Jonathan Fox, President & CEO
Former Chairman of Colorado Banking Board
Free Checking Account Colorado
Business & Personal Checking Accounts
Whether you’re managing a family farm and ranch, running a small business, or simply want banking that feels like home.
- No monthly maintenance fees
- FDIC-insured with A+ BBB rating
- Reliable digital banking without complexity
Trusted by Southeastern Colorado Families for Over 125 Years
We’re not just here to offer agricultural loans; we live this life too. We understand what farming takes, because it’s part of who we are.
Personal and Business Checking
Local Checking Backed by over 125 Years of Trust
To us, you do not need to explain your business. We live here. We understand your needs.
Free Checking
No minimum balance required and no monthly fees. Perfect for families, individuals, and anyone who wants honest banking without surprises.
Features:
- No minimum balance required
- No monthly fees
- 24/7 access with online and mobile banking
- MasterCard Debit Card
- Over 55,000 free ATMs nationwide
Club FSB (Ages 50+)
Designed for customers 50 and older who want the benefits of an interest-bearing account without the hassle of fees or minimum balances.
Features:
- Interest-bearing account
- No minimum balance required
- No monthly fees
- Free basic checks included
- All standard banking features included
N.O.W. Account
Interest-bearing checking that rewards you for keeping a higher balance while giving you full checking account flexibility.
Features:
- Interest-bearing account
- $1,000 minimum balance
- No fees when minimum balance is maintained*
- Full checking account access
*Account forfeits monthly interest and incurs $7.50 monthly charge if the minimum balance is not maintained.
Super N.O.W. Account
Our premium checking account with excellent interest rates for customers who maintain higher balances.
Features:
- Excellent interest rates
- $2,500 minimum balance
- No fees when minimum balance is maintained*
- Premium account benefits
*Account forfeits monthly interest and incurs $7.50 monthly charge if the minimum balance is not maintained.
Money Market Account
High-yield savings with limited check-writing privileges. Perfect for customers who want above-average interest rates with some checking flexibility.
Features:
- Above-average interest rates
- $2,500 minimum balance
- No fees when minimum balance is maintained*
- 6 checks per month limit
- Savings account with checking features
*Interest rate reverts to N.O.W. Account Rate & incurs $7.50 monthly service charge if minimum balance is not maintained.
Small Business Checking
Designed for Colorado's small businesses, farms, and ranches. We understand the unique needs of rural businesses and provide banking services that work with your schedule and cash flow.
Features:
- Business banking solutions tailored to your needs
- Commercial lending options when you need capital
- Local decision-making for your business requirements
Why Choose Us
Banking with People Who Understands You
Options That Fit Your Needs
Whether you want simple free checking or prefer earning interest on your balance, we have account options that work for different situations and life stages.
No Surprises
Our Free Checking account has no minimum balance and no monthly fees. For interest-bearing accounts, the requirements are clear and straightforward.
Community Banking
Our staff lives and works in this community, so we understand your needs and challenges. You'll bank with people who know your name.
Agricultural Understanding
Our team knows farming, ranching, and rural business. You won't spend time explaining seasonal cash flows or equipment needs.
Local Decision-Making
When you need something handled, our team can help you right here in Fowler. No waiting for approval from distant corporate offices.
Over 125 Years of Stability
We've served Colorado families and businesses since 1899. That kind of experience and community commitment makes a difference.
Digital Banking That Works
Our Internet Banking and the Mobile App let you manage accounts, pay bills, and transfer money. Both allow payments via email or phone, viewing balances, and accessing statements and check images.
- Account management & e-statement
- transactions directly into Quicken or Excel
- Download account information
Our team is here
Need Help Deciding?
Learn more about personal banking accounts by talking to our representatives today.
Call Us +1 (719) 263-4276Visit Our Home in Fowler – Where Banking Begins
Experience the difference of local banking at its finest. Located in the heart of Fowler, our branch is more than just a bank
Frequently Asked Questions
How much money do I need to open a checking account?
For our Free Checking account, there’s no minimum balance required to open or maintain the account. For interest-bearing accounts, you’ll need $1,000 for N.O.W. Account or $2,500 for Super N.O.W. Account and Money Market Account. We’re happy to discuss which option works best for your situation.
Are there monthly fees on your checking accounts?
Our Free Checking and Club FSB accounts have no monthly fees ever. For N.O.W. and Super N.O.W. accounts, there are no fees when you maintain the minimum balance. If your balance drops below the minimum, there’s a $7.50 monthly charge and you forfeit that month’s interest.
Can I use my debit card anywhere?
Yes, your MasterCard Debit Card works anywhere MasterCard is accepted. You also have access to over 55,000 free ATMs nationwide, so you can get cash without fees at most locations.
Do you offer mobile banking?
Absolutely. Our mobile app and online banking let you check balances, pay bills, transfer money, and send payments via email or phone. You can also download account information directly into Quicken or Excel and set up customized alerts.
What makes you different from big banks?
We’re community-owned with local decision-making authority, so you won’t wait for approvals from distant corporate offices. Our staff lives and works here in southeastern Colorado, and we understand agricultural businesses and seasonal cash flows. We’ve been serving this community since 1899 – that’s over 125 years of local banking experience.
What do I need to bring to open an account?
For personal accounts, bring a valid ID, Social Security card, and your initial deposit. For business accounts, you’ll need your business license or articles of incorporation, EIN number, valid ID for all signers, and initial deposit. We’ll walk you through everything when you visit.
What are your banking hours?
Our lobby is open Monday through Friday, 9:00 AM to 3:00 PM (until 5:30 PM on Fridays). Drive-through hours are 8:30 AM to 4:00 PM, Monday through Friday. Call us at (719) 263-4276 – someone will actually answer the phone to help you.
Is my money safe with a small bank?
Yes, absolutely. We’re FDIC-insured, which means your deposits are protected by the federal government just like at any large bank. We also maintain an A+ BBB rating and are regulated by the Colorado Division of Banking. Being community-owned for over 125 years shows our stability and commitment to this area.
Ready to Start Banking With Your Neighbors?
Fill out the form to open your deposit account and experience community banking done right.
Benefits of Banking With Fowler State Bank
- No monthly fees on checking accounts
- Local loan decisions made by people you know
- Personal service from staff who live in your community
Need help? Send us a message!
Have questions about your account, credit, or loan? Send us a message, we’ll get back to you quickly.