Personal Banking FAQs
Get answers to your questions about Community Banks of Colorado's personal banking services.
Personal Checking
Overdraft Privilege comes with eligible accounts as part of our standard overdraft practices. Visit our Overdraft Protection page for more information.
To apply for a checking or savings account, you will need the following information for each account owner: Social Security number, Driver's license or State ID, home address and email address. If you want to transfer money from an account at another bank, you will also need the account information and routing number found on your checks.
Access your account online, through mobile banking, by calling TeleBank24, or by visiting your local banking center.
The Community Banks of Colorado routing number is 102102013.
Hours vary by location, and can be found on our locations page.
Please visit our locations page.
Contact information can be updated through online banking, by visiting your local banking center or by calling our Client Services & Solutions team at 877.877.0395.
Call our Client Services & Solutions team at 877.877.0395.
Most funds are available next business day. Please call our Client Services & Solutions team at 877.877.0395 for more information about when your funds will be available.
Access your account online, through mobile banking, by calling TeleBank24 or by visiting your local banking center.
Personal Checking: Checks
Order new checks through online banking, or by visiting your local banking center.
Prices on checks vary by the checks selected. Premium Checking clients are offered a discount on checks, for more information call your local banking center.
We offer many ways to deposit checks. You can deposit at your local banking center, through mobile banking, or at an ATM.
Personal Checking: Credit Cards
Yes, please login to your credit card account here for more information on the alerts you can set up for your credit card.
We offer a variety of credit card options, please see visit our page with information on our credit cards and rewards.
Please login to your credit card account here, or call Elan Financial Services.
Just follow these three easy steps:
- Login to your credit card account
- From the "Your Accounts" Page, select the desired credit account. Or from "Services" select "Balance Transfer" from the "Account" section.
- Select the "Request a Convenience Check or Balance Transfer" link
Personal Checking: Debit Cards
To order a new debit card, please visit your local banking center.
If your card has been lost or stolen, please call your local banking center or our Client Services and Solutions team at 877.877.0395.
Please call 866.392.9952, your local banking center or our Client Services and Solutions team at 877.877.0395.
Please call your local banking center or our Client Services and Solutions team at 877.877.0395.
There is no fee for using Community Banks of Colorado ATMs if you are a client, for a list of Community Banks of Colorado ATMs please click here. For a list of other ATM fees, please contact your local banking center or call Client Services & Solutions at 877.877.0395.
Please call 866.392.9952, your local banking center or our Client Services and Solutions team at 877.877.0395.
Please contact your local banking center before traveling.
Signing for purchases is safer because it prevents scammers from being able to "skim" your PIN number, or by looking over your shoulder to steal your number. For more information about protecting your PIN, visit the security section.
There are many options for alerts, please visit the "Manage Alerts" section after signing in to online banking for a complete list.
Personal Checking: Online & Mobile Banking
Community Banks of Colorado Online Banking and the Cobnks Mobile Banking app make it easy for our personal and small business clients to bank anywhere with convenient features such as: view balances and recent transactions, pay recurring and one-time bills, view statements, send money to people you know and trust, transfer funds between internal and external accounts, lock your debit card with card controls, self-service username and password resets, mobile check deposit (mobile app only), and enhanced small business features, including a convenient username toggle between Personal and Small Business accounts
No! Online and Mobile Banking are complimentary tools for our clients.
You can access Online Banking by visiting cobnks.com, clicking the ‘Login’ button, and selecting ‘Personal Online’ or ‘Small Business Online’. For Mobile Banking, you can download the Cobnks Mobile Banking app from the Apple Store or the Google Play Store.
Transactions can be downloaded when viewing your account details page by selecting ‘Download’ above your transactions. You can then select your preferred formatting and time frame in which to download.
On our mobile app, after signing in, you can see your transactions by clicking on the account. You will be presented with a list of transactions in the ‘Transaction History’. Additionally, your account details can be viewed on the same screen by selecting the ‘Account Details’ button located above your transactions. Here, you will see your full account number, routing number, interest rate (if applicable) and current year to date and previous year dividends.
The mobile app provides a fast and easy way to make deposits on the go. Simply login to Cobnks Mobile Banking and select ‘Deposit’ from the menu along the bottom of the screen. Follow the on-screen instructions to deposit your check(s).
You can send and transfer money in a variety of ways, including Internal Transfers between your accounts and you can also send and receive money through Zelle® from Online Banking or the COBNKS Mobile Banking app.
If paying from an internal account, payments can be made from Online or Mobile Banking under the transfer section. You can also continue to utilize our Quick Pay feature to pay from an external account.
