Checking Overview

Account Type Minimum To Open Eligibility Account Description Transactions Interest Paid Monthly Service Charge
Commercial Checking
(ODP $1,500 limit1)		 $250 All Businesses Checking account for commercial use Unlimited
None
By account analysis6
Small Business Checking
(ODP $1,500 limit1)		 $100 Small Businesses Checking account for small businesses with low account activity 150 combined deposits & check items (Debit Card, ATM, Checks, Each deposited item, etc.)
None
None
$.25 each item over the first 1506
Commercial Interest Checking2 $1,500 Sole Proprietors & Non-Profit Organizations Interest earning checking account  
Daily balance method4 Rated APY
$1,500 and over Variable5
below $1,500 None
Min. Daily Balance Monthly Fee6
$1,500 and over None
below $1,500 $20 per month
Commercial Money Market Account2 $1,500 All Businesses Interest earning account with limited withdrawals Six transactions per monthly statement cycle. (No more than six withdrawals per month by check or any payment order to a third party.)3
Daily balance method4 Rated APY
$100,000 and over Variable5
$50,000 - 99,999.99 Variable5
$25,000 - 49,999.99 Variable5
$1,500 - 24,999.99 Variable5
below $1,500 None
Min. Daily Balance Monthly Fee6
$1,500 and over None
below $1,500 $20 per month
$10 excess transaction fee11 for each withdrawal over the monthly limit
Commercial Savings2 $300 All Businesses Savings account for commercial use 6 withdrawals per quarterly statement cycle3
Daily balance method4 Rated APY
$300 and over Variable5
below $300 None
Interest compounded and paid quarterly
Min. Daily Balance Monthly Fee6
$300 and over None
below $300 $10 per quarter
$2 excess transaction fee6 for each withdrawal over the quarterly limit















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 1The Overdraft Protection (ODP) does not constitute an actual or implied agreement between you and City Bank. This service represents a purely discretionary courtesy or privilege that City Bank may provide to you from time to time and which may be withdrawn or withheld by us at any time without prior notice or reason or cause. NSF charge of $33.00 per item paid or returned applies. Overdrafts must be paid within 35 days. LIMITATIONS: Savings Type Accounts, Money Market Accounts, Public Fund / Charitable Organization Accounts and Minor Accounts are not eligible. We may limit the number of accounts eligible for ODP to one account per household and/or one account per tax payer identification number. ODP is always subject to approval and some restrictions do apply. Full details can be found in the Overdraft Protection Description. 2Interest earning accounts with high volume transactions could be subject to commercial analysis service charge. We reserve the right to at any time 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. 3Withdrawal limitations are governed by Federal regulations and if exceeded could result in your account being classified as a transactional checking account. 4This 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. 5Variable interest rates are subject to change without notice. APY = Annual Percentage Yield. 6All fees subject to sales tax in New Mexico.