Personal Account Solutions Boulder County s Premier Community Bank Are you ready for a personal, local bank? We take a common-sense approach to banking.
Checking Options A checking account at Flatirons Bank is more than just a checking account. It s the solution to manage your day-to-day finances. Manage your finances in-person or online. Get started with a $ 100 minimum opening balance. Account Terms and Conditions 1 Flagstaff Summit (Senior) Longs Peak Interest H.S.A. Minimum Daily Balance Required to Avoid Service Charge $1,000 or One Direct Deposit/ Statement Cycle N/A $2,500 N/A Monthly Service Charge $10/mo $0 $10/mo $2.50/mo Free Checks First Order Free Free 2 Standard Pricing Standard Pricing Free Online Banking Free World-wide ATM Withdrawals 3 Free Bill Pay Free Mobile Remote Deposits Free External Transfers Free E-Statements Paper Statement $3/mo N/A $3/mo $3/mo Debit Card $15/year Free $15/year Free ATM Card Free N/A Withdrawals Allowed Per Statement Cycle Unlimited Unlimited Unlimited Unlimited Medical 3 Minimum Daily Balance to Earn N/A $0 $0 Stated APY 4 1 May be amended at any time. Minimum opening deposit of. 2 Single copy bank checks. 3 Must be for medical expenses (not monitored by the Bank). 4 Interest rate and Annual Percentage Yield (APY) may change at any time at the Bank s discretion (non-cd accounts). Fees may reduce earnings on interest bearing accounts.
Savings & Investments Whether you re saving for a specific reason to purchase a car, to further your education, to buy your first home, or just for a rainy day you ll see your money grow faster with a savings account from Flatirons Bank. Account Terms and Conditions 1 Money Market 2 Junior Ranger 2 Bear Peak 2 Minimum Opening Deposit Balance Required to Avoid Service Charge $1,000 $1,000 Monthly Service Charge $10/mo $5/qtr $10/qtr Interest Tiers 4 $1,000 $24,999 $25,000 $49,999 $50,000 $99,999,000 $199,999 $200,000 & Greater & Greater $1,000 & Greater Online Banking E-Statements Paper Statement $3/mo $3/qtr $3/qtr ATM Card Transaction Fees Refer to Schedule of Fees Refer to Schedule of Fees Refer to Schedule of Fees Minimum Daily $1,000/Tiered Balance to Earn $1,000 Rate Structure Stated APY 4 Certificate of Deposit 3 Choose a term as short as 6 months or as long as 24 months. With a CD, you ll always know exactly what interest rate you ll receive during the term. And you can easily roll your CD over at the end of its term to keep your savings growing. 1 May be amended any time. 2 Regulation D Limitations Exist. 3 Automatic renewal w/10-day grace period. Minimum opening deposit for certificates of deposit is $1,000. Minimum daily balance to earn stated APY for certificates of deposit is $1,000. Interest rate is fixed - Pays interest at maturity for terms under 12 months - For terms 12 months and greater, interest paid quarterly. Substantial penalty for early withdrawal. 4 Interest rate and Annual Percentage Yield (APY) may change at any time at the Bank s discretion (non-cd accounts). Fees may reduce earnings on interest bearing accounts.
Loans Loans at Flatirons Bank are not one size fits all. We offer flexible lending options to meet your financial needs and all decisions are made locally. We know how important your loan is to you and therefore responsiveness to your request is important to us. Lending solutions to fit your needs: Local lending team Local and quick decision-making Personal guidance and expert advice Local servicing Competitive rates and terms Common sense lending Real Estate Loans Looking to buy, refinance or borrow against the equity in your home? With a variety of traditional and non-traditional lending products, let our local lending team provide you with experienced advice. Mortgages Purchase or refinance your home with our experienced mortgage team. Our business is built on relationships, not transactions, so we go the extra mile for every customer. Jumbo Loans Purchasing a home over the conventional mortgage limits? No problem, we can help. Home Equity Line of Credit A great way to handle unexpected expenses. You can use the funds for the remodel of your house or as an alternative to a credit card. No prepayment penalties. Residential Construction While residential construction lending may appear intimidating, our experienced team will walk you through the process to ensure your dream home can become a reality. Bridge Loans Are you looking to buy a new home and sell your current home? Flatirons Bank can cover you between transactions.
Online & Mobile Banking Access your account information anytime, anywhere. Move at the speed your life demands with our online and mobile banking solutions. Pay bills Make mobile deposits Setup alerts Transfer funds View statements Pay Bills Quickly and Easily Never miss a due date Add unlimited payees Schedule automatic payments Get email reminders of due dates Track payment history Receive ebills Access Balances and Transaction History Retrieve timely and accurate account information. Alerts Create alerts related to a specific event, balance or item. Transfer Funds Easily move money between accounts at Flatirons Bank or another bank. View Statements and Check Images Access your account statements the moment they are available. Get statement history for up to 24 months Access statements sooner than paper statements Reduce mail fraud Statements are delivered in a secure, electronic channel through your online banking portal
Download Our Mobile Banking App Have more control of your money and know where your finances stand at any moment. Bank on the go with secure, anytime account access from your smartphone or tablet. Enjoy free mobile deposits Transfer money Check balances Pay bills Touch ID authentication Mobile Deposits Easily create digital deposits using your mobile app. For any deposit made before 4 p.m., funds are credited to your account the following day.
Checking Services Flexibility and convenience all in one place. A Flatirons Bank Visa Debit Card is a safe and easy way to make purchases and withdraw money at ATMs world-wide. Refund on foreign ATMs Don t get penalized when you are traveling! You have access to a network of world-wide surcharge free ATMs so you can have access to your money at any time of the day or any location. On-the-Go Account Access Free mobile banking and alerts with fingerprint authentication let you check balances, transfer money, any time, anywhere. Set up account alerts to better monitor your account activity. Better Protection Visa Global Service provides 24-hour customer service. Visa Zero Liability protects you against unauthorized purchases if your card is lost or stolen. External Transfers Transfer money easily between Flatirons Bank and your accounts at other financial institutions. Flatirons Bank was created to provide a true community bank to Boulder County, focused on doing what is right for customers in our community.
Contact Us Ready to talk with a banker? Stop by our branch or simply give us a call. Our staff still answers the phone in person. They will walk you through our products and services to find the right mix of solutions that will help you build a lasting relationship. We are committed to serving your banking needs and welcome the opportunity to be a part of your success story. 1095 Canyon Blvd. Suite 100 Boulder, CO 80302 522 4th Ave. Longmont, CO 80501 303.530.4999 (P) 303.530.4735 (F) flatironsbank.com