Advertising Ideas

Promoting partnership

A unique story and collection

Sherry and Joel Foutz purchased a small screen printing and embroidery business in 1987. “But six months later we had a fire and lost everything,” said Sherry. Now in their fifth and final location, Advertising Ideas has expanded into the family business it is today, employing 24 people (their children and one cat are also welcome). “Jonell started coming to work with me when she was six weeks old,” said Sherry. Now VP, Jonell Lucero recalls jumping in to help at an early age along with her siblings. “Now we’re a one-stop shop,” she said, including promotional products, engraving services, tactical uniforms, and rush orders. “Popular items come full circle,” said Jonell. “Like neon, trucker hats, and button-up coach jackets that were popular in the 80s.” Joel is involved with other family business and farming ventures in Kirtland. “He is supportive, but gives me wings to fly,” said Sherry.

Advertising Ideas provides the Connie Mack World Series souvenirs, and has for 30 years. “We work 15-hour days during Connie Mack,” said Sherry. She is a certified tribal affiliate (as a member of the Pottawatomi Tribe); as such, Advertising Ideas is a preferred vendor for the Navajo Tribe. She also takes advantage of federal loan programs for woman-owned small business (WOSB).

A common thread

Sherry believes that supporting local business has a trickle-down affect. “We try to accommodate that because it supports us too, which is why we choose to bank locally,” she said. “I support people who support us, and the bank buys from us too.” Sherry was referred to FCCB Commercial Lender, Clete Berens. “He is everything that we were looking for and understands our market,” said Sherry. “We went with a local bank because they know our community and economy,” said Jonell. “Other banks don’t take that into consideration.”

Sherry has since moved all her personal and business accounts to FCCB. “FCCB offers a wide spectrum of services. I use everything from online banking to lines of credit and commercial real estate loans,” she said. Jonell believes the relationship they have with a local bank is very beneficial. “And everyone at the bank is so friendly,” she said. Sherry says her son, Jesse, feels like he is treated like a king when he walks in. “Everyone jumps up to shake his hand. Banking locally makes a huge difference.”

Making good look better since 1987.

1207 San Juan Blvd.

Farmington, NM 87401

505.326.5002 | advertisingideas.com

Nearly Famous Salon and Spa

Soft spot for local business

Relax and escape

JoVella Blinzler has been cutting hair since high school. She credits her mom for sparking her interest as a little girl. With JoVella’s car packed and headed to scout schools in Texas and California, her mom ran out of the house stating Mr. John’s Academy had just called and awarded her a cosmetology scholarship! “I wouldn’t have had the life I have if I’d left,” she said, recalling how close she was to pulling out of the driveway that day.

JoVella received her license in 1981 and opened JoVella for Hair. She and her longtime former salon partner, Randy Rogers (of Randy Rogers Hair Design), saw Nearly Famous on a bumper sticker and were inspired to rename the shop when they joined forces in the late 80s. “We want people to relax and escape when they come in,” said JoVella, regarding the salon’s atmosphere. She gives her regular clients a personalized calendar to note their routine appointments. JoVella believes Nearly Famous is different because she works late, uses high-end products, has several long-term employees, and promotes the latest salon education.

Creative financing

The full-service salon has relocated a few times over the last 40 years, but is now in a new building, built by her husband, Ed. It wasn’t an easy project; multiple land and property complications delayed its opening. JoVella called FCCB President and CEO, Sheila Mathews about refinancing. “It was such a relief to have everything consolidated after all the trouble we had. She is my hero,” said JoVella. “It’s nice to have a local bank that is pro-business and wants to see people succeed.”

JoVella credits FCCB for creative financing and friendly service. She has also adopted FCCB’s account services, online banking, credit cards, and payroll for greater ease of business. “They changed my life. I am so grateful to Four Corners Community Bank.”

