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Checking, Savings and Money Market Accounts

We offer a deposit product to meet your needs.

If you’re with another institution, switch your accounts to RNB/Front Range State Bank anytime from anywhere. It’s quick and easy with our Switch Kit. If you would like more information, and would like to open an account in person, just stop by one of our convenient locations. Our friendly staff makes it easy to set up a checking or savings bank account at any of our locations across the Front Range of Wyoming and Colorado. You can also reorder checks anytime using our secure Check Reorder Form.

Checking

Free Checking Account

Customers can enjoy Free Checking with no minimum balance.

  • Minimum to Open: $100
  • Interest Bearing: No
  • Maximum Checks Written: Unlimited
  • Maximum Deposits: Unlimited
  • Maximum Withdrawals: Unlimited
  • Monthly Service Charge: $0
  • Other Features: Visa Debit or ATM Card

Classic Checking

A packaged account offering a variety of products for a flat monthly fee.

  • Minimum to Open: $100
  • Interest Bearing: Collected balances over $1,000 earn interest
  • Maximum Checks Written: Unlimited
  • Maximum Deposits: Unlimited
  • Maximum Withdrawals: Unlimited
  • Monthly Service Charge: $10
  • Other Features: Visa Debit or ATM Card,
  • ½ price Money Orders, Cashier’s Checks and Personal Checks

Heritage Club Checking

For distinguished customers with a minimum age of 50…

  • Minimum to Open: $100
  • Interest Bearing: Collected balances over $1,000 earn interest
  • Maximum Checks Written: Unlimited
  • Maximum Deposits: Unlimited
  • Maximum Withdrawals: Unlimited
  • Monthly Service Charge: $0
  • Other Features: Visa Debit or ATM
  • Card, Free Heritage Club Checks
    ** Must be 50 years of age or older

Heroes Account

An account with extra benefits to recognize community heroes.

  • Minimum to Open: $100
  • Interest Bearing: Yes
  • Maximum Checks Written: Unlimited
  • Maximum Deposits: Unlimited
  • Maximum Withdrawals: Unlimited
  • Monthly Service Charge: $0
  • Other Features: Visa Debit or ATM Card, Free
  • First Box of Checks, Free Safe Deposit Box,
  • Free Cashier’s Checks and Money Orders
    ** Must be first responder or similar to qualify

Savings

Personal Savings Account

For all customers with savings needs…

  • Minimum to Open: $100
  • Interest Bearing: Yes
  • Maximum Deposits: Unlimited
  • Maximum Withdrawals: $1 per withdrawal over 6 withdrawals
  • Monthly Service Charge: $2 fee if balance falls below $200 minimum (waived for students and minors)

Peak Savings Account

For our distinguished customers under the age zero to 24…

  • Minimum Balance Required: $25
  • Interest Bearing: Yes
  • Maximum Deposits: Unlimited
  • Maximum Withdrawals: $1 per withdrawal over 6 withdrawals
  • Monthly Service Charge: $0
    ** Ages 0 – 24

Money Market Savings

  • Minimum to Open: $1,000
  • Interest Bearing: Yes
  • Maximum Deposits: Unlimited
  • Maximum Transactions: Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, computer transfer, check, draft, debit card or similar order is limited to 6 per month, with a $5 excessive fee over 6 withdrawals
  • Monthly Service Charge: $12 fee if balance falls below $1,000 minimum
  • Other: Earned tiered market interest rates apply

Certificate of Deposit

  • Minimum to Open: $500
  • Interest Bearing: Yes
  • Other Terms: Varying interest payout options, varying interest rates, varying terms, early withdrawal penalties apply

Heath Savings (HSA) Account

Designed to help save for future medical expenses…

  • Minimum Balance Required: $100
  • Interest Bearing: Collected balances over $500 earn interest
  • Maximum Deposits: Unlimited
  • Maximum Withdrawals: $5 per withdrawal over 6 withdrawals
  • Monthly Service Charge: $10 if balance falls below $100
  • Other Fees: $25 set up fee for non-customers, $20 HSA Visa Debit Card application fee

Christmas Club Account

The Christmas Club is a great way to save for holiday expenses…

  • Minimum to Open: $25
  • Interest Bearing: Yes
  • Maximum Deposits: Unlimited (not to exceed $5000 balance)
  • Maximum Withdrawals: Transfers from this account to another or third parties are not allowed
  • Other Features: Automatic savings option

Vacation Club

  • Minimum to Open: $25
  • Interest Bearing: Yes
  • Maximum Deposits: Unlimited (not to exceed $5000 balance)
  • Maximum Withdrawals: Transfers from this account to another or third parties are not allowed
  • Other Features: Automatic savings option

Individual Retirements Account (IRA)

  • Features: Tax deferred savings, terms vary, fixed or variable rate

We are required by Federal regulation to limit the number of withdrawals per month for Savings and Money Market accounts to 6 covered withdrawals. Covered withdrawals include checks or electronic funds transfers, and do NOT include withdrawals made in person at an RNB branch, by mail, by messenger, or at any ATM. If you make more than 6 covered withdrawals per month three times within the prior 12 months, we will ask you to either change your account type or close the account.

We are temporarily suspending transaction limitations of no more than six (6) withdraws/transfers on Savings Accounts and Money Market Accounts. You may now make unlimited withdrawals or transfers from these accounts.
Keep in mind that although you can have more activity on your account, you may still incur a fee. Refer to your account terms and conditions for additional information.

For additional information contact a local branch:
RNB/Front Range State Bank has convenient locations in Downtown Rawlins, East Rawlins, Saratoga, and Hanna, Wyoming as well as Longmont, Colorado.