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.
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.
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)
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.
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.
Minimum balance to open – $1,000.00
Minimum daily balance to earn APY – $1,000.00
No monthly fee with daily balance of $1,000 or more
Interest is compounded daily and paid monthly
Larger deposit balances pay higher rate
Purchase own deposit slips and checks
Service Charge of 5.00 if balance falls below $1,000.00 any day of the month
Excessive Item Charge after six withdrawals/debits per statement cycle – $10.00 each
Regulation D limits transfers and withdrawals, for purposes of this limit, include preauthorized, automatic transfers (including but not limited to transfers from the savings deposit for overdraft protection or for direct bill payments) and transfers and withdrawals initiated by telephone, facsimile, or computer, and transfers made by check, debit card, or other similar order made by the depositor and payable to third parties to six per month.
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Please be advised that Del Norte Bank does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by Del Norte Bank.