JoVella expresses gratitude to the following staff

Hair stylists: Lori Estrada, Joan Greenfield, Tammy Williams, Lindsey Garcia-Stinson, Jessen Chynoweth, Cadie Hargrove, Carolyn McAdams. Massage and spa: Sara Maxwell, Elizabeth Fernandez, Gina Keenan. Nails and pedi: Felencia Belin. Salon and desk coordinators: Lisa Johnson, Averee Adams Chacon, Lori Dollar. Office and inventory manager: Bobbi Nelson

Durango/Aztec Urgent Care

We take great care

The local difference

Durango/Aztec Urgent Care prides itself on offering more than typical urgent care services. “Compared to other clinics, we offer an advanced level of care in terms of staff experience and qualifications,” said CEO, Bryan Vincent. “We fill the gap between primary care and the ER,” added Owner Operator, Holly Andersen. “Plus, ER costs about five to six times more than going to urgent care, and the wait time is much higher.” Holly credits their commitment to providing a desirable workplace as a means of providing great service. “If staff are happy and enjoy coming to work, it shows in their care.” The clinics also offer job-related, pre-employment occupational services, and are open seven days a week. Owner/Operator, Mike Andersen says they are unique as the only locally owned and operated urgent care in Durango and Aztec. “We’re proud of that.”

Giving back to the community is also part of the local team’s business model. “Finding a need such as helping kids experience things they wouldn’t otherwise be able to is meaningful to us,” said Holly. For example, Durango/Aztec Urgent Care hosts Alien Mountain Bike Race along with FCCB and other Aztec businesses each year in May.

Where character matters

Mike feels FCCB’s philosophy and emphasis on knowing and trusting its borrowers is unique. “They had faith in us as people, our character mattered,” he said. He also appreciates the ease of doing business with FCCB. “Our loan process was simple and streamlined, and the board made quick decisions,” said Bryan. “We never felt like we were at the mercy of a corporate bank. We were told it would be easy, and they delivered.” He also appreciates not having any transaction errors since moving their accounts to FCCB, as well as having branches in the same cities they operate. “I can walk over to make deposits and talk face-to-face any time,” said Bryan. “I’ve never had anything other than positive experiences.” FCCB’s cash management services also help streamline their business operations and save them time. “And they know our names!” said Holly.

“As a small business, it’s nice to feel wanted versus feeling like a burden,” said Bryan. “FCCB is different in that they’re connected from the top, down. The communication is apparent.” The Andersen’s were also pleased with the same-day attention FCCB’s mortgage department provided. “Within 24 hours, we were pre-approved so we could move forward. That’s the difference: the responsiveness, how quickly we see results, and the follow through,” said Holly.

2577 Main Ave. | Durango, CO 81301

970.247.8382 | durangourgentcare.com

604 S. Rio Grande Ave. | Aztec, NM 87410

505.334.2664 | aztecurgentcare.com

Documents required for all business accounts

• Business name, physical address, contact information
• Tax ID number
• Type of ownership
• Number of owners with 25% or greater ownership of each entity and the Beneficial Ownership Certification Form

Owner/signers’ information

• Name, address, contact information
• Social Security Number
• Driver’s license or identification card

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Locate your business type below. Collect copies of the necessary documents in advance of coming in to open your account.

Corporation

• Proof of EIN
• Certificate of Incorporation
• Articles of Incorporation
• Certificate of Good Standing through state agency
• Bylaws
• Meeting minutes

Limited Liability Company (LLC)

• Proof of EIN
• Certificate of Organization
• Articles of Organization
• Certificate of Good Standing through state agency
• Operating Agreement

Sole Proprietor (DBA)

• Proof of EIN (if applicable)
• Business license/registered trade
• Statement of trade name (CO only)

Estate

• Proof of EIN
• Letters testamentary/appointment of personal representative

Non-Profit Corporation

• Proof of EIN
• 501 (c)(3) determination letter
• Certificate of Incorporation
• Articles of Incorporation
• Certificate of Good Standing through state agency
• Bylaws
• Meeting minutes

General Partnership

• Proof of EIN
• Articles of Organization
• Partnership Registration with state agency
• Partnership Agreement

Unincorporated Associations

• Proof of EIN
• Letter including officer names and authority level

Trust

• Trust agreement
• Tax ID number if applicable

Free digital services available with all checking accounts:

• One solution for all digital banking, whether on desktop, tablet, or mobile device
• eStatements, eNotices, and electronic tax forms (if applicable)
• Web Connect for QuickBooks and Quicken
• Bill pay
• Mobile deposit with personal mobile device
• Person-to-Person (P2P) transfers
• Online banking sub-user capabilities

Other free services available:

• Telephone banking
• Business Visa debit cards

*U.S. government-issued ID and proof of residency required to open a new account (if current address is not listed on U.S. government-issued ID). 

This account is ideal for small businesses with no monthly service charges.

