Business Banking
Built for Your Business: Banking with Backbone
Local businesses are the backbone of our communities, and Del Norte Bank is here to help you thrive. From checking and savings to merchant services and business loans, we offer the tools you need, backed by people who know your name and understand your business.
Bank
Business Checking
Straightforward checking accounts built for businesses of all sizes, with clear terms and low fees.
Business Savings, CDs & Money Market
Earn interest on your reserves or lock in a competitive CD rate to grow your funds securely.
Business Debit Cards
Convenient purchasing power and secure access to your business accounts.
Online & Mobile Funds Management
Manage your accounts 24/7 with digital tools designed for businesses.
Merchant Services
Accept payments in-store or on the go, and manage your cash flow with tools that save you time. The best part? You’ll always get support from our local team, not a distant call center.
Borrow
Business Loans
Finance equipment, real estate, working capital, or inventory with competitive rates and local decision-making.
Agricultural Loans
Specialized lending designed for the unique needs of farmers and ranchers across the San Luis Valley.
Learn
Fraud Prevention for Businesses
Protect your business from financial threats with tips, tools, and proactive measures.
Banking Tips & Tools
From budgeting advice to financial calculators, we’ve got resources to help you plan smarter.
FAQs
Quick answers to common questions about business banking.
Bank
Business Checking
Requirements
- Minimum balance to open – $100.00
Benefits
- First 50 withdrawals/debits – complimentary
Cost
COMMERCIAL CHECKING (NON-LOCAL)
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- Service Charge of $7.50 if balance falls below $1,000.00 any day of the month
- Excessive Charge after 50 withdrawals/debits per month – $0.20 each
- Purchase own deposit slips, checks and stamps
- Debit card fees include a $3.00 issuance fee and a $10.00 replacement fee if lost
Business Savings, CDs & Money Market
Earn interest on your reserves or lock in a competitive CD rate to grow your funds securely.
Investor Savings
This is designed for high net worth households and businesses as a safe place to accumulate savings with a premium yield. Charges discourage withdrawals.
Investor Savings
This is designed for high net worth households and businesses as a safe place to accumulate savings with a premium yield. Charges discourage withdrawals.
Requirements include:
- Minimum balance to open – $10,000.00
Minimum daily balance to earn APY – $1000.00
Benefits include:
- Limited to six withdrawals per month
Interest compounded daily and paid monthly
Larger deposits pay higher rates
Cost:
- Service Charge of $9.00 if balance falls below $10,000.00 any day of the month
Money Market
Need easier access to your savings funds? This money market account offers a competitive rate of interest with limited check writing.
Money Market Checking
Need easier access to your savings funds? Del Norte Bank’s money market account offers a competitive rate of interest with limited check writing. It is designed for households or businesses who want easy access to their funds as well as a better rate of return.
Requirements include:
- Minimum balance to open – $1,000.00
- Minimum daily balance to earn APY – $1,000.00
Benefits include:
- Monthly fee with daily balance of $1,000.00 or more – no charge
- Interest compounded daily and paid monthly
- Larger deposits pay higher rate
Cost:
- Service charge of $5.00 if balance falls below $1,000.00 any day of the month
- Extra item charge after six withdrawals/debits per statement – $10.00 each
Certificate of Deposit (CD)
CD’s are a safe and sound tool to help you build your savings. Del Norte Bank offers many different terms to meet your savings needs.
Certificate of Deposit
(12 Months or Over)
CD’s are a safe and sound tool to help you build your savings. Del Norte Bank offers many different terms to meet your savings needs.
*Early withdrawal penalties apply.
Requirements include:
- Minimum balance to open – $500.00
Benefits include:
- Interest credited and compounded quarterly
- Account automatically renews
- Seven calendar days after maturity date to withdraw funds without penalty
Cost:
- Penalty of six month’s interest for early withdrawal
Certificate of Deposit
(Under Nine Months)
CD’s are a safe and sound tool to help you build your savings. Del Norte Bank offers many different terms to meet your savings needs.
