External Transfers

Transferring money between your Colorado State Bank and Trust accounts is a breeze. We’ve also made it easy to send money between your account at Colorado State Bank and Trust, and your accounts at other financial institutions. Best of all, you can transfer funds from anywhere and at anytime from your mobile app or in Online Banking.

TRANSFER MONEY BETWEEN YOUR ACCOUNTS WITH US

Quickly and easily transfer money between any of your accounts at Colorado State Bank and Trust, whether you need to complete a one-time transfer, or set it and forget it by setting up automatic recurring transfers. You can make up to six transfers and withdrawals from your savings or money market account each statement cycle*.

TRANSFER MONEY BETWEEN ACCOUNTS AT OTHER BANKS

Securely send or receive money between your Colorado State Bank and Trust deposit account, and your accounts at other financial institutions in the United States. Make a quick one-time transfer, or just as easily set up automatic recurring transfers with as many external accounts as you need.

SAVE TIME WITH CONVENIENT TRANSFERS

No more checks! No more mail! No more trips to the bank! Whether you’re sending or receiving money, a few quick steps from your phone will get your money where it needs to be. It’s easy, secure and best of all, you can send an external transfer from anywhere, at any time.

Frequently Asked Questions

Got questions? We've got answers. And, if you don't find what you're looking for, sign in to Online Banking and visit our Actions and Tools menu to send us a Secure Message or call us at (877) 205-1710.

What is an external transfer?

An external transfer is the secure movement of money between your eligible Colorado State Bank and Trust account, and your own accounts at other financial institutions within the United States. However, it does not cover the transfer of funds to other individuals.

How much does it cost to send and receive external transfers?
  • Inbound transfers - $0
  • Outbound transfers up to $25,000, 3 business days - $3
What kinds of accounts are eligible to send an external transfer?

To activate External Transfers you must have at least one eligible deposit account with Colorado State Bank and Trust such as a checking, money market or savings account.

Where can I find the routing number of my bank at another financial institution?

You can find the routing number for your bank at another financial institution by reviewing a check from that account. The routing number is typically the first group of numbers on the bottom left of your check.

You may also look up the routing number at http://routingnumber.aba.com/.

Why am I having trouble setting up my external account?

Please contact your bank or other financial institution to verify the correct routing and account numbers. Some credit unions may have a different account number than what is noted on your statements.

Can I transfer funds to my account at a financial institution outside of the United States?

No, you can only transfer funds to your accounts held at United States financial institutions.

How are daily limits calculated?

Daily limits apply to all external transfer transactions processed in the daily cutoff batch process at 10 p.m. CT. This includes all transactions scheduled after the 10 p.m. CT cutoff from the previous processing day. All transactions scheduled over a weekend are processed and included in Monday's daily aggregate count. Please review your External Transfers Terms and Conditions for more information regarding external transfer limitations.

How many external transfers can I schedule in one day?

You may schedule unlimited external transfers every day, up to $2,500.

How long does it take to transfer funds between my Colorado State Bank and Trust account and other financial institutions?

Transfers between your Colorado State Bank and Trust account and non-Colorado State Bank and Trust accounts will be initiated on the transfer date you selected. It will take 3 business days for the transfer to be received at the non-Colorado State Bank and Trust account.

How long does it take to receive funds from my non-Colorado State Bank and Trust account?

Funds transferred into your account by external transfer will be available within three business days from the date of the scheduled transfer.

How do I enroll in External Transfers from Online Banking?

Log in to Online Banking and select “External Transfer Enrollment” from the Actions and Tools menu. Review and agree to the Terms & Conditions, then select “OK” when prompted.

