Cash Advances

With proper identification, signature-based cash advances may be undertaken at any of the Bank’s branch or drive-up locations.  The Bank assesses no fee for this service; however, card issuers commonly assess a fee for cash advances.  PIN-based cash advances may be completed at any First State Bank ATM. Our posted surcharge fee will apply.

ATMs

First State Bank of Colorado maintains seven ATMs for the convenience of our customers.  The locations of our ATMs are as follows:

.  ·         Hotchkiss Short Stop  (180 West Bridge Street – inside side entrance)

·         City Market - Hotchkiss (215 North Sixth Street – just inside front entrance)

·         FSBC, Delta  (564 Main Street – adjacent to front door)

·         FSBC, Paonia  (128 Grand Avenue – drive up location)

·         FSBC, Crawford  (392 Highway 92 – outdoor on north side of building)

·         FSBC, Fountain (410 South Santa Fe – outdoor on approach to Drive-up)

·         FSBC, Westcliffe  (1000 Main Street – vestibule)

 (Machines are ADA compliant and equipped with Braille instructions and voice guidance via the use of personal earphones.  In addition, all FSBC ATMs are accessible in both English and Spanish.)

 First State Bank of Colorado (FSBC) ATMs allow the user to request cash withdrawals from bank deposit accounts, and cash advances from credit cards.   Balance inquiries and transfers between accounts may also be available.  Deposits are not accepted at FSBC ATMs.  (It should be noted that any restrictions, such as maximum withdrawal limits, accounts available for access, and information available by balance inquiry are set by the card issuing bank and not by the ATM owner.)  FSBC-issued cards come with daily cash withdrawal limits of $500 per day, based on available balance.  Cash withdrawals made using cards not issued by FSBC will be charged our posted surcharge fee.

FSBC ATMs accept cards branded with the following logos: Visa, MasterCard, Discover, American Express, Plus, Cirrus, NYCE, and Quest. 

 FSBC charges no fees to our customers using FSBC-issued cards at our ATMs.  The Bank does charge a fee for use of any ATM not owned by FSBC.  See current Schedule of Fees for applicable fee. 

It should be noted that individual ATM owners may assess surcharges for the use of their machines, and in such cases those fees are added to the amount of the withdrawal; however, such fees are separate from any fees assessed by the Bank.  It should also be noted that we have no way of waiving surcharge fees at our ATMs when our customer uses a card issued by another financial institution.

Cash Advances

With proper identification, signature-based cash advances may be undertaken at any of the Bank’s branch or drive-up locations.  The Bank assesses no fee for this service; however, card issuers commonly assess a fee for cash advances.  PIN-based cash advances may be completed at any FSBC ATM. Our posted surcharge fee will apply.

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