As a Private Banking client, you become a member of a select group of individuals who enjoy privileged access to our Private Banking and Wealth Management products and services.
Taken together, they represent a comprehensive strategy that works toward growing and protecting wealth — and for best managing your complex array of financial assets.
Discover why, for a growing number of Coloradans, our Private Banking Group has become the preferred approach.
OUR APPROACH
NOW THAT YOU’VE ARRIVED, LET’S MAKE SURE YOU ENJOY YOUR STAY.
We start by providing you a dedicated relationship manager who will serve as your direct link to an entire team of wealth management professionals. And to whom you’ll have virtually unlimited access. Working together, we’ll conduct a personal financial analysis to help establish realistic goals and formulate a detailed plan on how to pursue them.
Then we’ll provide you expedited access to a tailored suite of lending products, the expertise you need to make an informed decision, and the ability to take advantage of changes in market conditions and seize new opportunities.
We know getting here wasn’t easy. But with Vectra Bank Colorado, staying here can be.
DEDICATED RELATIONSHIP MANAGER
PERSONAL FINANCIAL ANALYSIS
EXPEDITED LENDING APPROVAL
ACCESS TO A TEAM OF WEALTH MANAGEMENT PROFESSIONALS
PRIVATE BANKING
A WEALTH OF PRIVILEGES WITH THE RICHNESS OF PERSONAL ATTENTION.
As a Private Banking client, you’ll gain access to an exclusive suite of private banking options. Our services come with preferred fees, rates, and terms, as well as expanded features and benefits.
As always, you’ll enjoy the personal attention of your relationship manager, who will guide you to the appropriate options available and help ensure your selections are aligned with your short- and long-term goals.
¡ Deposit Solutions
¡ Private Mortgage
YOUR GOALS
PRIVATE BANKING
¡ Customized Lending Solutions WEALTH MANAGEMENT
WEALTH & FIDUCIARY SERVICES
INDEPENDENT COUNSEL. UNRIVALED COMMITMENT.
UNCOMPROMISED SOLUTIONS.
Your relationship manager will introduce additional wealth management professionals as necessary to provide you credible solutions to all of your financial needs, everchanging as they’ll be. Access to such specialists helps us deliver you custom options and an unparalleled level of service throughout the various stages of your life.
Investment Management
Risk Management
Trust Management and Administration
Wealth Planning
PRIVATE BANKING
WEALTH MANAGEMENT
Retirement Planning YOUR GOALS
Business Succession Planning
Cash Flow Planning
Legacy and Estate Planning
Trust and fiduciary investment services are provided through Zions Wealth, a division of Zions Bancorporation, N.A. Amegy Bank, California Bank & Trust, The Commerce Bank of Oregon, The Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and Zions Bank are divisions of Zions Bancorporation, N.A.
Investment products are not insured by the FDIC or any federal or state governmental agency, are not deposits or other obligations of, or guaranteed by, Zions Bancorporation, N.A. or its divisions, and are subject to investment risks, including possible loss of the principal amount invested.
IN COMPLEX FINANCIAL MATTERS, A PROVEN APPROACH MATTERS MOST OF ALL.
The more complex your financial life becomes, the more you’ll appreciate being a client of The Private Bank by Vectra Bank Colorado.
By having the process, programs, products, and personnel in place, we’ll provide you an integrated, holistic approach to achieving your wealth goals.
CREATE & BUILD WEALTH
¡ Consolidation of Assets
¡ Plan for the Unexpected
¡ Home Ownership
¡ Saving for Retirement
UTILIZE WEALTH IN LIFE
¡ Tax Planning
¡ Philanthropy (Charitable Gifting During Life)
¡ Preservation of Wealth (Titling of Assets)
PROTECT & PRESERVE WEALTH
¡ Growth in Income
¡ Business Succession Planning
¡ Durable Power of Attorney
WEALTH LEGACY
¡ Protection of Wealth (Choice of Executor/Trustee)
¡ Wealth Transfer and Distribution Strategies
¡ Creating a Legacy
EVALUATION & PLANNING
NOT A YEAR GOES BY WE DON’T ANALYZE THE YEAR GONE BY.
The best wealth management plans are those that get measured, evaluated, and reworked accordingly. Not occasionally, but consistently. So every year, we look at the year behind and the year ahead. Working with you, we identify what needs to change and what should stay
in place. We also identify new opportunities and new needs based on changes in your life, your business, and your goals. This way, you know the year ahead will be thoughtfully planned. And one to celebrate as it draws to a close. Year after year after year.
WITH TEAM
Performance Review
Goal Alignment
Recommendations
PERSONAL FINANCIAL STATEMENT
REVIEW
Wealth is about more than just money. It’s about the things that matter most to you: Family. Philanthropy. Legacy. Retirement. While the list is different for everyone, the purpose of The Private Bank is always the same—to help you grow, protect, and apply your wealth in accordance with your wishes.