How do I enroll in External Transfers from Mobile Banking?
  • Log in to your mobile app and select “Transfer” from the menu.
  • On the Transfers screen, select “External Transfer Enrollment”, and either view the help screens that follow, or close them.
  • Review and agree to the Terms & Conditions”
  • Select “OK” when prompted.
How do I set up my first external transfer account in Online Banking?
  • Once you are enrolled, log in to Online Banking and select “Schedule a Transfer” from the Actions and Tools menu.
  • Select the “Add External Account” tab and follow the prompts to enter your external account information.”
  • Once you click “Next” you will be asked to authorize the information before selecting “Add Account”.
  • For your protection, there is one more verification step required before you can make your first transfer. We will make two small deposits into your external account over a period of 2-3 business days.
  • Check your external account to view these deposits
  • Once you’ve viewed the deposits, log back in to Online Banking
  • When prompted, select “Confirm External Account” and enter the two deposit amounts to complete the process.
How do I set up my first external transfer account in Mobile Banking?
  • Once you are enrolled, log in to your mobile app and select “Transfer” from the menu.
  • Select “Add External Account” and follow the prompts to enter your external account information.”
  • Once you click “Next” you will be asked to authorize the information before selecting “Add Account”. You can also make edits from this screen.
  • We will make two small deposits into your external account over a period of 2-3 business days.
  • Check your external account to view these deposits
  • Once you’ve viewed the deposits, log back in to your mobile app and select Transfer
  • Go to “Manage External Accounts” and select the external account that needs confirmation.
  • When prompted, enter the two deposit amounts and click “Confirm”.
How do I set up a one-time external transfer in Online Banking?
  • Log in Online Banking and select “Schedule a Transfer” from the Actions and Tools menu.
  • Select the “Schedule a Transfer” tab and complete the form.
  • For a one-time future dated transfer, under “Frequency”, select “One-Time” and click “Next”.
  • On the following screen, select the amount, and date on which you would like to send the transfer.
  • Complete the form and select “Make Transfer”.
How do I set up a one-time external transfer in Mobile Banking?
  • Log in to your mobile app and select “Transfer” from the menu.
  • Select “Create One-Time Transfer” and complete the form.
  • For a one-time transfer, under “Frequency”, select “One-Time” and click “Next”.
  • Review your transfer details and select “Make Transfer”. (You may also edit transfer details from this screen.)
From Online Banking, how do I set up a recurring transfer between my eligible Colorado State Bank and Trust accounts and my external accounts?
  • Log in to Online Banking and select “Schedule a Transfer” from the Actions and Tools menu.
  • Complete the form within the “Schedule a Transfer” tab.
  • For recurring transfers, under “Frequency”, select “Recurring”.
  • Within the resulting drop-down, enter the frequency desired and the number of transfers, then select “Save”.
From Mobile Banking, how do I set up a recurring transfer between my eligible Colorado State Bank and Trust accounts and external accounts?
  • Log in to your mobile app and select “Transfer” from the menu.
  • Select “Schedule a Transfer”
  • Enter your account information.
  • Under “Frequency”, select the preferred frequency of your external transfers.
  • Enter the Transfer Date and Amount, then select ”Next”
  • Review your transfer details and select “Make Transfer”. (You may also edit transfer details from this screen.)
How do I change or delete a recurring external transfer in Online Banking?
  • Log in to Online Bankingand select “Transfer Activity” from the Actions and Tools menu.
  • Click the plus sign next to Scheduled & In-Progress to expand the list.
  • Select “View/Edit” for the transfer you wish to edit or delete, and make the desired changes.
How do I change or delete a recurring external transfer from my mobile banking?
  • Log in to mobile banking and select “Transfer” from the menu.
  • Select “Pending Transfers”
  • Select the transfer you wish to edit or delete, and make changes as needed.
How far in advance can I schedule a transfer?

An external transfer can be scheduled up to 12 months in advance.

How do I view my transfer history in Online Banking?
  • Log in to Online Bankingand select “Transfer Activity” from the Actions and Tools menu.
  • Select Account, Status, and History details from the respective drop down menus
  • You may also select “Search” to narrow search criteria for the transfers you wish to review
  • Click on “View Details” next to each transfer you wish to view.
How do I view my transfer history on mobile banking?
  • Log in to your mobile appand select “View Transfer Activity” from the menu.
  • Use the Search feature (magnifying glass icon) to narrow search criteria for the transfers you wish to review
Terms and Conditions for Online Statements

Online Statements

These terms and conditions constitute the agreement ("Agreement") between you and Colorado State Bank and Trust ("Bank") with respect to the provision of Online Statement Services (the "Service") to you. Your use of the Service constitutes your agreement to be bound by the terms of this Agreement. In this Agreement, the words "you" and "yours" mean each person who applied for the Service, and the terms "us" and "we" mean the Bank. This Agreement is in addition to other agreements between the parties.

Online Statement Service

The Online Statement Service is an alternative to receiving mailed paper statements. By applying for the Service, you authorize the Bank to stop mail delivery of your paper account statement and consent to the electronic delivery of your periodic statements and related notices. If you elect to receive online statements for one account on a combined statement, statements for all related accounts will only be available online.

The Bank will send an email reminder to the email address you provide through Online Banking when your online statement becomes available for viewing. It is your responsibility to keep your email information current. Email addresses may be updated at any time by selecting Self Services within Online Banking.

You agree not to give or make available your online password to any unauthorized individuals. You agree that it is your responsibility to examine your online statements and to contact us as soon as possible to report any irregularities or disputes. Statements and any legal notices about your account will remain available online for 7 years. You may also print or download statements to your computer, without charge. The Bank will provide a printed statement copy upon request to our ExpressBank and payment of the current fee.

It is your responsibility to provide and maintain the proper hardware and software that will enable you to view account statements online, which is the same hardware and software as is used for Online Banking. Your statements will be provided in Adobe Portable Document Format (PDF). To access and retain a PDF file, you need the free Adobe Acrobat Reader (version 4.05 or higher).

The terms of this Agreement, applicable fees and service charges may be altered or amended by the Bank from time to time. You agree that electronic delivery or posting of disclosures, notices, modifications and other communications about the Service on the Online Banking website has the same effect as mailing them to you (including modifications to the terms of the Deposit Account Agreement and Schedule of Fees and Services). The Bank cannot guarantee receipt of the notices. Any use of the Service after the Bank posts a change will constitute your agreement to such change(s). Further, the Bank may from time to time revise or update the programs, and/or related material which may render all prior program versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the Service, and/or related material and limit access to the Bank's more recent revisions and updates of the Service.

Your use of the Service may also be affected by the agreements between us for your deposit, debit card, credit card and other linked accounts.

In the event you wish to discontinue the Service, you must contact the Bank in writing. Written notice of Service discontinuance must be supplied ten (10) days prior to the actual discontinuation date and must be sent to:

BOK Financial Online Statements P.O. Box 2300 Tulsa, Oklahoma 74192

The Bank may terminate use of the Service by any individual at any time. Neither termination nor discontinuance shall affect your liability or obligation under this Agreement.

Upon our request, you agree to sign a non-electronic version of this Agreement. At your request, we will provide you with a paper copy of any of the regulatory disclosures or notices about the Service posted electronically without charge by calling us at (800) 234-6181.