Personal Checking Accounts

Whether you write only a few checks per month, or several a day, you're sure to find a Vectra Bank Colorado checking account that fits the way you like to manage your money. Our personal checking accounts include:

• Platinum Interest Checking
• Personal Checking
• Interest Checking
• Business Owner Checking
• Advantage Banking Checking

For personal account terms and fees for other services click here.
(This link will open up a PDF file on your computer. If you are having trouble with this file, you may need to download Adobe Reader to your computer. Adobe Reader is a free download.)

Vectra Bank Colorado also offers many convenient services with every Vectra Bank Colorado checking account. Click here to find out about these services.

In addition, Vectra Bank Colorado offers Service Now! for checking. This service provides you with simplified record keeping, easier storage for your checking account records and faster answers. Click here to find out more about Service Now!

Order Checks the Easy Way
Save a step – or two or three – when you reorder your Vectra checks. It’s simple for customers who just need a new supply of existing checks. Click on the image to the right for fast and efficient check reorders from Clarke American.

It Pays to be Platinum.

Platinum Status Rewards
If you have a Platinum Interest Checking account plus one or more linked personal deposit accounts with Vectra Bank, you qualify to be a Platinum Customer. Platinum customers are rewarded with special benefits associated with doing more of your banking with us.

Maximize your interest—We’ll get you more from your money by identifying the most profitable interest-bearing accounts for your deposits. Plus, get one combined monthly statement for your accounts. Save on monthly service charges and consumer loan fees, and get preferred access to other great rewards such as:

• Premium interest rates on Platinum Savings, Platinum Certificates of Deposit and Platinum Money Market
• Free Personal Internet Banking
• Free Bill Pay
• No fee money orders
• No fee Traveler’s Checks
• No fee Official Checks
• Free small safe deposit box for one year
• Discount on mortgage appraisal (first mortgages only)
• Personalized customer service available by phone 7 am to 7 pm or 24-hour automated customer service line at (800-232-8948)

*”Linked personal deposit accounts” are those deposit accounts, including savings, money market, certificates of deposit or The Ultimate CD, that have the the same Primary Account holder information as the Platinum Interest Checking account. This “link” must be authorized and established by the Primary Account holder through a personal banker or customer service representative.

Get the Rewards you deserve.
Ask for Platinum today.

Platinum Interest Checking
Platinum Interest Checking from Vectra Bank allows you to get more from your money. In addition to the rewards listed above, you’ll enjoy…Premium interest rates. No minimum daily balance needed to earn stated annual percentage yield. No maintenance fee for first three months to build needed balances, then no fee if average daily balance is $4,000 or more in any combination of linked personal deposit accounts. Free Visa© Check Card, no transaction fee, no annual fee, and no usage fee at any Vectra Bank ATM. And free Vectra Custom Checks.

And exclusively for our Platinum Customers, we offer specialized savings accounts, money market accounts, and certificates of deposits - each a powerful tool for building your nest egg. Click here to find out more.

Other Deposit Account Options

Personal Checking
Looking for an economical checking account to fit your financial needs? This is the account for you! No periodic maintenance fee with minimum daily balance of $500 or more. No annual fee Visa© Check Card, unlimited debit transactions and unlimited check writing. Free Online Banking. Free Bill Pay.

Interest Checking
All the convenience of checking with a competitive interest rate. No maintenance fee with minimum daily balance of $1,500 or more, and a $500 minimum daily balance to earn stated annual percentage yield. Free Visa© Check Card, no transaction fee, no annual fee, and no usage fee at any Vectra Bank ATM. Unlimited debit transactions and unlimited check writing. Free Personal Internet Banking and Free Bill Pay.

Business Owner Checking
This is our personal checking account reserved for business owners. If you have a active Vectra Bank Business Account, discover all the benefits available to you by opening a Business Owner Checking account today!

Advantage Banking Checking
Advantage Banking Checking is an innovative workplace banking program we've designed exclusively for the employees of our business customers. Contact your employer today, to find out if you are eligible for this specialized package of products and services.

Please refer to Personal Account Terms, Important Information About Your Vectra Bank Colorado Accounts brochure, and current deposit rate sheet for complete information on the terms and conditions of your accounts. Plus, your Vectra Bank Personal Banker is always available to answer your questions and help with all your financial needs.

Convenient Services Available With Every Vectra Bank Colorado Checking Account

VISA® Check Card*
Looks like a credit card but works like a check. The Visa Check card can be used anywhere Visa cards are accepted and the charges are deducted from your checking account. There is no annual fee.

*Subject to credit approval.

Visa® Extras*
Reaching for your Vectra Bank Check Card just got even more rewarding. VISA Extras allows you to earn points on qualified purchases you make everyday while dining out, shopping online or even paying monthly bills. You’ll earn one point for each $1.00 of a qualified purchase made with your enrolled check card. Points can be redeemed for rewards such as travel certificates, movie tickets, retail certificates, and much more. The more you use your Vectra Bank Check Card, the more rewards you’ll earn. Best of all – it’s free! To start earning points, enroll today. All you have to do is register your existing Vectra Bank Check Card online at www.visaextras.com or by phone at (800) 960-8472.

Reddi-Access®
Enjoy 24-hour access at nearly 90 Vectra Bank Colorado Reddi-Access automated teller machines. You can also access your account through all major network ATMs for a small fee.

Reddi-Response - 24 Hour Bank-by-Phone
Get information on your accounts, transfer money, order checks or access other useful services all with your touch-tone phone. Call us toll-free 1-888-648-7850 to access this information 24 hours a day.

Personal Internet Banking
Like having a Vectra Bank branch right in your own home! Check your balances, transfer money, even pay your bills, all from the convenience of your home or work. If you have access to the internet, you have access to your Vectra Bank accounts 24 hours a day, 7 days a week. Personal Internet Banking is the quickest and easiest way to handle all your individual and family finances. Best of all – it’s free!

Bill Pay
Bill Pay is FREE and easy-to-use service that allows you to pay bills online giving you more flexibility and control of your budget. Bill Pay tracks due dates and amounts for every bill, sends payments immediately with a single click, and automatically debits your account for hassle-free checkbook balancing.

PC Banking
With PC Banking, manage your home finances easily using financial software such as Intuittm Quicken or Miscrosofttm Money. Download account information, transfer funds, pay bills, and balance your checkbook – all from the money management tool you are already using.

Direct Deposit
Your Social Security income, or other authorized deposit, can be transferred directly into your Vectra Bank Colorado checking or savings account. It's safe, secure, and gives you access to your money at the start of the business payday.

ServiceNow!
Vectra Bank Colorado's ServiceNow! for checking provides you with simplified record keeping, easier storage of your checking records and faster answers. ServiceNow! for checking is a better way to provide you with customer-service excellence. Here's how it works:

1. On a daily basis, we digitally scan the front and back of all deposit slips and checks.

2. We then permanently store the information in our computer system.

3. Finally, if you choose, your monthly statement will include Check Copies - displaying the digital images of the front of the canceled checks and cleared deposits included in that statement.

Safe Keeping
If you elect the Safe Keeping option, balancing your checkbook is easier and faster. You will not receive check copies but you will still receive your monthly statement, which is legally admissible evidence in case of disputes. The greatest benefit is that you will no longer have to store your checks.

And if you have questions about activity in your account, our Customer Service representatives will answer your questions over the phone and, if needed, fax or mail a copy of your check or deposit to you.

Note: Terms may be altered at any time.

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