Colorado Bank and Trust at 800.799.8131 or 719.384.8131 or 719.546.2268.

DO I NEED TO ENDORSE A CHECK SUBMITTED USING RDC?

Yes. An endorsement is required. Checks must be properly endorsed by all payees, noting “Colorado Bank and Trust RDC Deposit only” below the endorsement. All payees must be listed as owners of the Checking account.

WHAT TYPES OF CHECKS DOES RDC ACCEPT?

Acceptable check types made payable to you in U.S. dollars include: personal checks, business checks, or cashier’s checks drawn on a financial institution located within the U.S.

WHAT TYPES OF CHECKS DOES RDC NOT ACCEPT?
  • Foreign Checks/Foreign Currency
  • Savings Bonds
  • Money Orders
  • Altered Checks
  • Third Party checks
  • Stale Dated Checks (checks with a date greater than 6 months)
  • Checks made out incompletely or incorrectly
  • Non-Negotiable items
  • Damaged checks
  • Non-legible checks
  • Cash/Change
WHAT SHOULD I DO WITH MY CHECK AFTER USING RDC?

Retain the check for 60 days after the deposit has posted to your account. After 60 days, it is a best practice to shred the check. DO NOT mail the check to the Colorado Bank and Trust Company. We suggest after you deposit a check, put a note on the front corner of the check with the date and RDC, to prevent accidentally trying to deposit the check more than once.

IS THE SERVICE AVAILABLE 24/7?

The RDC can be used 24 hours a day, seven days a week, except when our system is unavailable due to needed maintenance. Generally, maintenance occurs once a month during nighttime hours. During that time, the app will display the following message: “Mobile Deposit is Temporarily Unavailable.” Any Remote Deposits received by the Bank after 3:00 p.m. MST will be processed on the next business day.

IS THERE A LIMIT ON AMOUNT OF DEPOSITS IN RDC?

The total dollar amount of checks that can be transmitted to us by Mobile Banking Deposit is $10,000.00 per business day.

OTHER QUESTIONS?

For any other questions or additional information, please contact a Customer Service Representative at 719.384.8131 or 719.546.2268 or 800.799.8131, during business hours, or refer to the Online Banking/Mobile Banking Agreement posted in Forms in your Digital Banking Account.