Business Checking & Savings

High Value
Easy Flexibility

Citywide Banks offers your business several choices of checking and savings accounts based on the benefits that best fit your company's needs. Take advantage of advanced online banking tools, delegate payment tasks with online bill pay, save time with remote deposit, and issue employee debit cards with variable limits.

These Options Are Included with Most Accounts

Online & Mobile Banking:

Advanced portal & mobile app to manage account 24/7

Citywide Banks offers a suite of online banking tools integrated with optional Treasury Management services such as remote deposit, wire transfers, and online bill pay. Download our mobile banking app for your smartphone or tablet, and you can access your account while on-the-go.

Business Debit Cards:

Business expense cards with varied-limits by employee

Use the debit card to make purchases anywhere VISA credit cards are accepted, like office supply retailers, printers, and hotels. Unlike credit cards, the money comes right out of your business checking account. Plus with the varied-limit feature, you can set a different daily limit based on each employee’s responsibilities.

Allpoint ATM Network:

USE YOUR CITYWIDE BANKS DEBIT CARD TO GET CASH AT ANY ALLPOINT NETWORK ATM WITHOUT A FEE

Instantly withdraw cash from over 55,000 surcharge-free locations across the United States and beyond. Allpoint ATMs are located in many 7-Eleven, Safeway, Target, and Costco stores in the Denver and Boulder area.

Debit Card Fraud Alerts:

Monitor Debit Card Usage with Custom Alerts to Spot Suspicious Transactions

Setup custom alerts to notify you of purchases, transfers, and other designated activity on your personal, business, and Health Savings Account (HSA) debit card. Alerts are sent near real-time to your email or mobile phone to help you spot suspicious transactions.

BIZ 2.0 Bill Pay:

Manage payroll deposits and delegate payment tasks

This advanced online platform integrated with your Citywide Banks business checking account enables you to schedule payroll deposits to employee accounts, delegate payment tasks, set unique payment authority for multiple employees, customize financial reports for your business, and more.

APPLE Pay:

Setup Apple Pay™ to Securely Make Debit Card Purchases Using Your IPhone or IPad

Use Apple Pay and your Citywide Banks VISA® debit card to securely pay using your iPhone or iPad. Simply make purchases through your mobile device instead of swiping your card. Apple Pay transactions are authorized with TouchID™ thumbprint security (or your device passcode)

ANDROID Pay:

SETUP ANDROID PAY™ TO SECURELY MAKE DEBIT CARD PURCHASES WITH YOUR ANDROID MOBILE DEVICE

Once your debit card is setup on your device's Android Pay app, simply make purchases through your mobile device instead of swiping your card. Plus, Android Pay can be used as a payment method for many of your favorite mobile apps.

SAMSUNG Pay:

SETUP SAMSUNG PAY™ TO SECURELY MAKE DEBIT CARD PURCHASES WITH YOUR GALAXY SMARTPHONE OR TABLET

Utilizing a new proprietary technology called Magnetic Secure Transmission (MST) and Near Field Communication (NFC), Samsung Pay enables compatible Galaxy devices to make secure transactions at virtually any payment terminal in Colorado and across the world.

FDIC Protection:

FDIC Insures Up to $250,000 Per Depositor, Per Insured Bank

The FDIC deposit insurance covers each depositor up to $250,000 per insured bank. This means that account holder deposits at Citywide Banks are automatically insured by the FDIC to the standard insurance amount of $250,000 per depositor for each ownership category.

Specialized Banking Solutions by Industry:

Banking for Nonprofit Organizations

Citywide Banks understands the operational and financial challenges that nonprofits face daily. Many of our bankers have leadership roles on nonprofit boards that give them invaluable insight into relevant solutions. We understand how your capital structure, operations, and funding sources are unique. Whether your work focuses on the needs of individuals, the community, or the environment, we are prepared to be your financial partner.

Banking for HOA & Community Associations

Citywide Banks understands the complexity of funding and operating a home owners association or property management business. We will work with you to simplify the process for maintenance and improvement loans, cash flow operations, member payment collection, and more. Our local expertise in property management goes back more than five decades.