*Early withdrawal penalties apply.
Requirements include:
- Minimum balance to open – $500.00
Benefits include:
- Interest credited at end of term
- Account automatically renews
- Seven calendar days after maturity date to withdraw funds without penalty
Cost:
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Penalty of three month’s interest for early withdrawal
Business Debit Cards
A business debit card empowers companies with:
- Debt-free, real-time spending control
- Reduced costs and good transaction visibility
- Monitored fraud protection
- Simplified operations vs. checks or credit cards
Ideal for small to mid-sized businesses prioritizing budgeting discipline, operational efficiency, and compliance.
Online & Mobile Funds Management
Our updated online portal & mobile app offers new business features you’re going to love!
Cash Management Services
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- Send and receive wires
You can fill out the form on our online banking platform. It will then be sent via a secure network to the bank. No need to interrupt your busy day by coming in to initiate it. We will follow our normal verification procedure before the item is sent for processing. - Easy ACH Origination
Need to send out a payment to a vendor electronically? Need to make a Direct Deposit to your employees’ accounts for Payroll? Create an ACH batch within your online banking and send money off without a worry. Once batches have been created, they can be saved and reused again, with the ability to change amounts as needed. There is also the option to set up recurring payments. - Stop Payment
Have a check or Electronic Transaction that you need to stop from coming out of your account? Fill out a Stop Payment form on our online banking platform and it will be sent via a secure network to the bank. No need to come in and sign. We will follow our normal verification procedure before the item is sent for processing. - Available across mobile, tablet and PC platforms
These features can be used on all PC Platforms as well as phones and tablets with no restrictions. Features can be accessed via the Del Norte Bank app, available in the apple app™ or google play store™. - Set up multiple users with different access & approval levels
Do you have an accountant that needs to see all of your transactions? Does someone else run your payroll? This feature allows you to add individuals without having to add them as a signor, or talk with us. Create their user name and password and select the areas you want them to have access to. It is completely up to you.
- Send and receive wires
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Merchant Services
Consistent Service! That’s what Del Norte Bank offers versus the other merchant processing firms. You will always contact us here, and we’ll work to solve your problem or answer your questions. It’s a complicated product, and other firms use the complexity to “hide” fees in order to make their service look cheaper up front. We don’t do that—we put all of our charges on the table so you know up front.
Our expertise comes from being a part of a larger network of community bankers that have best-in-class experience and extensive background in merchant processing, and you can sleep well knowing that we won’t rest until your problem is solved or your question is answered.
Mobile Merchant
In your business, the point of sale is an ever-moving destination. Wherever your customers are, that’s where you’ll go—which means you need a payment solution that’s as mobile as you are. However, your transaction volume might not justify the expense of purchasing a mobile payment terminal, leaving you in the position of handling credit card information in an inefficient and unsafe manner, such as by writing numbers down to call in later. As an alternative, you may be accepting checks on faith, exposing you to the possibility of loss.
Swipe Simple App
Once you’ve downloaded the application from the App StoreSM or Google Play™, a handy encrypting card reader device connects to your iPhone®, iPad®, or Android™ smartphone or tablet, enabling you to slide your customer’s credit card to capture a sale. Because the card is physically present, you avoid the higher card-not-present processing rates associated with hand-keyed transactions.
