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Business Checking Options

Choose the best business tools for your company:

SMALL BUSINESS CHECKING
Designed for smaller businesses that have less transaction volume.

NON-PROFIT CHECKING
This account is designed for qualified non-profits.

COMMERCIAL CHECKING
Low monthly service charge and a “pay for what you use” fee system makes this an attractive account for most businesses. The higher balance you maintain, the more you save on service charges.

COMMERCIAL CHECKING WITH INTEREST
An account with the flexibility your business needs. This account earns interest.

BUSINESS MONEY MARKET
A great complement to our business checking programs. This account earns interest.

BUSINESS SAVINGS
With this account you have immediate access to your money, and this account earns interest.

BUSINESS INTERNET BANKING
PremierEcorp (our business internet banking solution) offers the  flexibility of secure, anytime/anywhere cash management with real-time transaction inquiries and ACH. This program provides high-performance, 24/7 online banking, corporate cash management with a full range of e-commerce, core banking and imaging systems.

MERCHANT DEPOSIT CAPTURE
Merchant Deposit Capture saves time and money. At your place of business, you’ll scan check items and create images with a computer scanner. After you create and send the deposit, the funds are deposited into your bank account. No trips to the bank (although we enjoy seeing you).

For current interest rates, account features, terms and fees, please call or visit the branch closest to you.

Eagle Checking

  • Our Free Signature Checking
  • Minimum opening balance $100
  • No service charges
  • Optional Benefits: Visa Check Card; Free Online Banking and Bill Pay

This account earns standard interest rates and a higher E-Rate (up to $25,000) and up to $30 per month in ATM refunds as long as you have at least 10 check card posted transactions, receive an electronic statement and perform one direct deposit or ACH Auto Debit each cycle.

Traditional Savings

  • Minimum opening balance $100
  • Minimum balance to avoid service charges $100
  • Monthly service charge $2
  • Four withdrawals per month FREE
  • $2 each additional withdrawal
  • Optional Benefits: ATM Card; Free Online Banking
  • Visa Check Card (if tied to a Checking Account)

This account earns interest, please check with us for current interest rate schedules.

Eagle Youth Savings

  • Minimum opening balance $25
  • Minimum balance to avoid service charges $25
  • Four withdrawals per month FREE
  • $2 each additional withdrawal

Optional Benefits: Free Online Banking. This account earns a higher interest rate when your parents have a First Southwest Bank checking account. Please check with us for current rates.

eChecking

  • Minimum opening balance $100
  • Minimum balance to avoid service charges $100
  • Monthly service charge with Check Images $8
  • Monthly service charge - Truncated Statement $5
  • Processing fees: 10 checks per month FREE
  • After 10 checks only 30¢ per check
  • Unlimited Electronic Items FREE
  • Optional Benefits: ATM Card; Visa Check Card; Overdraft Protection;
  • Free Online Banking and Bill Pay. This account does not earn interest.

This account allows for unlimited electronic items and Free Online Bill Pay.

Fixed Rate, Adjustable Rate, Jumbo Loans & More.

Let's start by getting together to see what you need. We can run the numbers for you, get you pre-approved so you can shop with confidence, and then close the deal in time for the moving boxes! 

Buying a home is one of the biggest decisions you’ll make. When you decide to work with us, we will earn that continued trust every step of the way. And once you're here, you may want to look into our checking and savings programs too.
For more information, please contact:

Cindy Leewitt
NMLS#897763
970-731-6956
Cindy.Leewitt@fswb.com
Try First Southwest Bank's (NMLS# 504376) "no-hassle" application.
Apply Now
 

Online Banking

We fully understand that you need quick and easy access to your money, your accounts and transaction options while on the go. We promise to continually strive to provide our customers with best-in-class online and mobile products and services.

Online Banking

We fully understand that you need quick and easy access to your money, your accounts and transaction options while on the go. We promise to continually strive to provide our customers with best-in-class online and mobile products and services.

Top SBA and USDA Lender

First Southwest Bank is one of the state's best SBA lenders - included in the top 25 in 2014. We're also widely-known as one of the most active USDA lenders in the state. That means we know the ins and outs of the Small Business Administration's and government financing programs and can help you navigate through to get the best credit enhanced program for you. Our expert, Sherry Waner, is waiting to hear from you! To read about how we assisted White Rock Specialties in Mosca, Colorado with their growth through a USDA program, click here.
 

Unique Lending Programs

The First Southwest Community Fund Intermediary Relending Program (IRP) provides low cost loans to businesses in rural communities that create jobs. For each proposed IRP project, First Southwest Community Fund will evaluate the benefits to rural development at large, the partner organizations that can assist, and the impacts that can be tracked as a result of the investment. 

Learn more about our unique lending program through the First Southwest Community Fund at fscf.org.

Additionally, First Southwest Bank is proud to receive $5,000,000 through the USDA Rural Development Community Facilities Program. First Southwest Bank was one of 26 entities nationwide, and the only one in Colorado, to receive an award in 2016. This money will be used to facilitate funding for critical community facilities and nonprofits, such as libraries, fire stations and police stations, which often face unique roadblocks to securing funding. If you work for, or know of, a critical community facility that needs funding, Sherry Waner would love to meet with you.
 

We're In the AG Business Too

What we grow is YOUR agricultural business! And we do that by knowing AG lending. We've been a big part of helping Agricultural Businesses grow in the San Luis Valley for years and have expanded that expertise to all of the markets we serve in Southwest Colorado.

We have experienced teams in all of our branches. Please give us a call. Or feel free to contact Jeni Jack-Goodwin, our bank's President, directly at 719.587.4200 extension 4225.