Features

• No monthly service charge
• No minimum daily balance required
• Free Visa® business debit card
• Merchant credit card processing services available
• Cash management available
• Remote deposit capture available
• MasterCard® payroll cards available

Service charges

• $100.00 initial deposit to open
• Free daily currency purchases up to $5,000.00
  • $2.00 per purchase for amounts over $5,000.00
• No charge for:
  • Check writing
  • ACH debits and credits
  • Debit and credit items
    • Up to combined amount of 500 items ($0.25 per item after 500)

This account is an interest bearing account, ideal for businesses that have low transaction activity and maintain high balances.

Features

• Interest bearing
• Free Visa® business debit card
• Merchant credit card processing services available
• Cash management available
• Remote deposit capture available
• MasterCard® payroll cards available

Service charges

• $1,000.00 initial deposit to open
• $6.00 monthly service charge
  • Fee is waived with a $1,000.00 minimum daily balance
• $0.15 per check or other debit
• $0.15 per deposit or other credit
• $0.15 per transit item
• $0.10 per on us item

This account is ideal for businesses with high transaction volumes. A monthly analysis statement and earning credits are applied to offset account maintenance fees.

Features

• Analysis statement
  • Earnings credits are calculated at 90 percent of the three month US Treasury Bill rate effective each Wednesday.
• No minimum daily balance required
• Free Visa® business debit card
• Merchant credit card processing services available
• Cash management available
• Remote deposit capture available
• MasterCard® payroll cards available

Service charges

• $100.00 initial deposit to open
• $10.00 monthly service charge
• $0.15 per check or other debit
• $0.15 per deposit or other credit
• $0.07 deposited item charge
• $0.0004 per amount of cash deposited
• $2.00 for each returned deposit item
• $0.10 per roll of coin
• $0.25 per strapped currency (out)
• $5.00 per cashier’s check
• $25.00 per stop payment
• $20.00 per domestic wire transfer fee
• $45.00 per international wire transfer fee
• $5.00 incoming wire fee
• $2.00 per ACH return item fee

Money Market accounts are interest-bearing accounts that don’t tie up funds. Unlike a CD, which locks funds for a set period, a Money Market allows full access to funds; make deposits and limited withdrawals. Ideal for emergencies.

Features

• Interest bearing

Service charges

• $1,000.00 initial deposit to open
• $10.00 monthly service charge
  • Fee is waived with a $1,000.00 minimum daily balance
• Six free withdrawals or transfers per month
  • $10.00 per withdrawals or transfer after the sixth
  • No more than six transfers may be made by check, draft, or debit card to a third party

Features

• Interest bearing

Service charges

• $500.00 initial deposit to open
• $2.00 monthly service charge
  • Fee is waived with a $500.00 min daily balance
• Six free withdrawals or transfers per month
  • $2.00 per withdrawal or transfer after the sixth

CDs typically yield a higher return over a longer period. At maturity, funds are readily accessible and new strategic options can be discussed.

Features

• Interest bearing
• Various terms available
• Competitive rates for specific terms
  • Check our current rates below

Service charges

• $1,000.00 initial deposit to open
• Early withdrawal penalty may apply

Choose from a variety of sizes, offered at 500 West Main Street in Farmington and 77 West Main Street in Cortez.*

• 3×5      $15.00 annually
• 3×10    $25.00 annually
• 5×5      $25.00 annually
• 5×10    $50.00 annually
• 10×10  $75.00 annually

*No insurance coverage is provided on box contents by FDIC or this financial institution.

Other fees

• Box drilling fee $25 (does not include locksmith fee which ranges from $100-$350)
• Lost key/re-key $15 (does not include locksmith fee which range from $75-$200)

Can’t make it to the bank before close? Night deposit is available at each of our seven locations. A convenient way for to drop off end-of-day deposits. Visit us at any location and ask for a secure night drop deposit bag. (Night drop bag fee will apply.)

Rates are annual percentage yields (APY)

Certificate of deposit rates are subject to change at any time and are not guaranteed until account is opened. Minimum balance of $1,000.00 required for all CDs. A penalty may be imposed for early withdrawal.

Offering rates are subject to change without notice.
**The interest rate and annual percentage yield may change after account opening.
**Fees could reduce the earnings on the account.

For current rate information, please call 505.327.3222 (New Mexico), 970.565.8421 (Colorado), or 855.547.3222 (toll free).