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Justice Banking
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Operating and Savings Solutions1

Legal Advantage Operating Account

  • Combined Minimum Balance to waive monthly and transaction fees: $75,0002
  • Monthly Maintenance Fee: $75
  • Earns Interest: Not applicable
  • Unlimited Transactions: deposits, withdrawals, and treasury services (wires, ACH, positive pay, RDC) included.4

Legal Advantage Money Market Savings Account

  • Opening Deposit: $0
  • Minimum Balance to waive monthly fee: $25,000
  • Monthly Maintenance Fee: $25
  • Earn Interest with premium rates

COLTAF & IOLTA Accounts3

Justice Banking COLTAF and IOLTA Accounts

  • COLTAF and IOLTA Account Cost: $0
  • Funds Transfer Capabilities
  • Automated Interest Reporting: Seamless compliance with state bar association requirements (CO & CA), with automated interest calculation and remittance.
  • Earns Interest: Interest rate varies depending on state specific requirements.

Treasury & Cash Management

Integrated Digital Tools

  • Advanced treasury capabilities with ACH, wires, RDC and positive pay
  • Custom sub-user permissions and dual approvals
  • Integration with Quickbooks, MX and Plaid
  • Real-time transaction monitoring
  • User-friendly reporting for account reconciliation
  • Cash Management Cost: $04
  • Additional services available at a cost: Lockbox, Merchant Services, Credit Cards and Employee Expense Management

Justice Escrow Integration5

  • Exclusive Benefit: Justice Banking clients won’t pay any Justice Escrow QSF Administration fees with a qualifying Justice Banking account.3

Learn more about Justice Escrow 

Home Lending6

Home lending in all 50 states

  • Conventional Mortgage
  • Bridge Loan
  • Home Equity Line of Credit (HELOC)
  • Lot/Construction Loan

Lending Solutions6

Working Capital Lines of Credit

  • Secure flexible financing to cover cash flow needs
  • Competitive rates and terms tailored to your firm’s cash flow cycle

Partner Buy-In & Succession Loans

  • Financing to facilitate partner buy-ins, equity purchases, and succession planning
  • Flexible structures to support long-term growth

Justice Banking Equipment & Office Expansion Loans

  • Fund office renovations, technology upgrades, and legal practice expansion
  • Competitive fixed and variable rate options
1 Account terms, rate tiers, and conditions may be amended at any time. Minimum balance required to waive fees is $75,000 in combined balances across Legal Advantage Operating Account and COLTAF/IOLTA account balances. Fees may reduce earnings on interest bearing accounts. Accounts may be closed if the account remains at a zero balance for 90 days. Interest rate and Annual Percentage Yield (APY) may change at any time at the Bank's discretion. Please contact our Justice Banking team for current rates and additional account terms and conditions. 2 The combined balance is calculated as the sum of balances in Legal Advantage Operating accounts and COLTAF/IOLTA accounts for all related entities. 3 Must open a Legal Advantage Operating Account to open a COLTAF or IOLTA account and maintain the minimum monthly balance of $75,000 across both COLTAF/IOLTA and Legal Advantage Operating Accounts accounts to waive monthly and transaction fees. Flatirons Bank is an approved COLTAF/IOLTA bank in Colorado and California and does not currently offer these accounts in other states. Flatirons Bank is a California Leadership Financial Institution (Leadership Financial Institutions | The State Bar of California) and does not charge any fees on California IOLTA accounts. 4 Cash management benefits listed here will be available for clients with a Legal Advantage business checking account that maintains the required minimum balance between their checking account and IOLTA/COLTAF accounts. Additional treasury management and cash management services are available for a fee. 5 QSF Administration fees are only waived by having a qualifying business checking account and maintaining the required minimum balance. Talk to your Justice Banking relationship manager for more details. Terms and conditions apply. 6 All loans are subject to credit and underwriting approval. This is for informational use only and does not qualify as a commitment to lend.

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Justice Banking is a specialized banking program offered by Flatirons Bank. All deposit accounts, treasury services, and lending products are subject to Flatirons Bank’s standard account agreements, eligibility requirements, and applicable disclosures.