Knowing that our only goal is to help you achieve yours should give you not only confidence in our recommendations, but comfort as well.
GETTING STARTED
WHERE ALL THE PIECES COME TOGETHER. AND STAY THAT WAY.
BE SURE YOUR MONEY GETS ITS MONEY’S WORTH.
Designed to enable you to capitalize on a myriad of market conditions, we offer a variety of premium deposit products2 that allow quick and easy access to your money. All while providing you competitive returns.
¡ Monthly service fees waived by maintaining required relationship balances3
¡ Complimentary paper statements
¡ Complimentary checks with unlimited check writing6
ADDITIONAL DEPOSIT ACCOUNTS
¡ Add checking, savings, and money market accounts with no monthly service or paper statement fees
¡ Competitive rates on CD and IRA accounts 4
¡ Link checking, savings, money market, CD, and IRA accounts to meet balance requirements5
¡ Personal loan balances can also be linked to meet balance requirements7
COMPLIMENTARY BENEFITS
¡ Incoming domestic wires
¡ Reddi Reserve credit line transfers9
¡ Cashier’s checks
¡ Stop payments
¡ Safe deposit box8
(Please see reverse side for details)
DEPOSIT SOLUTIONS
1. Clients qualify for Private Banking services program by meeting one of the following cr iteria: $250,000 or more in deposit, wealth, and/or non-mortgage loan balances with NSB, and an annual income greater than $750,000, OR have a net worth greater than $2,000,000, or Investable Assets greater than $500,000.
2. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and Personal Account Schedule of Fees, or speak with a banker for more details.
3. Balance requirements are $50,000 combined consumer deposit balances, or $150,000 combined consumer deposit and qualified personal loan balances.
4. Premium rate tiers are applied automatically to linked money market or savings accounts, CDs, and IRA accounts when the primary owner of the checking account is also an owner of the linked interest bearing account. Please see Consumer Deposit Rate Sheet for details.
5. The combined balance of the linked accounts will include personal checking, secondary account, and any optional accounts, not including business or commercial accounts.
6. Checks must be ordered through Vectra to qualify. Checks can be ordered through a branch, Online banking, or through Customer Service.
7. Qualified personal loans include auto, home equity, Reddi Reserve and credit cards, but not mortgage loans. Loans subject to credit approval; terms and conditions apply. See banker for details.
8. Safe Deposit Box availability varies by branch. Cannot be used in conjunction with other Safe Deposit Box discounts. Discounts will be applied at the time of account opening.
9. When you don’t have enough money in your checking account to cover a transaction, the bank can transfer funds from a designated, eligible linked deposit account or credit reserve line (subject to credit approval). Subject to minimum transfer amount.
EXPERIENCE THE SPECIAL ATTENTION THAT’S GETTING EVERYONE’S ATTENTION.
PRIVATE MORTGAGE1
As a Private Banking client, you’ll have access to a dedicated Private Mortgage officer. Throughout the lending process, your needs will be shown prompt and proper attention by an experienced lending team that understands the local real estate market as well as the products, services and special programs available to you.
PERMANENT MORTGAGE FINANCING
Conforming, jumbo2 and portfolio mortgage loan products
Access to multiple programs for the most beneficial rate structures
Primary residence and second home
Fixed-rate mortgages
Interest only, adjustable rate mortgages
Hybrid adjustable rate mortgages
Rate discounts may be available for qualifying deposit and wealth balances
Asset Enhanced Mortgage Feature
CUSTOM HOME FINANCING
ONE-TIME-CLOSE CONSTRUCTION LOAN
One application, one closing
Financing for owner-occupied primary and secondary homes
Fixed rate, interest-only payments throughout the construction phase
Up to 24 months to build with rate protection
Local servicing on construction draws
Adjustable rate option available
Interest rate locked up-front
Simple modification to permanent financing upon completion
Lot Financing available for primary and secondary residential lots.
1 Loans subject to credit approval; terms and conditions apply.
2 Amounts greater than $726,200 are considered Jumbo Loans.
SIMPLE SOLUTIONS, NO MATTER HOW COMPLEX YOUR BORROWING NEEDS.
LENDING SOLUTIONS
We understand the complexity of your borrowing needs. So we provide you a variety of credit options for choosing the lending solutions that work best for you.
HOME EQUITY CREDIT LINE1
¡ Third-party closing costs waived with certain loan amounts and loan programs
¡ Primary residence, second homes, and investment properties are eligible
¡ Preferred interest rate
¡ Interest may be tax deductible2
LINES OF CREDIT1
¡ Credit reserve line linked to your checking account
¡ Personal unsecured line of credit
¡ Investment line of credit*
*Investments are not insured by the FDIC or any other governmental agency, are not deposits or other obligations of, or guaranteed by Zions Bancorporation, N.A. or its affiliates, or any other bank, and are subject to investment risks, including the possible loss of principal invested.
FIXED-RATE PERSONAL LOANS1
¡ New and pre-owned automobiles
¡ Boats and yachts
¡ Travel trailers
¡ Recreational vehicles
VISA SIGNATURE® CREDIT CARD3
¡ Competitive rewards
¡ Emergency card replacements
¡ No foreign transaction fees
¡ Visa® Concierge entertainment, travel and business services
¡ Additional benefits, travel upgrades, purchase protection and more
(Please see reverse side for details)
LENDING SOLUTIONS
1. Subject to credit approval; terms and conditions apply. Contact your banker for details.
2. Consult your tax advisor regarding the deductibility of interest.
3. Credit cards are subject to credit approval. Certain terms, conditions and restrictions apply. All offers are subject to change at any time, may not be available with all card types. See Vectra Bank Consumer Credit Card Agreement and Disclosures or banker for more details.
BACK UP YOUR LOAN,
WE’LL
BACK DOWN YOUR RATE.
SECURITIES-BASED LENDING1
A Vectra Bank Investment Line of Credit* provides lower-cost access to liquidity, with the amount available for borrowing dependent upon the value of eligible assets in your investment account. With easy and efficient access to funds and lower rates than other forms of credit, the Investment Line of Credit loan product can help meet all of your personal financing needs of significant size.
IDEAL FOR
¡ Personal and investment real estate purchases
¡ Luxury purchases
¡ Tax payments
¡ Education costs
¡ Medical expenses
¡ Debt consolidation
¡ Business startup or expansion
¡ Business acquisitions
¡ Emergency expenses
1 Securities-based financing involves special risks. When considering a securities-based loan, you should take into account your individual requirements, portfolio composition and risk tolerance, as well as capital gains taxes, collateral liquidation potential, portfolio performance expectations and investment time horizon.
*Loans subject to credit approval Terms and conditions apply
Investments are not insured bythe FDICorany other governmentalagency, are not depositsorother obligations of, orguaranteedbyZions Bancorporation, N.A.orits affiliates, orany other bank, and are subject toinvestmentrisks,including the possiblelossofprincipal invested.
SHORT TERM. LONG TERM. YOUR TERMS.
WEALTH PLANNING1
The more complex your financial life becomes, the more you’ll appreciate being a client of The Private Bank by Vectra Bank. We work side-by-side with Wealth & Fiduciary Services, which can provide you an integrated, holistic approach to achieving your wealth goals.1
Your relationship manager will introduce additional wealth management professionals as necessary to provide you credible solutions to all of your financial needs, everchanging as they’ll be. Access to such specialists helps us deliver you custom options and an unparalleled level of service throughout the various stages of your life.
¡ Risk management
¡ Estate planning
¡ Investment management 2
¡ Retirement planning
¡ Business strategies
1 Trust and fiduciary i nvestment s ervices a re o ffered b y Wealth & F iduciary S ervices, a p art of Zions Wealth Management, a division of Zions Bancorporation, N.A.
2 Trust and fiduciary investment services are provided through Zions Wealth, a division of Zions Bancorporation, N.A. Amegy Bank, California Bank & Trust, The Commerce Bank of Oregon, The Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and Zions Bank are divisions of Zions Bancorporation, N.A.
Investment products are not insured by the FDIC or any federal or state governmental agency, are not deposits or other obligations of, or guaranteed by, Zions Bancorporation, N.A. or its divisions, and are subject to investment risks, including possible loss of the principal amount invested.
IT’S ABOUT KEEPING YOUR ESTATE IN THE BEST STATE POSSIBLE.
TRUST SERVICES1
Wealth and Fiduciary Services is dedicated to the management of trusts and estates as well as other family wealth entities. As a Trustee/Executor or Agent for Trustee/Executor, we work with our clients to preserve and help protect their assets utilizing efficient methods of transfer and assisting them in creating a personalized legacy.
TRUST SERVICES WE PROVIDE1
¡ Trust Administration services including serving as a Corporate Trustee, Successor Trustee, CoTrustee or as an Agent for an Individual Trustee
¡ Expertise of trust and estate planning professionals who understand the regulatory, legal and tax implications of trusts and estate planning 2
¡ Provide a holistic approach to estate planning with the client’s advisory team to understand the goals and solutions for an overall financial strategy
¡ Comprehensive fiduciary investment management and administrative services tailored to the needs of the client
¡ Access to unique asset management such as real estate and oil/gas management
¡ Serve as an Executor, Co-Executor or as an Agent for Executor providing estate administration services
¡ Philanthropic services including investment and services for nonprofit organizations, foundations and charitable trusts
1 Trust and fiduciary investment services are offered by Wealth & Fiduciary Services, a part of Zions Wealth Management, a division of Zions Bancorporation, N.A.
