Jonathan Fox, President & CEO
Former Chairman of Colorado Banking Board
Colorado Business Cards
Credit Solutions For Your Operations
Fowler State Bank offers credit and debit card solutions tailored for Colorado’s agricultural and small business needs.
- FDIC-insured with A+ BBB rating
- ATM access with partner banks nationwide
- Agricultural expertise for over 125 years
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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.
Farm Credit Cards Colorado
Business Credit Cards Perfect for Farm and Ranch Operations
Banking should feel personal, not like dealing with a call center credit department. Our staff knows your name, your operation, and what matters to your business.
Colorado Business Credit Cards
- Competitive interest rates for qualified businesses
- No annual fee options available
- Higher credit limits for agricultural operations
- Local approval process with people who understand your business
Farm & Ranch Credit Cards Designed for Agricultural Operations
- Seasonal input purchases (seed, fertilizer, feed)
- Equipment repairs and maintenance
- Emergency expenses during challenging weather
- Cash flow management between harvest seasons
Personal Credit Cards
- Low interest rates
- No hidden fees
- Local customer service
- Accepted nationwide
Farm Debit Cards Colorado
Debit Cards for Convenient Access
Our "Instant Cash & Check Card" (Mastercard debit) gives you 24/7 access to your accounts with the security and convenience of a major card network.
Features:
- Access your money at ATMs nationwide
- Make purchases anywhere Mastercard is accepted
- No annual fees
- Chip technology for enhanced security
- Mobile check deposit capability through our app
ATM Network Access
Convenient cash access throughout Colorado
While we’re located in Fowler, your debit card works at ATMs across Colorado and nationwide. We also provide surcharge-free access through partner networks, saving you money on ATM fees.
- Nationwide ATM network access
- Partner ATM locations with no surcharge fees
- Real-time account balance information
- 24/7 customer service for card issues
Manage Your Debit and Credit Cards Online
Click here to pay your card online, see your UChoose Rewards, and view statements.
Why Choose Us
Banking with People Who Understand 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
Frequently Asked Questions
What credit score do I need for a business credit card?
While we consider credit scores, we also evaluate your relationship with the bank, business cash flow, and industry expertise. Many agricultural operations with seasonal income patterns can qualify even with varying credit profiles. Call us to discuss your specific situation.
Do you offer cards specifically for agricultural businesses?
Yes, our farm and ranch credit cards are designed specifically for agricultural operations. We understand seasonal cash flows, input financing needs, and equipment purchases. Our terms and credit limits reflect the unique nature of farming and ranching.
Are there annual fees on your credit cards?
We offer both no-annual-fee options and cards with annual fees that include additional benefits. Our team will help you choose the card that provides the best value for your specific usage patterns.
Can I use my debit card for large equipment purchases?
Yes, but we recommend discussing large purchases with us first. We can temporarily increase your daily limits or suggest alternative payment methods that might be more appropriate for significant equipment investments.
How quickly can I get a replacement card if mine is lost or stolen?
For Credit Cards: Call 1-800-229-6800 immediately to report lost or stolen credit cards and request a replacement.
For ATM/Debit Cards: Call 1-800-472-3272 immediately to report your missing ATM or debit card. If traveling internationally, please call 1-614-564-5105.
Emergency replacement cards are typically available within 24-48 hours. You can also call our main number (719) 263-4276 during business hours for additional assistance with your account.Do you offer fraud protection on your cards?
Yes, all our credit and debit cards include fraud monitoring and zero liability protection. If unauthorized charges appear on your account, we’ll work quickly to resolve the issue and protect your account.
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.