Online banking conversion took place on December 15, 2025.

Yes, available for download on December 15, 2025, there is a new mobile app available to download to access your accounts. 

 *Please note, all users will need to login into the web version of the new online banking system for the first time before logging into the mobile app.* 

Click here for the iPhone App Store Download

Click here for the Android App Store Download

Clients will login to Flatirons Bank from the web version of www.flatirons.bank, with your existing username/password. (The homepage will be updated at 8am on 12/15/25 with the new login module.) You'll then come to the new system "Boarding Pass", where you'll verify yourself with information you've already given us (including social, account number, etc.), which will then prompt you to reset your password. You'll then be able to login to your new online banking portal.

Once the new system is live after conversion weekend, the new login will be available on our website www.flatirons.bank, similar to the current login. (The homepage will be updated at 8am on 12/15/25 with the new login module.) The app version of the new online banking system will be available for login once you've gone through the web-version enrollment.

All clients are required to use Multi-Factor Authentication (MFA) to access their online banking accounts. The MFA methods change for clients with just personal banking accounts and those with business banking. 

For most personal banking clients, we encourage you to use text MFA. (See below FAQ link for details on how to set that up.)

Business banking clients will also need to use MFA for their online banking access and call the bank to finalize their setup. (See below Business Account Information section for more business MFA details.)

Why Banks Use MFA:
Banks use multi-factor authentication (MFA) to add an essential layer of protection to online accounts, helping prevent unauthorized access even if login credentials are compromised. It significantly reduces the risk of fraud and cyberattacks by requiring users to verify their identity with something beyond just a password.

Why Clients Are Required To Use It:
Clients need to use MFA to better secure their sensitive financial data and protect their assets from identity theft or fraud. It’s a quick step that offers powerful peace of mind every time they access their accounts.

Here is a step-by-step guide to setting up text MFA, which is more secure than email MFA: 

1.  First you'll need to add your mobile phone number to your profile. Click on your name in the top right corner to see the menu options.
2. Click on 'Contact Information' to add/update your mobile number.
3. Scroll down and input your mobile number here and click 'Save' at the bottom of the page.
4. Next, click on the 'Services & Settings' menu option at the top of the page.
5. Click on 'Security Code Delivery' to set up MFA.
6. You'll need to enroll to receive text alerts first. Click the hyperlink highlighted below to set that up.
7.  Select the checkbox on the next screen to agree with the terms listed, and click continue.
8. You'll receive a registration code via text message on your mobile device, enter that code on the next screen when prompted.
9. You'll receive a confirmation page that "Your mobile phone number has been successfully enrolled to receive text alerts from Flatirons Bank". 
   
   

We are transitioning your Bill Pay Admin, but sub-users will not convert automatically to the new Bill Pay system. They will convert within online banking, and should go through the initial login process outlined above. Once both the account admin and sub-users have logged into the new system, please call the bank to move to the next steps - 303-530-4999.

Once the bank has set up your sub-users on the back-end, you'll then be able to assign their permissions in both Online Banking Bill Pay and within Allied Bill Pay. Click here for a tutorial to add sub-users to Online Banking Bill Pay.

If you're a personal banking client using secondary Bill Pay users, please call us at 303-530-4999 for assistance. 

Recurring Bill Pay payments will convert to the new Online Banking system; no new set up is needed.

Bill Pay Payee information will convert to the new Online Banking system; no new set up is needed.

 No, recurring transfers will not convert to the new system.

Yes, all business accounts with Treasury Management solutions will be required to update their MFA token using a new MFA authenticator app, VIP Access. Check your email send 12/15/25 for an activation guide, and secure links to download VIP Access.

No, starting Monday, your positive pay exceptions are due by noon. You will receive an email at 7:00 AM Monday, December 15, if you have any exceptions that require a response. 

No, external transfers can only be accessed by the business admin user - sub-users do not have external transfer privileges

The new system will have 5 months of transaction history available to view. Additionally, 2 years of statements will also be available for download. 

Clients will no longer have access to the old online banking system. For your convenience, we had kept inquiry only mode for a month after conversion, but that time has now elapsed. For any questions, please call us at 303-530-4999.