Personal Accounts

Safe Personal Banking

Choose From a Range of Useful Banking Options

Keep your personal checking and savings accounts at Frontier Bank, where modern features include options like identity theft insurance, online banking, and other financial benefits.

Contact us today for more information on the many account choices available. We are FDIC insured and meet all FDIC operational standards.

Frontier Advantage Checking

Frontier Advantage Checking account with Extras gives you rewards beyond banking. This account includes accidental death and dismemberment insurance as well as identity theft insurance and identity fraud support. You can also activate extra protection by enrolling in credit / debit card and SSN registration and internet monitoring. Some extra savings include rebate rewards and cash back rewards. This account is computer, tablet, and smartphone accessible. $100.00 opening deposit. Monthly maintenance fee of $10.00. No minimum balance required.

Also included is free Internet banking with 10 Bill Pay transactions per calendar month, $0.55 for each thereafter. Free debit card. Unlimited check writing. Free thrifty / safety checks (or 50% off checks of choice from Whit-Co).

*You must go to the Xtra's website to register to receive all the benefits offered with this program.

Frontier Classic Checking

$100.00 opening deposit. Monthly maintenance fee of $7.00. No minimum balance required. Free internet banking with 10 Bill Pay transactions per calendar month, $0.55 for each thereafter. Free debit card. Unlimited check writing.

Monthly maintenance fee of $7.00 is waived when you meet one of the following requirements: Online statement enrollment, a daily minimum balance of $500.00, a qualifying loan (ready reserve not eligible) or customers 55+ years.
Banking

Now Checking

$1,000.00 opening deposit. Monthly maintenance fee $10.00. Earn interest on minimum daily balance of $1,000.00. Unlimited check writing. Free debit card. Free Internet Banking with 10 Bill Pay transactions per calendar month, $0.55 for each thereafter. 

Monthly maintenance fee $10.00; waived if one of the following requirements are met: minimum daily balance of $1,000.00 or Online Statement enrollment.
Personal banking

Personal Savings Christmas Club

Christmas Savings Club pays interest at maturity. Rate may change annually. To earn interest you may not withdraw from your Christmas Savings Club until it matures on October 31st. Minimum balance $2.00, maximum balance $5,000.00 per account.

Hi-Yield Account

A $10,000 minimum opening deposit is required. A $10,000 minimum daily balance is required to AVOID service charge fees. If the balance drops below $10,000 per statement cycle, a $10.00 service charge fee will apply. Interest accrues daily and pays per statement cycle. 

A $10,000 minimum daily balance is required to earn the stated annual percentage yield. If the balance drops below $10,000 the stated annual percentage yield will revert to the stated savings annual percentage yield. Six (6) transfers are allowed per statement cycle at no charge. If over 6 transactions occur, a $5.00 charge per transfer will apply.

Money Market

Money market deposit accounts require a $1,000.00 minimum opening deposit. A $1,000.00 minimum daily balance is required to avoid service charge fees. If the balance drops below $1,000.00 per statement cycle, a $5.00 service charge fee will apply. Interest accrues daily and pays per statement cycle. 

A $1,000.00 minimum daily balance is required to earn the stated annual percentage yield. Six (6) transfers are allowed per statement cycle at no charge. If over 6 transactions occur, a $5.00 charge per transfer will apply.

Savings (25+ Years)

$100.00 minimum to open. Six (6) transfers allowed per month; if more than six transfers occur, a $5.00 charge per transfer will apply. Quarterly maintenance fee of $10.00, waived with a daily minimum balance of $300.00 or more.

Minor Savings (Under 25 Years)

$25.00 minimum to open. Six (6) transfers allowed per month; if more than six transfers occur, a $5.00 charge per transfer will apply. Quarterly service charge of $1.00, waived with daily minimum balance of $25.00 or more.

Other Personal Banking Options

  • IRA - SEP - A variety of fixed and variable rate investments are available for retirement accounts.
  • Time Certificate of Deposit - Customized investments available. We offer a wide range of terms at competitive rates.
  • Trust Accounts - Manage and distribute your assets according to your specific instructions. No bank guarantee - may lose value - NOT FDIC INSURED.
Federal Regulation D places a monthly limit on the number of transfers you may make from your savings account and / or money market account without your physical presence being required. Transfers affected by this regulation include: transfers made using online banking, transfers made using telephone banking, overdraft transfers, transfers made by customer service representative on your behalf and preauthorized, automatic, scheduled or recurring transfers. You are allowed SIX such transfers per month, per account.

  • Interest rates on all interest bearing checking and savings accounts are variable and subject to change. 
  • Simple interest is accrued on a daily collected balance.
  • Unless otherwise stated, an initial deposit of $100.00 is required to open any checking account. 
  • There is a $5.00 charge to replace a lost ATM or debit card.
Call or Visit Today

Access Your Xtra's Account
7 locations in Colorado
Alamosa - 719-589-6838
Burlington - 719-346-5526
Lamar - 719-336-4351
Pueblo - 719-296-1225
Pueblo West - 719-547-9992
Springfield - 719-523-4541
Walsh - 719-324-5206
Share by: