Checking Account Features

At Vectra Bank, we offer a variety of features with our checking accounts that will help you bank the way you want to bank!

Personal Checking Accounts

VISA® Debit Card

Money when you need it, wherever you are. That’s the ease and convenience of Vectra Bank’s no annual fee Debit Cards. Looks like a credit card, but works like a check. The debit card can be used anywhere Visa cards are accepted and allows you to pay for purchases with funds deducted directly from your checking account. You can also withdraw cash from thousands of ATMs worldwide. You can save time and more easily manage your finances by scheduling the payment of your household bills automatically through your Visa® Debit Card.

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Online Banking

View the status of your checking, savings, money market, credit card, CD, IRA, and personal loan accounts. Download transactions, transfer funds, and pay bills – all from the convenience of home or work. Online Banking is the quickest and easiest way to handle all of your individual and family finances.

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Mobile Banking

Bank wherever you are whenever you want with Vectra Mobile Banking1. You can check account balance, pay bills, review/search recent transactions and so much more!

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**Important Details**
1. Mobile Banking: Must be enrolled in Online Banking. Data rates from you wireless provider may apply.

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Check Imaging and Safe Keeping

Check Imaging
Check Imaging provides you with simplified record keeping, easier storage of your checking records and faster answers. 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 could be useful 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.

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Convenient Account Access

ATM Access
Enjoy 24–hour access at nearly 50 Vectra Bank Colorado automated teller machines and at all of the surcharge–free ATMs in the MoneyPass network!

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.

Customer Service Representatives
Personalized Customer Service is available by phone at 1-800-232-8948 (Monday – Saturday 7:00am – 7:00pm MST) or if you need assistance with Online Banking call 1-800-884-6725 (Monday – Saturday from 7:00am to 8:00pm MST).

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Direct Deposit

Save yourself a trip to the bank. Have your paycheck, Social Security income or government check automatically deposited to any of your accounts. It’s safe, secure, and gives you access to your money at the start of the business day. Visit your local Vectra Bank Colorado branch or contact Customer Service at 1-800-232-8948 to set up your direct deposit today!

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Check Reserve

You’re careful with your finances, but sometimes things just happen. Avoid the fees and hassles of overdrawing by linking your checking to this account to cover unexpected overdrafts. A Check Reserve2 is a line of credit available for limits between $300 and $10,000. When the line is used, a fee per transfer will be charged and, in most cases, will be lower than those charged for an overdraft or return item.

**Important Details**
2. Check Reserve: Subject to credit approval.

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Overdraft Protection

Vectra Bank is dedicated to providing our customers with a variety of financial solutions that meet their specific needs. We’re committed to maintaining the flexibility and convenience of your accounts with us and we’re pleased to offer you several overdraft protection options.

These options provide you with the peace of mind that your purchases could be covered even if you have insufficient funds in your primary personal checking accounts.

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Personal Checking Accounts