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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 Signature Access Checking Signature Cornerstone Checking Centsible Checking
Minimum Opening Deposit $100 $100 $1,500 $2,500
Monthly Service Charge* $0
$9.00
$13.10
(if balance falls below $1,500)
$13.00
(if balance falls below $2,500)
Minimum Balance Requirement  N/A N/A $1,500 $2,500
Interest-Bearing No No Yes1,2 Yes2,3
Check & Deposit Images included with Monthly Statement No Yes Yes Yes

1No interest paid on balances below $1,000
2Interest Rate Subject to Change at any time
3No interest paid on balances below $2,500
*All Fees are subject to New Mexico Gross Receipts Tax
 
NextGen Checking
A 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, no monthly maintenance fee, and the tools to practice smart money management early.
 
Features NextGen Checking
Minimum Opening Deposit $100
Monthly Service Charge N/A
Minimum Balance Requirement N/A
Interest-Bearing No
Check & Deposit Images included with Monthly Statement Yes

Refined Checking
Thoughtfully crafted for customers age 50 and up—where experience meets advantage.
 
Features Refined Access Checking Preferred Gold
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
*All Fees are subject to New Mexico Gross Receipts Tax

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 Signature Access Checking Signature Cornerstone Checking Centsible
Checking
 
 
Minimum Opening Deposit $100 $1,000 $100 $100 $1,500 $2,500
Monthly Service Charge* $0
$13.10
(If balance falls below $1,500)
 $0
$9.00
$13.10
(if balance
falls below $1,500)
$13.00
(if balance
falls below $2,500)
Minimum Balance Requirement N/A $1,500 N/A N/A $1,500 $2,500
Interest-Bearing Yes2,3 Yes1 No No Yes1,2 Yes2,4
Check & Deposit Images included with Monthly Statement Yes Yes No 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
4 No interest paid on balances below $2,500
*All Fees are subject to New Mexico Gross Receipts Tax
 
NextGen Checking
A 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, no monthly maintenance fee, and the tools to practice smart money management early.
 
Features NextGen Checking
Minimum Opening Deposit $100
Monthly Service Charge N/A
Minimum Balance Requirement N/A
Interest-Bearing No
Check & Deposit Images included with Monthly Statement Yes

Refined Checking
Thoughtfully crafted for customers age 50 and up—where experience meets advantage.
 
Features Refined Access Checking Preferred Gold
Refined Advantage
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
*All Fees are subject to New Mexico Gross Receipts Tax

Bernalillo

 
Signature Checking
A versatile suite of accounts for customers age 18 and up, designed for everyday banking with elevated benefits.
 
Features Premium Choice Signature Access Checking Signature Cornerstone Checking Centsible Checking
 
 
Minimum Opening Deposit $100 $100 $100 $1,500 $2,500
Monthly Service Charge* $0 $0
$9.00
$13.10
(if balance falls below $1,500)
$13.00
(if balance falls below $2,500)
Minimum Balance Requirement  N/A N/A N/A $1,500 $2,500
Interest-Bearing Yes2,3 No No Yes1,2 Yes2,3
Check & Deposit Images included with Monthly Statement Yes No Yes Yes Yes

1No interest paid on balances below $1,000
2Interest Rate Subject to Change at any time
3No interest paid on balances below $2,500
*All Fees are subject to New Mexico Gross Receipts Tax
 
NextGen Checking
A 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, no monthly maintenance fees, and the tools to practice smart money management early.
 
Features NextGen Checking
Minimum Opening Deposit $100
Monthly Service Charge N/A
Minimum Balance Requirement N/A
Interest-Bearing No
Check & Deposit Images included with Monthly Statement Yes

Refined Checking
Thoughtfully crafted for customers age 50 and up—where experience meets advantage.
 
Features Refined Access Checking Preferred Gold
Refined Advantage
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
*All Fees are subject to New Mexico Gross Receipts Tax


























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Mobile Banking

Banking that moves with you.

Stay connected to your accounts wherever life takes you.
Fast, flexible, and built for your day.
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Quick Draw

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.