Checking Accounts

These days, everyone is concerned about the safety of their bank. Del Norte Bank assures your safety by being financially sound and being backed by the FDIC, most deposits are insured up to at least $250,000. Our experienced and knowledgeable staff is ready to help you with your checking account needs. We are a local mutual bank with a staff that is always friendly and committed to giving our customers the best service.

Deposit rates view more details.

Thank you for your interest in setting up an account with Del Norte Bank. We value your membership. Below is a list of items you will need to open an account. Please bring these in to the bank to setup your account. If you have any questions, you can call us at 719-657-3376.

Personal Accounts

We’ll need for each signer:

  • Copy of your driver’s license
  • Social Security number
  • Typically it takes $100 to open any given account to avoid a service charge
  • Proof of Physical Address (Utility bill, Phone bill, etc)

Complete a new personal application

Business Accounts

To open a business account, we’ll need:

  • Proof of name registration from the state
  • Federal tax ID number
  • List of signers on account in writing—one of the following examples would work:
  • Articles of incorporation
  • Resolution
  • Minutes showing designation of signers
  • Copy of each signer’s driver’s license
  • Each signer’s Social Security number
  • Proof of Physical Address (Utility bill, Phone bill, etc)

Complete a new business application

ADDITIONAL TERMS

  1. 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.
  2. 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.
  3. If a new account is closed within 90 days of the open date, a $30.00 fee will be imposed.
  4. 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.
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We offer a basic, no frills checking account designed for higher check writing volumes and yet pays a competitive rate of interest.

Requirements

  • Minimum to open – $100.00
  • Minimum daily balance to earn APY – $25.00

Benefits

  • Unlimited check writing
  • Interest compounded daily and paid monthly
  • Debit card available

Cost

  • Minimum daily balance fee $5.00 if balance falls below $500.00 any day of the month
  • Purchase own deposit slips and checks
  • Debit card fees include an initial $ 3.00 fee and a monthly fee of $ 1.00 per month

If lost or stolen $ 5.00 fee

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Requirements

  • Minimum to open – $100.00

Benefits

  • First 20 withdrawals – included
  • Debit card available

Cost

  • Debit charge after 20 withdrawals per month – $0.20 each
  • Purchase own deposit slips and checks
  • Debit card fees include an initial $ 3.00 fee and a monthly fee of $ 1.00 per month

If Lost or Stolen $ 5.00 fee

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A basic, no frills checking account designed for normal check writing volumes and yet pays a competitive rate of interest.

Requirements

  • Minimum to open – $100.00
  • Minimum daily balance to earn APY – $300.00
  • Must be 55 years of age to open

Benefits

  • Unlimited check writing
  • No monthly minimum balance fee
  • Interest compounded daily and paid monthly
  • Debit card available

Cost

  • Purchase own deposit slips and checks
  • Debit card fees include an initial $ 3.00 fee and a monthly fee of $ 1.00 per month

If lost or stolen $ 5.00 fee

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A money market account offers limited check writing and a competitive rate of interest. It is designed for households or businesses wanting easy access and a better return on “extra” funds.

Requirements

  • Minimum balance to open – $1,000.00
  • Minimum daily balance to earn APY – $1,000.00

Benefits

  • 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

  • Minimum daily balance fee $5.00 if balance falls below $1,000.00 any day of the month

Transaction fee after six withdrawals per statement – $10.00 each

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This is designed for individuals for a health savings account.

Requirements

  • No minimum balance to open
  • Must meet health savings guidelines, subject to health savings rules and regulations

Benefits

  • Unlimited check writing
  • Interest compounded daily and paid monthly

Cost

Purchase own deposit slips and checks

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Del Norte Bank | Del Norte - (719) 657-3376 | Creede - (719) 658-0126 | Mortgage - (719) 657-4558 | [email protected] | NMLS#446071

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