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Checking

Personal Checking Accounts. Built to Last.

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At Western Commerce Bank, we know that true wealth is measured over time. That is why our accounts and rates are crafted with care—to quietly support your life today while preserving what matters for tomorrow. Thoughtful. Enduring. Designed for those building something that lasts.

*All services and fees are subject to New Mexico Gross Receipts Tax
 
Select your region to view account options tailored to your market.

Eddy & Lea

 


Roosevelt & Curry

 


Bernalillo

 



















Eddy & Lea

 
Signature Checking
A versatile suite of accounts for customers age 18 and up, designed for everyday banking with elevated benefits.
 
Features Basic Personal Checking Organized Checking Thrifty Checking Regular Checking Centsible Checking Centsible Investor Personal Money Market
Minimum Opening Deposit $100 $100 $100 $100 $1,500 $2,500
Monthly Service Charge $0 $13.10
$4.50
(If balance falls below $200)
$9.00
(if balance falls below $900)
$13.10
(if balance falls below $1,500)
$13.10
(if balance falls below $2,500)
Minimum Balance Requirement  N/A N/A $200 $900 $1,500 $2,500
Interest-Bearing No No No No Yes1,2 Yes1,2
Check & Deposit Images included with Monthly Statement No Yes Yes Yes Yes Yes

1No interest paid on balances below $1,000
2Interest Rate Subject to Change at any time
 
 
NextGen Checking
A student checking account for those under 18 or enrolled full-time in college up to age 23. This account supports young adults with essential banking access, clear monthly fees, and the tools to practice smart money management early.
 
Features Student Checking
Minimum Opening Deposit $100
Monthly Service Charge $1.25
Minimum Balance Requirement N/A
Interest-Bearing No
Check & Deposit Images included with Monthly Statement No

 
Refined Checking
Thoughtfully crafted for customers age 50 and up—where experience meets advantage.
 
Features Prime Time Preferred Gold Gold Money Market
Minimum Opening Deposit $100 $1,000 $2,500
Monthly Service Charge $0
$13.10
(If balance falls below $1,000)
$13.10
(If balance falls below $2,500)
Minimum Balance Requirement N/A $1,000 $2,500
Interest-Bearing No Yes1,2 Yes3,2
Check & Deposit Images included with Monthly Statement Yes Yes Yes

 
1 No interest paid on balances below $1,000
2 Interest Rate Subject to Change at any time
3 No interest paid on balances below $2,500
 

Roosevelt & Curry

 
Signature Checking
A versatile suite of accounts for customers age 18 and up, designed for everyday banking with elevated benefits.
 
Features Premium Choice Clovis/Portales Interest Checking Basic Personal Checking Organized Checking Thrifty
Checking		 Regular
Checking		 Centsible
Checking		 Centsible Investor -Personal
Minimum Opening Deposit $100 $1,000 $100 $100 $100 $100 $1,500 $2,500
Monthly Service Charge $0
$13.10
(If balance falls below $1,500)
 $0 $13.10
$4.50
(If balance falls below $200)
$9.00
(if balance
falls below $900)
$13.10
(if balance
falls below $1,500)
$13.10
(if balance
falls below $2,500)
Minimum Balance Requirement N/A $1,500 N/A N/A $200 $900 $1,500 $2,500
Interest-Bearing Yes2,3 Yes1 No No No No Yes1,2 Yes1,2
Statements include images of Checks & Deposits Yes Yes No Yes Yes Yes Yes Yes

1 No interest paid on balances below $1,000
2 Interest Rate Subject to Change at any time
3 No interest paid on balances below $500
 
 
NextGen Checking
A student checking account for those under 18 or enrolled full-time in college up to age 23. This account supports young adults with essential banking access, flat monthly fee, and the tools to practice smart money management early.
 
Features Student Checking
Minimum Opening Deposit $100
Monthly Service Charge $1.25
Minimum Balance Requirement N/A
Interest-Bearing No
Check & Deposit Images included with Monthly Statement No

Refined Checking
Thoughtfully crafted for customers age 50 and up—where experience meets advantage.
 
Features Prime Time Preferred Gold Good as Gold Gold Money Market
Minimum Opening Deposit $100 $1,000 $1,000 $2,500
Monthly Service Charge $0
$13.10
(If balance falls
below $1,000)
$13.10
(If balance falls
below $1,000)
$13.10
(If balance falls
below $2,500)
Minimum Balance Requirement N/A $1,000 $1,000 $2,500
Interest-Bearing No Yes1,2 Yes1,2 Yes3,2
Check & Deposit Images included with Monthly Statement Yes Yes Yes Yes

1 No interest paid on balances below $1,000
2 Interest Rate Subject to Change at any time
3 No interest paid on balances below $2,500
 

Bernalillo

 
Signature Checking
A versatile suite of accounts for customers age 18 and up, designed for everyday banking with elevated benefits.
 
Features Premium Choice Basic Personal Checking Organized Checking Thrifty Checking Regular Checking Centsible Checking Centsible Investor Personal Money Market
Minimum Opening Deposit $100 $100 $100 $100 $100 $1,500 $2,500
Monthly Service Charge $0 $0 $13.10
$4.50
(If balance falls below $200)
$9.00
(if balance falls below $900)
$13.10
(if balance falls below $1,500)
$13.10
(if balance falls below $2,500)
Minimum Balance Requirement  N/A N/A N/A $200 $900 $1,500 $2,500
Interest-Bearing Yes2,3 No No No No Yes1,2 Yes1,2
Check & Deposit Images included with Monthly Statement Yes No Yes Yes Yes Yes Yes

1No interest paid on balances below $1,000
2Interest Rate Subject to Change at any time
 
 
NextGen Checking
A student checking account for those under 18 or enrolled full-time in college up to age 23. This account supports young adults with essential banking access, clear monthly fees, and the tools to practice smart money management early.
 
Features Student Checking
Minimum Opening Deposit $100
Monthly Service Charge $1.25
Minimum Balance Requirement N/A
Interest-Bearing No
Check & Deposit Images included with Monthly Statement No

Refined Checking
Thoughtfully crafted for customers age 50 and up—where experience meets advantage.
 
Features Prime Time Preferred Gold Good as Gold Gold Money Market
Minimum Opening Deposit $100 $1,000 $1,000 $2,500
Monthly Service Charge $0
$13.10
(If balance falls
below $1,000)
$13.10
(If balance falls
below $1,000)
$13.10
(If balance falls
below $2,500)
Minimum Balance Requirement N/A $1,000 $1,000 $2,500
Interest-Bearing No Yes1,2 Yes1,2 Yes3,2
Check & Deposit Images included with Monthly Statement Yes Yes Yes Yes

1 No interest paid on balances below $1,000
2 Interest Rate Subject to Change at any time
3 No interest paid on balances below $2,500


























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Stay connected to your accounts wherever life takes you.
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Quick to lend a hand. True to our roots.

Our Quick-Draw Loan was built with our communities in mind. Fast, fair and honest. It is banking the way it should be: straightforward, local and done with care.