2 Trust and fiduciary investment services are provided through Zions Wealth, a division of Zions Bancorporation, N.A. Amegy Bank, California Bank & Trust, The Commerce Bank of Oregon, The Commerce Bank of Washington, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and Zions Bank are divisions of Zions Bancorporation, N.A. Investment products are not insured by the FDIC or any federal or state governmental agency, are not deposits or other obligations of, or guaranteed by, Zions Bancorporation, N.A. or its divisions, and are subject to investment risks, including possible loss of the principal amount invested.
OUR STORY.
Vectra Bank has served clients in the Rocky Mountain region since 1988. With assets of more than $3 billion, we are one of the largest banks headquartered in the region, offering 35 locations throughout Colorado and New Mexico, and are proud to be an award-winning workplace.
As part of Zions Bancorporation, N.A., Vectra has the reach and resources of many larger organizations, yet the unique ability to offer local decision making and a personalized approach. We remain connected to our communities and businesses—providing proactive relationship banking that makes us big enough to count and small enough to care.
Our mission is simple. We help people and companies by providing financial solutions that enable them to grow and thrive. We believe that’s best achieved when banking is local and delivered by employees who are actively engaged in the communities they serve.
OUR PRODUCTS AND SERVICES
BUSINESS & COMMERCIAL BANKING1
FINANCING
• Lines of Credit
• Term Loans
• Asset-Based Financing
• Acquisition Financing
• Equipment Financing3
• Small Business Administration Loans
• Commercial Real Estate Financing
• Construction Loans
• Visa® Business Credit Card7
PERSONAL BANKING1
FINANCING
• Mortgage Loans
• Home Equity Lines
• Construction Loans
• Auto/Boat/RV Loans
• Personal Loans/Lines
• Visa® Credit Cards7
PRIVATE BANK SERVICES
• Deposit Solutions
• Private Mortgage
CHECKING/SAVINGS2
• Business Checking
• Money Market & CDs
• Sweep Accounts Treasury Management
• Collection Services
• Disbursement Services
• Information Management
• Card Solutions
CHECKING/SAVINGS2
• Personal Checking
• Money Market & CDs
• Individual Retirement Accounts (IRAs)
OTHER BANKING SERVICES
• Online Banking & Bill Pay4
• Mobile Banking4
• Merchant Services by First Data Merchant Services, LLC5
• International Banking
• 1031 Exchange Services6
OTHER BANKING SERVICES
• Online Banking & Bill Pay4
• Mobile Banking4
• 1031 Exchange Services6
• Custom Lending Solutions
1.Product terms and conditions apply. Loans subject to credit approval; terms, conditions and restrictions apply. Equal Housing Lender. Zions Bancorporation, N.A. NMLS# 467014. 2. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet, and Personal Accounts Schedule of Fees for complete details and disclosures or speak with a banker for details. 3. Equipment financing & leasing are subject to credit approval; certain criteria apply. See specialist for details. Equipment financing & leasing are offered through Zions Credit Corporation, a subsidiary of Zions Bancorporation, N.A. 4. Mobile Banking requires download of the smartphone version of the Vectra Bank Colorado app from the Apple® App Store or Google Play®. Message and data rates from your wireless provider may apply. Requires enrollment in Online Banking. Please refer to the applicable Rate and Fee Schedule (Schedule of Fees or Service Charge Information). Subject to terms and conditions of the Digital Banking Service Agreement. Trademarks used are the property of their registered owner and Vectra Bank Colorado is neither affiliated with nor endorses these companies or their products/services. 5. Merchant Services products and services are provided by First Data Merchant Services LLC dba Clover Business Solutions and not by Vectra Bank Colorado, a division of Zions Bancorporation, N.A. Member FDIC. 6. Zions Bancorporation and its affiliates do not provide tax advice. Accordingly, to ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal tax advice contained in this communication (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed herein. The information contained herein is for informational purposes only and does not constitute tax, legal, or accounting advice. You are advised to seek appropriate professional advice regarding your specific facts and circumstances. All exchange and qualified intermediary services are offered through Exchange Services, LLC, a Utah limited liability company, a subsidiary of Zions Bancorporation. Vectra Bank Colorado is a division of Zions Bancorporation, N.A. 7. Credit card accounts are subject to credit approval. Certain terms, conditions, and restrictions apply. See the credit card application and disclosures for more details.
