Checking Overview

Account Type Minimum To Open Account Description Interest Paid Monthly Service Charge
Reward Checking1 $50 Checking account
Daily balance method2 Rated APY
$0-149,999.99 Variable3
$150,000 and over Variable3
No service charge
Image Reward Checking1 $50 Checking for personal use
Daily balance method2 Rated APY
Variable3
$5 per month charge for images5
Free Checking $50 Free checking account
E-statements only
No interest paid
No service charge
Image Checking $50 Checking for personal use
No interest paid
$5 per month charge for images5
Regular Checking $200 Regular checking account
No interest paid
Minimum daily balance Monthly fee5
$0-499.99 $12 Charge
$500-999.99 $8 Charge
$1,000 and over No Charge
Standard Club $200 Checking account with additional benefits including free wallet stock checks, safe deposit box discount (if available), cashier's checks at no charge, plus $10,000 Accidental Death Ins.
No interest paid
Monthly fee
$10 per month
Family Club $200 Checking account with additional benefits including free wallet stock checks, safe deposit box discount (if available), cashier's checks at no charge, plus $30,000 Accidental Death Ins.
No interest paid
Monthly fee5
$12 per month
55 and over Club $200 Checking account with additional benefits including free wallet stock checks, safe deposit box discount (if available), cashier's checks at no charge, plus $10,000 Accidental Death Ins.
No interest paid
Monthly fee
$6 per month
Reward Platinum Member (RPM) Checking1 $10,025
One time $25 membership fee included in minimum to open account5
Checking account for ages 55 and older
Daily balance method2 Rated APY
$150,000 and over Variable3
$100,000-149,999.99 Variable3
$10,00-99,999.99 Variable3
below $10,000 base rate
No service charge
Interest Checking Account1 $1,000 Interest earning checking account
Daily balance method2 Rated APY
$1,000 and over Variable3
below $1,000 None
Minimum daily balance Monthly fee5
$1,000 and over None
below $1,000 $12 per month
Platinum Checking1 $10,000 Interest earning checking account with images
Daily balance method2 Rated APY
$10,000 and over Variable3
below $10,000 base rate
No service charge
Money Market Investment Account $1,500 6 debit transactions per monthly statement cycle (No more than six by check or any payment order to a third party)4
Daily balance method2 Rated APY
$100,000 and over Variable3
$50,000 - 99,999.99 Variable3
$25,000 - 49,999.99 Variable3
$1,500 - 24,999.99 Variable3
below $1,500 None
Minimum daily balance Monthly fee5
$1,500 and over None
below $1,500 $12 per month
$10 excess transaction fee for each withdrawal over the monthly limit5
Minor Checking $50 Checking account for minors. Must be joint with parent or legal guardian.
No interest paid
No service charge
Savings $100 6 withdrawals per quarterly statement cycle4
Daily balance method2 Rated APY
$100 and over Variable3
below $100 None
Interest compounded and paid quarterly
Minimum daily balance Quarterly Fee5
$100 and over None
below $100 $5 per quarter
$2 excess transaction fee for each withdrawal over the quarterly limit5
Savings for Minors $25 6 withdrawals per quarterly statement cycle4
Daily balance method2 Rated APY
Interest compounded and paid quarterly Variable3
Pays interest on any positive balance
No service charge
$2 excess transaction fee for each withdrawal over the quarterly limit5
1We reserve the right to at anytime require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. 2This method applies a daily periodic rate to the collected principal each day your balance is above the stated account minimum. Interest begins to accrue no later than the business day the bank receives credit for your deposit. 3Variable interest rates are subject to change without notice. APY = Annual Percentage Yield. 4Withdrawal limitations are governed by Federal regulations and if exceeded could result in your account being classified as a transactional account. 5All fees are subject to sales tax in New Mexico.