Community Support
As part of our #SmallAndMighty awareness campaign, Alpine Bank encourages customers and community members to do business with local retailers, restaurants and service businesses this holiday season and beyond. Here’s why:
- When you spend $100 at a small business, $48 stays in the community to be spent elsewhere. Spend the same $100 at a big-box store or national retailer and only $14 stays.*
- 97% of businesses in Colorado are independently owned. Buying from independent businesses is good for communities, good for the economy and good for your conscience — because you’re supporting neighbors and friends.
*Source: Small Business Administration
Small and Mighty!
Learn about some innovative Colorado small businesses and the people behind them. #SupportSmallBusiness
Read more
How We Support Small Businesses
Alpine Bank values Independence. The backbone of our business is small business. Why bank with Alpine? We see you. We value you. We hear you. We know you. We were you.
- Flexible Financing
- Local Services
- Personal Attention
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Business Checking
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Business Checking with Interest
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Earns interest? No
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Earns interest? Yes1
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Features
- No minimum balance requirements
- Unlimited monthly transactions at low per-item fees2
- Receive an earnings credit to offset or minimize monthly fees incurred3
- Overdraft privilege available4
- Surcharge-free ATMs - learn more5
- Online banking with bill pay6
- Debit card with no annual fee
- Monthly maintenance fee: $5
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Features
- No minimum balance requirements
- Unlimited monthly transactions at low per-item fees2
- Receive an earnings credit to offset or minimize monthly fees incurred3
- Overdraft privilege available4
- Surcharge-free ATMs - learn more5
- Online banking with bill pay6
- Debit card with no annual fee
- Monthly maintenance fee: $5
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1Please see a customer service representative or personal banking representative for current rate information, calculation method and to obtain a copy of our Truth in Savings Disclosure.
2Per-item fees: $0.15 per ledger entry and $0.10 per deposited item.
3You will receive a credit of $0.20 per $100.00 average collected balance during the statement period, up to the total amount of the monthly maintenance fee.
4Overdraft Privilege will be available to use the first business day following a 30-calendar day waiting period. As long as your account is in good standing, your current overdraft limit may be available for checks and other transactions made using your checking account number, automatic bill payments, recurring debit card transactions, Debit/POS transactions and ATM transactions. Standard nonsufficient funds fees will still apply; $15.00 for overdraft items of $15.00 or less and $38.00 for overdraft items exceeding $15.00. Please speak with a customer service representative or personal banking representative, or refer to the product terms and conditions for more details.
5If using any international, non-Allpoint or non-Alpine Bank ATM, the $2.00 ATM fee per withdrawal will still apply, as well as any fee charged by the third-party ATM holder.
6Certain transaction fees and limitations apply. Please refer to the product terms and conditions.
Business Loans
*All loans are subject to Alpine Bank’s standard underwriting requirements.
Commercial Real Estate Loans
- For the purchase, refinance, or construction of commercial properties. These loans are available for owner-occupied or investment properties.
- We offer a variety of commercial loan programs to meet your specific business and financial needs.
- Our lending professionals have working knowledge of the local real estate market in your area.
- All decision-making and processing is handled right here in Colorado.
- You'll enjoy friendly, attentive service from start to finish!
Vehicle Loans
- Vehicle loans for business use! Rate-discounted green loans for fuel-efficient business vehicles!
Business Ready Reserve Line of Credit
- With a Ready Reserve tied to your business checking, you get overdraft protection plus the ability to tap into a credit line when you need it most.
- Features include:
- Credit lines up to $50,000
- Easy access by check, phone, or your Alpine Bank business debit card
- Automatically advances in $500 increments (up to your available line) whenever your checking balance falls below $0
- $100 annual fee
- Five-year maturity on lines of credit greater than $25,000
- Variable interest rates tied to JPMorgan Chase Bank Prime Rate
- Information included on your monthly checking account statement
Business Credit Cards
VISA® Business Platinum
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VISA® Business Platinum Rewards
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VISA® Commercial Purchasing One
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Annual Fees None
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Annual Fees None
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Annual Fees None
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Best For Carrying a balance
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Best For Rewards
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Designed For Nonprofit organizations and monthly fund management
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APR for Purchases
- 0% introductory APR for 6 months
- After that, your APR will be Prime + 4.74% to 12.74% based on your creditworthiness
- This APR will vary with the market based on the Prime Rate
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APR for Purchases
- Prime + 8.74% to 14.74% based on your creditworthiness
- This APR will vary with the market based on the Prime Rate
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APR for Purchases
- APR – Not Applicable, Paid in full
- Failure to pay the balance due in full monthly by the payment due date will be considered an event of default and trigger an interest accrual of Prime + 13.74%.
- This APR will vary with the market based on the Prime Rate
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APR for Cash Advances*
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APR for Cash Advances*
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APR for Cash Advances*
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Rewards None
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Rewards 1 point for every $1.00 spent
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Rewards None
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Bonus Points None
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Bonus Points 5,000 points upon first $3,000.00 spent in first 4 billing cycles
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Bonus Points None
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Additional Information
TRANSACTION FEES
- Balance Transfers: $10 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance: $10 or 4% of the amount of each cash advance, whichever is greater.
- No Foreign Transaction Fees.
PENALTY FEES
- Late Payment: Up to $35
- Return Payment: Up to $35
- Over the Credit Limit: Up to $35
MINIMUM INTEREST CHARGE
If you are charged interest, the charge will be no less than $1.00
*Interest begins accruing on the transaction date