Banking for Healthcare Practices

Citywide Banks offers medical doctors, dentists, optometrists, behavioral health practioners, and other healthcare organizations an advanced suite of lending and banking solutions. We understand your practice has unique cash flow, debt position, and income trends compared to other businesses. We pride ourselves on taking the time to understand your practice goals and financial needs, so we can more effectively help your healthcare team move forward.

Banking for Title Companies

Citywide Banks offers title companies an advanced suite of financial tools aimed at improving operational efficiency and cash flow management. We understand the unique demands of the title and settlement industry. And, all of our operations, from bankers, branches, and ownership, are here in the metro Denver area. That means the quick responses and personalized attention your team deserves.

Business Checking & Savings Account Choices

Key Benefits

Key Features

BUSINESS ECONOMY Checking
Designed for small to midsize businesses that anticipate low account activity and prefer a low predictable fee with no minimum balance requirement

  • Low predictable fee

BUSINESS Checking
Designed for businesses with moderate transaction levels and the ability to maintain a specified balance to avoid account fees

  • Allows a higher level of activity at no charge

TREASURY MANAGEMENT Checking
Designed for businesses with high transaction levels, more sophisticated money-management needs, and a desire to maintain higher balances to offset fees

  • Earnings Credit (ECR) from multiple accounts can be applied to offset fees
  • Enables access to suite of add-on treasury management products 
  • No minimum balance requirement
  • $15 monthly service fee and transaction fees may be offset by ECR
  • Comprehensive account analysis statement
  • Up to six debit cards with no annual fee

BUSINESS INTEREST Checking
Exclusively designed for nonprofits and sole proprietors that do not plan on high account activity

  • Earn interest on deposits
  • Liquidity and flexibility of writing checks from account 
  • Earn interest on daily ledger balance
  • Unlimited withdrawals
  • $10 monthly service fee
  • Up to six debit cards with no annual fee
  • Optional mobile banking app 

BUSINESS SAVINGS
Designed for companies that wish to earn interest on deposits while maintaining some level of liquidity

  • Earn competitive interest rate on daily ledger balances over $1,000
  • $4/mo service fee waived if $500 daily balance maintained
  • Three withdrawals per month at no charge

Business MONEY MARKET 
A premier account that combines competitive tiered market rate of interest with some liquidity

  • Earn tiered, market rate of interest on daily ledger balances 
  • Liquidity and flexibility of writing checks from account 
  • $12/mo service fee waived if $3,000 daily balance maintained
  • Six withdrawals per month at no charge
  • Optional mobile banking app 

Simplified EMPLOYEE PENSION (SEP)
A tax advantaged retirement account that is attractive for self-employed individuals or small businesses. SEP plans offer many of the advantages of qualified retirement plans without as many reporting and disclosure requirements.**

**For eligibility requirements and tax benefits consult your tax advisor

  • Tax deduction for the employer on plan contributions**
  • Tax-deferred contributions and earnings for employees**
  • Simple to administer
  • Less expensive to maintain
  • No government reporting
  • Discretionary employer contributions from year to year
  • The employer contribution limit per employee is the lesser of 25% of employee's compensation up to a defined compensation cap or a set dollar amount (These limits are subject to annual cost-of-living adjustments)
It's comforting to know that our bank has a commitment to the community and a strong financial base.

Treasury Management Services

As your business grows, your banking needs will evolve. Citywide Banks offers more than 25 Treasury Management tools that help simplify your cash flow management, strengthen your fraud protection, and increase the earning power of your deposits. Ask about our complimentary, no-obligation Cost-Benefit Evaluation, where we can compare Citywide Banks to your current provider.

Why Citywide Banks?

For more than 50 years, Citywide Banks has been family operated and solely focused on Colorado's Front Range community. That has created a unique banking culture that continues to benefit Colorado businesses.

About Citywide Banks

Get In Touch

Connect with a Citywide Banks Commercial Banker to discover how we can help impact your business' bottom line. Stop by one of our 12 branches, email us, or call us.

303-365-3650