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Bank of Colorado Business Checking Account

Bank of Colorado Business Checking Account

Have you reached the point where you need to elevate the legitimacy of your business in the eyes of your customers, employees and business prospects? Do you need to sustain the growth of your small business by managing your cash flow? These are both momentous milestones in the growth of a business and also the two key indicators that you are ready for a business checking account. A business checking account can pave the way to achieve more business milestones more quickly.

Advantages of a Bank of Colorado Business Checking Account

Separate business and personal finances: There are a number of reasons why it's important to maintain separate records for business and personal transactions. One reason is that it will reinforce your standing as a business in the eyes of the IRS. If your personal receipts and transactions are comingled with your business transactions, the IRS may question the legitimacy of your business and disallow deductions. From a practical standpoint, a separate checking account for your business will simplify your life and increase your efficiency in tracking and managing your business cash flow.

Make your life less taxing: Having a business checking account will reduce many of the costs associated with tax preparation and filing, including your actual tax bill. By having all of your business transactions and cash flow reporting available in a separate account, you will significantly reduce the amount of time spent in tax preparation saving accounting fees or freeing your time for running your business. Secondly, you'll be less likely to miss out on any important deductions that could cost your business hundreds of dollars in additional taxes.

Elevate your business: A small business owner can only get so far using cash or a personal checking account for day-to-day transactions. Customers, vendors and employees will eventually begin to wonder if they are dealing with a legitimate business. Your business checks are a part of your brand and help form the professional image you want to convey.

Which Bank of Colorado Business Checking Account is Right for Your Business?

Your business is unique. That's why it is important to work with a bank that offers a range of account options that can meet your specific needs as your business grows. The size of your business and its cash flow requirements are key determinants in choosing a business checking account. We offer several options designed to help you optimize your cash flow management with consideration for your business' need for flexibility, liquidity and cost control. All of Bank of Colorado's business checking accounts include EDocs electronic statement, check imaging, PinnBank for Business online banking and a Bank of Colorado Visa® business debit card at no extra cost.

Free Business Checking: This account requires no minimum deposits and no minimum account balances. Accounts are allowed up to 500 free items per month.

Corporate Business Checking: While this account does charge a monthly maintenance fee, it can be offset by Earned Credits generated on the average daily balance in your account. And, because of Bank of Colorado's superior check processing and check clearing capabilities, your account will have enhanced funds availability, which can translate into lower account fees as a result of higher collected balances in your account. Corporate Business Checking includes all of the free services offered with all business checking accounts.

Commercial + Interest Checking: Designed for businesses with minimal transaction volume, the Commercial + Interest Checking account is an interest-bearing checking account that combines the benefits of Free Business Checking with the interest-earning feature of a savings account. While there is a monthly maintenance fee as well as an activity fee, the variable tiered interest rate changes weekly and credits interest monthly.

PinnBank for Business Online Banking

At the core of all of our business banking services is our enhanced online solution, PinnBank for Business, which provides your business with one integrated point of access to support all banking needs, 24/7. In addition to viewing your business's cash position and account activity in real time, it enables you to execute transactions such as transfers, PinnPay online bill payment and stop payment requests. Customers can view check images online and store statements securely through eDocs e-statements. All of your information is protected with the latest Secure Sockets Layer (SSL) technology with EV SSL Certificates.

Bank of Colorado Business Visa® Check Card

Bank of Colorado's Business Visa® Check Card works like a check and makes managing your business easier. You can use it to pay for your day-to-day business expenses, travel/entertainment and bills instead of using cash, checks or credit cards. The money comes right out of your business checking account, which is linked to the card, with no interest charges or card fees. All Bank of Colorado business check cards come with Visa-sponsored benefits, including protection against loss or theft. With UChoose Rewards®, you can earn points for qualifying purchases made with your Visa® business card.

For detailed information on any of our business checking services, contact a Bank of Colorado business banker at 1-800-789-7156 or visit one of our convenient banking centers at a location near you.

We are a member of FDIC, so all deposits are insured up to $250,000 per depositor, per ownership category. To learn more about our FDIC membership, go to www.fdic.gov and search for our name under Bank Find.

Bank of Colorado Small Business Checking | Bank of Colorado Small Business Mobile Banking |
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Bank of Colorado Cash Management | Bank of Colorado Receivables Management |
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