Personal Checking & Savings

High Value
Easy Flexibility

Citywide Banks offers several choices of checking and savings accounts based on the benefits that best fit your household's needs. Take advantage of mobile banking with remote depositonline bill pay, and personal debit cards. 

These Options Are Included with Most Accounts

Online & Mobile Banking:

Monitor transactions, transfer funds, setup custom alerts, configure bill pay, and depost checks remotely

Citywide Banks offers the convenience of online banking to manage your checking or savings accounts. Download our free mobile banking app for your smartphone or tablet, and you can access your account and deposit paper checks while on-the-go. 

Personal Debit Cards:

Make Purchases and Access Your Cash 24/7

Use Citywide Banks VISA® debit card to make purchases anywhere VISA credit cards are accepted, like grocery stores, gas stations, and online retailers. Unlike credit cards, the money comes right out of your checking account. The card can also be used at Allpoint ATM to withdrawal cash without a surcharge fee.

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. 

OneClick Bill Pay:

Send One-Time or Recurring Payments to Anyone

OneClick Bill Pay is a powerful bill payment tool that's connected to your Citywide Banks personal checking account. It empowers you with the ability to pay all your bills without having to write a check or pay postage. 

APPLE Pay:

Setup APPLE Pay™ to Securely Make Debit Purchase 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.

Remote Deposit Anywhere:

Deposit paper checks with your smartphone

Using the Citywide Banks mobile banking app, deposit a paper check by photographing the check with the mobile device’s camera.  

Overdraft Protection:

Elect whether or not to allow debit or atm transactions to overdraw account

Federal regulations dictate how debit and ATM card related overdrafts are handled for checking accounts at all banks, including Citywide Banks. Citywide is unable to cover certain overdrafts unless the customer gives permission to do so.

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.

Telephone Banking:

Voice-Choice Telephone Banking - 303.364.6000

VoiceChoice is the 24-hour telephone connection to your personal accounts at Citywide Banks. Get account balance, verify recent transactions, transfer funds between accounts, and more by calling 303-364-6000.

Personal Checking & Savings Account Choices

Key Benefits

Key Features

PERSONAL ECONOMY Checking
Designed for individuals who anticipate low account activity and prefer predictable fees without having to worry about maintaining a specific balance

  • Low predictable fee
  • No minimum balance requirement
  • $4 monthly fee
  • Limited to 10 checks per month at no charge
  • Debit card with no annual fee
  • Optional mobile banking app with remote deposit

PERSONAL Checking
Designed for individuals that write a higher number of checks and are interested in maintaining a specific balance to avoid monthly service charges

  • Allows a higher level of activity at no charge
  • $8 monthly service fee if daily balance falls below $800 (waived for first year)
  • Unlimited transactions
  • Debit card with no annual fee
  • Optional mobile banking app with remote deposit

PERSONAL INTEREST Checking
Designed for those who wish to earn interest on deposits while keeping the convenience of unlimited check writing

  • Earn interest on deposits
  • Liquidity and flexibility of writing checks from account 
  • Earn interest on daily ledger balance
  • Unlimited withdrawals
  • $10 monthly service fee if daily balance falls below $1,500
  • Debit card with no annual fee
  • Optional mobile banking app with remote deposit

SENIOR ADVANTAGE Checking
An interest-bearing checking account tailored for individuals 55 years of age and older

  • Earn competitive interest rate on daily ledger balances

Personal SAVINGS
Designed for individuals that wish to earn interest on deposits
(subject to maximum allowable limits)

  • Earn interest on deposits
  • Earn interest on daily ledger balance
  • $4/mo service fee waived if $300 daily balance maintained
  • Three withdrawals per month at no charge

Personal MONEY MARKET 
Designed for those who wish to combine 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 if balance falls below $1,000
  • Six withdrawals per month at no charge
  • Optional mobile banking app with remote deposit

HEALTH SAVINGS Account (HSA) 
An account designed for individuals who participate in an high-deductible health insurance plan. The account sets aside tax-deductible funds for qualified medical expenses.

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

  • Earn tiered, interest rate on daily ledger balances over $100
  • Interest earned may be tax-deferred**
  • Contributions are excluded from income (subject to max allowable limits**)
  • HSA assets are not taxable if used for qualified medical expenses**
  • $3/mo service fee waived if $1,000 daily balance maintained
  • Unlimited withdrawls
  • Debit card with no annual fee
  • Optional mobile banking app with remote deposit

TRADITIONAL Individual Retirement Account (IRA)
A tax advantaged retirement account where contributions are tax deferred**

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

  • Contributions may be tax-deductible**
  • Earnings remain invested tax-deferred, enabling investment balances to compound quicker**
  • No maximum income limits**
  • Choose from fixed rate ($500 minimum deposit) or variable rate ($100 minimum deposit)
  • Penalty for early withdrawal**

ROTH Individual Retirement Account (IRA)
A tax advantaged retirement account where contributions are pre-taxed**

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

  • Contributions are pre-taxed
  • Earnings and qualified distributions may be tax free
  • Maximum income limits apply
  • Choose from fixed rate ($500 minimum deposit) or variable rate ($100 minimum deposit)
  • Penalty for early withdrawal**

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)

CERTIFICATE of Deposit (CD)
CDs are designed for those that don't need immediate access to funds and wish to gain a higher rate of interest beyond a traditional savings or money market account. Generally, the longer the CD term, the higher the interest rate.

  • Fixed rate of return over CD term
  • May offer tax benefits with IRA CD**
  • Multiple term options ranging from 3 months to 5 years
  • Penalty for early withdrawal**
We have been working with Citywide since 2000 because they have invested in knowing our business well enough to make banking recommendations where other banks haven't.

Cybersecurity Tips & Tools

Protecting your account from online fraud is a priority for Citywide Banks. Through our technology investments, online banking security measures, privacy policies, and data handling procedures, we are working hard to protect your money and information. However, successful fraud protection requires your involvement. Check out our cybersecurity video, basic security tips, account tools, and best practices for businesses in this special resource center. 

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 our local community.

About Citywide Banks

Get In Touch

Connect with a Citywide Banks representative to discover how we can help with your banking needs. Stop by one of our 12 branches, email us, or call us.

303-365-3650