ALL ACCOUNTS REQUIRE A MINIMUM OF $100 TO OPEN
ASK ABOUT OUR COMBINED STATEMENTS
*All service charges and fees are subject to New Mexico Gross Receipts Tax
- Personal Checking Account
- Organized Checking
- Thrifty Checking
- Basic Personal Checking
- Prime Time Checking
- Student Checking
- Centsible Checking
- Centsible Investor
- Preferred Gold Checking
- Gold Money Market
PERSONAL NON-INTEREST CHECKING PRODUCTS
| Personal Checking Account | |
| Description | Interest-Bearing |
20 free checks per cycle. Monthly statement cycle. |
This account is not interest-bearing. |
| Minimum Opening Deposit | |
| $100.00 | |
| Minimum Balance to Maintain | |
| $900.00 | |
| Monthly Service Charges | |
| No monthly charge if you maintain the minimum balance. | |
| If balance falls below minimum, the monthly charge is $9.00. | |
| Other Fees | |
| $0.12 for each additional check over 20 per cycle. | |
| For other services refer to service and fee brochure. | |
| Other Benefits | |
| Monthly statement with Image copies of checks printed in numerical order on three whole punched paper for binding. | |
| FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card. | |
| Organized Checking Account | |
| Description | Interest-bearing |
Unlimited check writing per Monthly statement cycle. |
This account is not interest-bearing. |
| Minimum Opening Deposit | |
| $100.00 | |
| Minimum Balance to Maintain | |
| None | |
| Monthly Services Charges | |
| Flat fee of $13.10 per statement cycle. | |
| Other Fees | |
| For other services refer to service and fee brochure. | |
| Other Benefits | |
| Monthly statement with Image copies of checks printed in numerical order on three whole punched paper for binding. | |
| FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card. | |
| Thrifty Checking Account | |
| Description | Interest-Bearing |
10 free checks per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle. |
This account is not interest-bearing. |
| Minimum Opening Deposit | |
| $100.00 | |
| Minimum Balance to Maintain | |
| $200.00 | |
| Monthly Service Charges | |
| No monthly charge if you maintain the minimum balance. | |
| If balance falls below minimum, the monthly charge is $4.50. | |
| Other Fees | |
| $0.40 for each additional check over 10 per cycle. | |
| For other services refer to service and fee brochure. | |
| Other Benefits | |
| Monthly statement with Image copies of checks printed in numerical order on three whole punched paper for binding. | |
| FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card. | |
| Basic Personal Checking Account | |
| Description | Interest-Bearing |
Unlimited check writing per cycle.
No monthly service Monthly statement cycle. |
This account is not interest-bearing. |
| Minimum Opening Deposit | |
| $100.00 | |
| Minimum Balance to Maintain | |
| None | |
| Monthly Service Charges | |
| None | |
| Other Fees | |
| An Image copy of a check may be requested for a fee of $2.00 per check. | |
| For other services refer to service and fee brochure. | |
| Other Benefits | |
| Monthly-truncated statement listing the date, check number and dollar amount of check. | |
| FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card. | |
| Prime Time Checking Account | |
| Description | Interest-bearing |
For customers over age 55. Unlimited check writing per cycle. No monthly service charge or per-check fee. You will receive Image copies of checks. Monthly statement cycle. |
This account is not interest-bearing. |
| Minimum Opening Deposit | |
| $100.00 | |
| Minimum Balance to Maintain | |
| None | |
| Monthly Services Charges | |
| None | |
| Other Fees | |
| For other services refer to service and fee brochure. | |
| Other Benefits | |
| Monthly statement with Image copies of checks printed in numerical order on three whole punched paper for binding. | |
| FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card. | |
| Student Checking Account | |
| Description | Interest-Bearing |
| Low monthly fee. No minimum balance. You will receive Image copies of checks. Monthly statement cycle. |
This account is not interest-bearing. |
| Minimum Opening Deposit | |
| $100.00 | |
| Minimum Balance to Maintain | |
| None | |