What We Offer

 

  • Personal Fixed Rate Loans
  • Overdraft Protection for Your Checking Account
  • Automobile Loans - New and Pre-Owned
  • RV, Boat, Motorcycle and Land Loans
  • Home Equity Loans and Lines

A Home Equity Loan or Line of Credit can be used for almost any major expense, including:

  • Home improvement
  • Education expenses
  • Debt consolidation
  • Vacations
  • Vehicle purchases
  • Weddings
  • And much more

To apply for any of the loan programs listed above, please click here to download and complete a Consumer Loan Application (pdf). When you’ve completed the application, please print it and bring it to a lending professional at your nearest First Southwest Bank location.


The interest on your home equity loan or line of credit may even be tax deductible.*

*Speak with your tax advisor regarding deductibility.



Credit Cards - Earn Rewards
Our Consumer Credit Card Program is offered through UMB and features:

  • Competitive variable APR (annual percentage rate) for purchases, balance transfers, and cash advances
  • Introductory offer of 0% APR for the first 12 billing cycles for balances transferred within 60 days from account opening
  • Balance Transfer fee is three percent (3%) of the amount of the Balance transferred, with a $15 minimum and no maximum
  • Rewards Program
  • Earn 1 point per dollar spent on qualifying purchases
  • Redeem Points for merchandise, travel, sporting events, concerts, gift cards, account credit and even donate your points to charity
  • No annual fee
  • Visa’s Zero Liability fraud protection
 

APPLY NOW

 

 

Health Savings Account

  • Open to individuals and families. You must have a high deductible health plan
  • Minimum opening balance $100
  • Minimum balance to avoid service charges None

Optional Benefits: Visa Check Card; Free Online
Banking. This account earns interest, please check with us for current rates.

Investment Checking

  • Minimum opening deposit $1,000
  • Balance to avoid monthly service charge $1,000
  • If balance falls below $1,000, monthly service charge of $25
  • Check Images with monthly statement $3
  • Truncated Statement FREE
  • Processing fees: Unlimited Check Writing FREE
  • Optional Benefits: ATM Card; Visa Check Card; Free Online Banking and Bill Pay. Please check with us for current interest rate schedules.

For your personal needs only. Balance required to earn interest is $10,000.

Mobile Banking

Download our FSWB-APP for Apple or Android devices and get all the convenient features of online banking on your mobile phone or tablet device.

Mobile Banking

Download our FSWB-APP for Apple and Android devices and get all the convenient features of online banking on your mobile phone or tablet device.

Simply Rewards Visa

Earn more rewards for all your everyday purchases.1

3x the points
1x the points
Apply Online Today
for a
Simply Rewards™
Visa® Credit Card

 

Apply Now
 

 

Branch: Ask an associate for details.

We make it easy to redeem

Access your account to see how many points you’ve earned through online banking or your monthly statement at www.cardcenterdirect.com.

Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.1

 

Additional Visa Benefits

Fraud Protection
Visa’s Zero Liability Policy means your won’t be held responsible for any unauthorized charges made with your card or account information.2

Others
Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.3

 

Online Credit Card Control

View transactions, pay bills and track expenses.

Includes eStatements with 18 months of history.

Learn more about our competitive rates and fees.

 

Cardholder Self-Service Contacts

Online Account Access – www.cardcenterdirect.com

Rewards Points Redemption – www.cardcenterdirect.com

Customer Service – 1.800.821.5184

 

Cards issued by UMB Bank, n.a.
1Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.
2Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
3See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

Trusted Investment Partner

While Scott Strategic Investments operates independently from First Southwest Bank, we have developed a trusted relationship with both Bob Scott and Anthony Doctor and recommend you explore a possible relationship with their firm if you are interested in investments and wealth management. Bob and Anthony are happy to make appointments with you to discuss your financial wellness and goals, and can meet you at any of our branch locations.

To learn more about what Bob Scott and Anthony Doctor can offer you,
please visit their website.


Important Information:
Securities offered through Raymond James Financial Services, Inc. member
FINRA/SIPC, and are:
not deposits, not insured by the FDIC or any other government agency, not guaranteed by the bank and are subject to risk and may lose value.

 
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. Raymond James is not affiliated with Scott Strategic Investments or First Southwest Bank.

Check the background of this firm on FINRA's BrokerCheck.

Savings Tips and Information

For full disclosures, account fee information and other terms, rates and information, please stop by or call the branch location most convenient for you. Information subject to change.

Senior Checking

  • If you have 55 or more years of life experience, this account is for you.
  • Minimum opening balance $100
  • Minimum balance to avoid service charges None
  • Monthly service charge with Check Images $2
  • Monthly service charge — Truncated Statement Free
  • Processing fees: Unlimited Check Writing FREE
  • Optional Benefits: ATM Card; Visa Check Card; Overdraft Protection;
  • Free Online Banking; Free Cashier’s Checks; Free Branded Checks. This account does not earn interest.

Personal Money Market Account

  • Personal Money Market Account. For people who require only a few withdrawals, this interest-earning option might be for you.
  • Minimum opening deposit $1,000
  • Minimum balance to avoid service charges $1,000
  • Monthly service charge with Check Images $11
  • Monthly service charge — Truncated Statement $8
  • Processing fees: Three checks per month FREE
  • After 3 checks $10 per check
  • Six transactions per month FREE
  • Not more than three by check

Optional Benefits: ATM Card; Visa Check Card; Free Online Banking;
Overdraft Protection. This account earns interest. Please check with us for current interest rate schedules.

Be sure to ask about Overdraft Protection - a loan that can be tied to your account and accessed when you need to.