Tailored for Your on-the-go Business
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- Home and repair services—HVAC, plumbers, garage door installation
- Contractors and electricians
- Towing services
- In-home sales—home décor, cooking, beauty products
- Specialty and charity events—art shows, auctions
- Limousines and taxis
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Benefits
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- Maximize your mobile phone investment by turning it into a payment terminal
- Accept payments in real time from virtually anywhere
- Reduce your processing fees—pay lower card-present rates with the Swipe Simple app and/or encrypting card reader that allows you to swipe physical credit cards
- Offer more flexible and secure payment options
- Help your customers choose the payment method they prefer while keeping their credit card information safe
- Convey a cutting-edge, professional image to your customers
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Features
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- Compatible with iPhone®, iPad®, and Android™ smartphones and tablets
- Secure login with username and password
- Easy-to-use interface requires minimal training
- Support for all major credit card types
- Real-time mobile processing
- Fraud protection tools
- SSL encryption technology
- Real-time reporting capabilities
- Account manager to add or remove users (browser only)
- Ability to store a list of inventory items
- Tracking of cash sales
- Automatic prompts for tips and tax
- E-receipts with virtual terminal
- SMS receipts (rates may apply)
- 24/7 tech support
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Learn
Banking Tips & Tools
1. Separate Business & Personal Finances
- Open a dedicated business checking account to keep transactions clear for taxes and audits.
- Use a business credit card for expenses to build credit and simplify bookkeeping.
2. Track & Budget for Business
- Categorize expenses into operational, growth, and discretionary buckets.
- Use accounting tools like QuickBooks, Xero, or Wave for automated expense tracking and invoicing.
- Apply a modified 50/30/20 rule:
- 50% operating costs
- 30% growth/reinvestment
- 20% reserves/taxes.
3. Automate & Save
- Use our online and mobile banking platform with Treasury Management and Check21 for scanning deposits at your office.
- Set up automatic transfers for tax reserves and emergency funds.
- Maintain a 3–6 month operating reserve in a high-yield savings account like our Rainy Day Account or Investor Savings Account.
- Automate payroll and vendor payments to avoid late fees.
4. Debt & Credit Management
- Use business lines of credit strategically for cash flow gaps.
- Pay down high-interest debt first (avalanche method) or small balances for quick wins (snowball method).
5. Investment & Risk Protection
- Consider short-term investments for idle cash. Put Idle cash to work in the Investor Savings Account or build a CD Ladder with staged maturities.
- Review business insurance annually: liability, property, cyber risk, and key-person coverage.
6. Compliance & Identity Protection
- Keep business accounts compliant with local tax and banking regulations.
- Enable multi-factor authentication and fraud alerts on all accounts.
- Use services like Experian Business Credit Monitoring for identity protection.
- Use a password manager and encrypted document storage.
Open an Account
To open a business account, we’ll need:
- Proof of name registration from the state
- Verification of federal tax ID number
- List of signers on account in writing—one of the following examples would work:
- Articles of incorporation
- Corporation – We need your Bylaws
- Limited Liability Company (LLC) – We need your Operating Agreement
- Resolution
- Minutes showing designation of signers
- Copy of each signer’s driver’s license
- Each signer’s social security number
- Proof of physical address
- Proof of mailing address
- Complete a new account application
ADDITIONAL TERMS
- Interest Rate and annual Percentage Yields (APY) are variable and may change at any time at the Bank’s discretion. No floor or ceiling has been established. A minimum daily balance must be maintained to obtain the APY. The minimum daily balance that must be maintained is equal to the “Minimum Daily Balance to Earn interest” amount disclosed for each product. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the collected balance in the the account each day. We use an interest accrual basis of 365 days for each day of the year. Interest begins to accrue on the business day the bank receives credit for the deposit of non-cash items such as checks. Accrued but unpaid interest may not be paid if the account is closed. Seven days notice of withdrawal may be required.
- Pre-authorized automatic and telephonic transfers to a third party of another account of the depositor of this Bank are limited by Federal Regulation to six per statement. No more of these may be made by check, draft or similar external order to pay.
- If a new account is closed within 90 days of the open date, a $30.00 fee will be imposed.
- We may close your account at any time, with or without cause by sending out a notice and a check for the balance in our possession to which you are entitled.
Ready to grow your business?
Call us at 719-657-3376 to connect with a business banker today.