| Monthly Service Charges | |
| Minimum service charge of $1.25 per statement cycle. | |
| Other Fees | |
| $0.10 per check fee during the statement cycle. | |
| For other services refer to service and fee brochure. | |
| Other Benefits | |
| Monthly statement with Image copies of checks printed in numerical order on three whole punched paper for binding. | |
| FREE Voice Access, FREE Online Banking, FREE Direct Deposit. | |
PERSONAL INTEREST CHECKING PRODUCTS
| Centsible Checking Account | |
| Description | Interest-Bearing |
This account is for personal, sole proprietor and non-profit accounts only. Unlimited check writing per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle. |
Calculated daily, paid on statement cycle only. |
| Interest is not paid on balances below $1,000.00. | |
| The interest rate is subject to change weekly. | |
| Minimum Opening Deposit | |
| $100.00 | |
| Minimum Balance to Maintain | |
| $1,500.00 | |
| Monthly Service Charges | |
| No monthly charge if you maintain the minimum balance. | |
| If balance falls below minimum, the monthly charge is $13.10. | |
| Other Benefits | |
| Monthly statement with Image copies of checks printed in numerical order on three whole punched paper for binding. | |
| FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card. | |
| Centsible Investor – Personal Account | |
| Description | Interest-Bearing |
Three checks and three pre-authorized drafts/ACH items Monthly statement cycle. |
Calculated daily, paid on statement cycle only. |
| Interest is not paid on balances below $1,000.00. | |
| The interest rate is subject to change weekly. | |
| Minimum Opening Deposit | |
| $100.00 | |
| Minimum Balance to Maintain | |
| $2,500.00 | |
| Monthly Service Charges | |
| No monthly charge if you maintain the minimum balance. | |
| If balance falls below minimum, the monthly charge is $13.10. | |
| Other Fees | |
| A fee of $13.10 will be charged for each check over the limit per monthly cycle. |
|
| Other Benefits | |
| Monthly or quarterly statements with Image copies of checks printed in numerical order on three whole punched paper for binding. | |
| FREE Voice Access, FREE Online Banking, FREE Direct Deposit. | |
| Preferred Gold Checking Account | |
| Description | Interest-Bearing |
This account is for customers over the age of 55 years old. Unlimited check writing per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular interest bearing account. Inquire at your local branch for details. Monthly statement cycle. |
Calculated daily, paid on statement cycle only. |
| Interest is not paid on balances below $1,000.00. | |
| The interest rate is subject to change weekly. | |
| Minimum Opening Deposit | |
| $100.00 | |
| Minimum Balance to Maintain | |
| $1,500.00 | |
| Monthly Service Charges | |
| No monthly charge if you maintain the minimum balance. | |
| If balance falls below minimum, the monthly charge is $13.10. | |
| Other Benefits | |
| Monthly statement with Image copies of checks printed in numerical order on three whole punched paper for binding. | |
| FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card. | |
| Gold Money Market | |
| Description | Interest-Bearing |
| This account is for customers over the age of 55 years old. Three checks and three pre-authorized drafts/ACH items per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular money market account. Inquire at your local branch for details. Monthly statement cycle. |
Calculated daily, paid on statement cycle only. |
| Interest is not paid on balances below $1,000.00. | |
| The interest rate is subject to change weekly. | |
| Minimum Opening Deposit | |
| $100.00 | |
| Minimum Balance to Maintain | |
| $2,500.00 | |
| Monthly Service Charges | |
| No monthly charge if you maintain the minimum balance. | |
| If balance falls below minimum, the monthly charge is $13.10. | |
| Other Fees | |
| A fee of $13.10 will be charged for each check over the limit per monthly cycle. |
|
| Other Benefits | |
| Monthly or quarterly statements with Image copies of checks printed in numerical order on three whole punched paper for binding. | |
| FREE Voice Access, FREE Online Banking, FREE Direct Deposit. | |
