FAQs
We are here to help answer your questions anytime. Below are some answers to common questions, or you can come in and talk to us personally, and we would be happy to answer any questions you may have.
WARNING: Never Provide Personal Information! Remember to never give out private information over the telephone.
General Information
Yes! Del Norte Bank is proudly a mutual bank, owned by its depositors. Our focus is on the welfare of our members and the community.
We offer all the basic services you expect from a modern financial institution:
Deposit Accounts
- Checking accounts
- Savings accounts
- Certificates of deposits
- Money market accounts
- Debit cards
- Wires
Loans
- Personal loans
- Mortgage loans
- Commercial loans
- Lines of credit
Plus Many Services You May Expect Only From a Larger Institution
- Internet banking
- Safe deposit boxes
- Cash advances
- Commercial services
- International wires
- Currency exchange
Nosotros hablamos español. Tenemos empleados que hablan español. Si nos avisas antes de llegar, podemos asegurarte que hay alguien disponible para ti.
Banking
You can call Del Norte Bank at 719-657-3376 during regular business hours, or you can call 1-877-226-2351, which is available 24 hours, seven days a week.
Call us.
Call Deluxe at 1-800-335-8931, or visit them online—click here.
There are a couple of things you’ll need to open a personal account:
- Valid photo ID
- Social Security number
- Address
- Phone number
Corporate accounts are a little different:
- Corporate resolution or minutes showing how the account should be opened
- Federal tax identification number
- Address
- Phone number
Open a new account without ever setting foot in the bank.
Yes, but not in the form of a loan. We can set up overdraft protection as a link and an automatic transfer from a savings account.
Yes, but not in the form of a loan. We can set up overdraft protection as a link and an automatic transfer from a savings account. Ask our team to set it up for you.
Call 866-661-8548—the service is available 24 hours, seven days a week.
You can use your debit card up to 20 times per day for a maximum of $500 in ATM withdrawals and $2,500 in purchases. You can request temporary increases if you have a large purchase or special circumstances.
We can provide one immediately at our Del Norte Office.
If we order one, it takes about two weeks.
Contact us for wire instructions at 719.657.3376. We utilize a correspondent bank and will send you specific instructions.
Borrow
We have a special niche in financing local farms and businesses. Our lenders have special experience and training to be good, thoughtful lenders in this particular area.
Contact us and we’ll send one to you. Or better yet, you can apply online. Click Here!
This verifies money you have either in a deposit or savings account, brokerage account, IRA, or retirement account.
This documentation proves your gross monthly income. We will accept these types of verification of income: current pay stubs, previous years signed income tax returns, previous years W-2 forms, verification of employment form completed by your employer, or a signed letter from your employer stating your monthly gross income.
Collateral is something that you own and secures your loan. Depending on the type of loan you are seeking, collateral can be many things—your home, automobile, livestock, land, etc. By offering collateral for your loan, the bank is assured the loan will be paid.
To apply for a mortgage loan, you will need to complete the mortgage loan application, provide verification of employment, verification of income, and verification of assets.
It’s best to get pre-approved to purchase a home. To get pre-approved, you will need to complete the mortgage loan application, provide verification of employment, verification of income, and verification of assets.
Ever apply for a loan and then receive multiple phone calls from solicitors wanting to provide you with credit? You are not alone. To learn why, and how to stop these inquires, please click HERE to download a PDF.
Online Banking
With Del Norte Bank’s Online BillPay, it’s as easy as 1-2-3. Just choose a bill, enter your information and decide how much and when to pay it. You’ll have total control with fewer steps and more protection. You can pay any company or any person any amount on the date you choose.
- Pay any bill in three easy steps
- Pay any company or person with a U.S. Address
- Stay on top of who gets paid, when and how much
- P2P
Just three simple steps, and you’re done. It’s fast, easy, and you are in complete control of all your payments. We just made it even simpler to pay your bills online.
If you wish to make a change to your login or accounts, please contact us. Username and password information may be deleted upon request. Information such as your usage history, account information, and banking activity will be retained in compliance with regulatory guidelines.
We will only accept, see, and delete data requests made by calling us at 719-657-3376.
Security Information
Online security matters to you because everyone is a target, and hackers know that most users have limited or no experience with online security. Here are a few steps you can take to better protect yourself.
PC security consists of having different usernames and complex passwords, which means you have alpha, numeric, and special characters with a minimum length of eight characters long. These passwords should be changed every 90 days. You should have anti-virus protection with updated definitions checked periodically. It will do you no good to have virus protection if updates are not being done. Make sure you do software updates and security patches to operating systems and different software you have loaded on your PC. Hackers are constantly looking for vulnerabilities to exploit your system. Limit who has access to your PC. Makes sure you have password protected screen savers to come on after 10 minutes of inactivity. If you are using a laptop, make sure your hard drive is encrypted in case you lose it or someone steals it. If your hard drive is encrypted, personal information cannot be accessed.
Mobile devices—such as tablets, iPads, and smartphones—should have password protection enabled on them, especially if business is being conducted on them. Like PCs, you want to make sure all software is up to date, as it poses a vulnerability that the hacker can exploit if updates are not being done. You also want to make sure you have the capability to do a remote wipe of your mobile device in the event you misplace it or it is stolen. This will erase all the information from the device.
Limit where you are going on the internet. Turn on your pop blocker, and know the company and website you are visiting.
Best practice security habits for email is knowing who is sending you emails. Never click on a link or an attachment from someone you do not know or if the email looks or seems funny. A good way to get a virus is through an email. Hackers have done such a great job of making the emails look legitimate—they fool the best of us. These are called phishing emails. Education and awareness is key here. Once a virus/malware is loaded on the machine, they can use it to steal information. Worse, they can use the infected machine to act like the dummy machine and send out attacks to other areas of the network. Use extreme caution when surfing the internet. We are touching so many areas that we are not even aware of.
We hope you have a better understanding of what online security is, what it includes, and some best practices. The last thing that we all want is a breach of our data, knowing we could have prevented it had we taken the proper steps to secure our data.
Call your local police department of file a complaint at the Internet Crime Complaint Center
Credit Report
There is only one website authorized to fill orders for the free annual credit report you are entitled to under law
- Equifax (Credit reporting agency)
- Experian
(Credit reporting agency) - TransUnion (Credit reporting agency)