You can see future scheduled transfers by clicking on the account. They will show at the top of the transaction list within Online Banking and on the Cobnks Mobile Banking app.
You can add an external account for transfers to/from your Community Banks of Colorado account(s) by selecting ‘Transfers’, then ‘From Account’, then ‘Add New Account’. You can then add the account by authenticating with credentials or using micro deposits. If using the micro-deposit option, on the mobile app you can verify the micro-deposits by selecting ‘More’ in the bottom right, then selecting ‘Linked Accounts’. Under ‘External Accounts’ you will have the new relationship listed with blank spaces for the first amount and second amount. Once entered, selecting ‘Verify’ will complete the process. From Online Banking, you can click on your Name in the top right corner, then ‘Settings’ and ‘Link Accounts’.
Friend to Friend is a new transfer tool that allows friends and family who also bank with Community Banks of Colorado to transfer funds. The recipient will need to share their account number with you to set up the transfer.
We now provide a self-service password reset feature in online and mobile banking that will make it faster and more convenient to securely reset your password. You can also call our Client Services and Solutions team at 877.877.0395.
Alerts will need to be reestablished in our new Online and Mobile Banking system. To setup alerts go to ‘Settings’ and select ‘Alerts & Security’. If on a mobile device select ‘More’ and then ‘Alerts’.
You can turn your card on and off in the mobile app in the event you misplace your card or experience fraud. Our new platform also makes this option available within online banking.
You can easily change your Username/Password and update your Email Address/Phone Number by clicking ‘Setting’ then ‘Profile’ in online banking or by clicking ‘More’, then ‘Profile’ in the mobile banking app.
We now provide the ability to link your personal and business profiles together for easy connectivity. When you login to online banking, select ‘Remember This Device’ then select your name in the top right corner of the screen. Select ‘Link another profile’ and be directed to login to the other profile(s) you access. You will be prompted with a onetime security code to complete the linking process. You can then simply select your name in the top right corner and see a breakdown of any linked profiles.
From the ‘Pending Payments’ section on the Bill Payments page, click ‘Cancel’ for the appropriate payment, if it has not yet been sent. The ‘Cancel Payment?’ Window will appear. Click ‘Cancel Payment’ to complete cancelling your payment.
Yes, if your phone supports fingerprint or facial recognition such as Touch ID/Face ID, you can enable in the app, by logging in, selecting ‘More’, then under ‘Login & Security’ you can unlock for fingerprint or facial recognition.
Personal Checking: Safe Deposit Box
To open a safe deposit box, you will have to visit your local banking center. Please visit our locations page to find the location nearest you that offers Safe Deposit Boxes.
To make changes to your safe deposit box, you will have to visit your local banking center. Please visit our locations page to find the location nearest you that offers Safe Deposit Boxes.
To close your safe deposit box, you will have to visit your local banking center. Please visit our locations page to find the location nearest you that offers Safe Deposit Boxes.
Personal Checking: Savings Accounts
From a simple account like Smart Savings to interest-earning savings accounts, we have a savings solution to meet your unique needs.
Yes. We are proud to offer Coverdell Savings accounts to help you save and pay for qualified elementary, secondary, or post-secondary education expenses.
Our savings accounts have minimum balances to open. For more information, check out our Savings page.
You can apply for at a local banking center.
Certificates of Deposit (CDs) are accounts where you place money that is not readily accessible for a set period of time in order to earn more interest. For more information, please contact your local banking center.
Personal Checking: Statements
Our statements are available in paper form or online.
Enrolling in electronic statements is a safer and more convenient way to receive your monthly bank statements because you receive your statements as soon as they cut, and your account information does not sit in your mailbox.
You can enroll in electronic statements by signing into online banking, and clicking the "Customer Service" tab in the mega menu, or by visiting your local banking center.
Electronic statements are available for the previous 7 years.
Personal Checking: Wire Transfers
Outgoing wires are initiated at your local banking center.
Personal Borrowing: Home Equity
To apply for a home equity loan or line of credit please visit you local banking center.
A home equity loan is a one-time lump-sum loan, often with a fixed interest rate and a home equity line of credit is a line of revolving credit with an adjustable interest rate.
You can access your funds at your local banking center, through online banking or through mobile banking.
You can pay your home equity loan or line of credit at your local banking center, through automatic payment or by mail.
The draw period is 10 years. If the minimum monthly payment amount is paid you may have balloon balance owed and due at the loan maturity date.
The loan-to-value ratio is up to 90%, based on credit score, debt to income ratio, collateral value and overall loan amount. Please contact your local banking center for more information.