USA PATRIOT ACT

To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act, a Federal law, requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account, including business accounts.

What this means for you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. If you are opening an account on behalf of a business entity, documents relating to the business may also be requested.

Personal Checking

Our variety of checking accounts gives you the options you need as well as the financial sophistication you desire.

Regular Checking

  • $50.00 minimum to open
  • Image Statements and Image Checks
  • Over $500 -- No monthly fee
  • $0 - $499.99 -- $9.00 per month plus $ .30 per check after 20

Simple Checking

  • $50.00 minimum to open
  • $5.00 monthly service fee
  • $0.25 per check over 20 per month
  • Image Statements and Image Checks

E-Simple Checking

  • $50.00 minimum to open
  • $3.00 monthly service fee
  • $0.25 per check over 20 per month
  • E-Statements Required

First Choice Senior Checking 55+

  • $50.00 minimum to open
  • You must be 55 or older at time of opening this account
  • No monthly service charge
  • Image Statements and Image Checks

NOW Accounts (Personal & Non-Personal)
Interest Paid on Daily Balance

  • $2,500.00 minimum to open
  • $2,500.00 and Over-- No monthly service charge/Earns current FNB Now rate
  • $1,000.00 - $2,499.99 -- $6.00 per month plus $0.30 per debit over 15 (No interest)
  • $0 - $999.99 -- $11.00 per month plus $0.30 per debit over 15 (No interest)

Money Market Accounts

  • $2,500.00 minimum to open
  • $2,500.00 and Over-- No monthly service charge /Tiered interest rate, higher amounts may earn higher interest
  • $0 - $2,499.99 -- $9.00 per month (No interest)
  • Limit of 6 preauthorized withdrawals, automatic and internet banking transfers, checks, drafts and debit card transactions per statement cycle.
  • $6.00 per excessive debit

FASTCASH  Master Card Debit Card

  • The go everywhere, do anything card!
  • Fast, economical, convenient way to buy products and services
  • Withdraw from checking without writing a check
  • Use wherever Master Card is accepted
  • Also performs all functions of an ATM card

Image Statements and Image Checks -- Your monthly checking account statement includes our convenient "Image Checks". Your checks are laser printed on a page and arranged in numerical order.   "Image Checks" are considered valid proof of payment but if you need an actual size copy we can provide one for you quickly.

Overdraft Protection -- For your convenience you may arrange automatic transfer of funds from your regular savings or other accounts to your checking account which gives you overdraft protection and instant access to your savings through your checking account in an emergency.

Services are subject to New Mexico Gross Receipts Tax