Convenient and easy. And most accounts are free!

All First National Bank Colorado personal checking accounts include:

  • Unlimited access to the best customer service anywhere – in person, by phone or online
  • Free VISA® Debit Card for fast, easy purchasing wherever VISA® cards are accepted
  • Free Online Banking and Bill Pay
  • Unlimited check writing with no per check charge
  • Free eStatements (otherwise a $3 fee per paper statement)
  • Free thank you gift

For interest rates on interest-bearing checking accounts please contact us or visit us at any First National Bank Colorado location.

Totally Free E Checking*

Totally Free E Checking is the account of choice for so many people – and no wonder. It’s so easy! There’s no minimum balance requirement, so you’re not always moving money between accounts.

  • No minimum balance
  • No monthly service charge

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50+ Free Interest E Checking*

Are you 50+? Remember that you’re not getting older; your checking account is getting better! With our 50+ Free Interest E Checking, you qualify for special perks:

  • Free personalized checks
  • Competitive interest rates
  • No minimum balance
  • No monthly service charge

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VIP Free Interest E Checking*

With VIP Free Interest E Checking, we pay you to have your checking account with us. Simply arrange for direct deposit or any automatic payment into your account on a monthly basis and you’ll earn money on your money.

  • Competitive interest rates
  • No minimum balance
  • No monthly service charge

Open New Account


Wall Street E Checking*

The Wall Street E Checking account rewards you for maintaining higher balances.

  • Higher interest rates with balances of $1500 or more
  • Competitive interest rate if your balance falls below $1500
  • $10 monthly charge if your minimum balance falls below $1000


Cash at Hand E Checking*

With Cash at Hand E Checking, you’re reimbursed for some ATM fees.

  • Competitive interest rates with two tiers available
  • Account will be rebated up to $20 per statement cycle when a non-FNB ATM is used (international transactions not included). **
  • $10 monthly charge if your average balance falls below $2500


All checking accounts come with a free Visa® Debit Card.

We know you – you love how easy it is to pay with a credit card but you hate the bill at the end of the month! That’s why all our checking accounts come with a free Visa® Debit Card. It’s as easy to use as a Visa credit card but the money comes straight from your checking account when you use it to make a purchase.


A network of ATMs worldwide.

Your Visa® Debit Card is tied to the Pulse, PLUS™ and STAR Networks so you have access to your money wherever you travel almost anywhere in the world. ATM fees may apply.


Credit Cards

The First National Bank Colorado credit card is a great way to manage everyday expenses. You’ll get hometown convenience with worldwide acceptance. Apply today!


See account disclosures for additional information.

* Your first order of standard checks is free.  There is a $3 fee per paper statement on all personal E Checking accounts.

** Transactions include withdrawals, inquiries and transfers.

​Offer good on personal accounts only – business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Minimum opening deposit is only $50. Please ask us for details.