Checking Overview

Account Type Minimum To Open Account Description Interest Paid Service Charge
Reward Checking1 $50 Interest-earning checking account with no minimum balance requirement
Daily balance method2 Rated APY
$0-149,999.99 Variable3
$150,000 and over Variable3
No service charge if receiving e-statements

*$5 per statement cycle for paper statements5
Simple Checking $50 Basic checking account for personal use
No interest paid
No service charge if receiving e-statements

$5 per statement cycle for paper statements5
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

$12 per statement cycle5
Reward Platinum Member (RPM) Checking1 $10,025
One time $25 membership fee included in minimum to open account5		 Primary account holder must be age 55 and older
Daily balance method2 Rated APY
$150,000 and over Variable3
$100,000-149,999.99 Variable3
$10,000-99,999.99 Variable3
below $10,000 base rate
No service charge
Interest Checking Account1 $1,500 Interest earning checking account
Daily balance method2 Rated APY
$1,500 and over Variable3
below $1,500 None
Minimum daily balance Fee per statement cycle5
$1,500 and over None
below $1,500 $12
Money Market Investment Account $1,500 Account for those who like to save and have the potential to earn interest while keeping money readily available. 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 Fee per statement cycle5
$1,500 and over None
below $1,500 $12
$10 excess transaction fee for each withdrawal over 6 per statement cycle5
Savings $300 Earn interest while you save. 6 withdrawals per quarterly statement cycle4
Daily balance method2 Rated APY
$300 and over Variable3
below $300 None
Interest compounded and paid quarterly
Minimum daily balance Quarterly service charge5
$300 and over None
below $300 $10 per quarter
$2 excess transaction fee for each withdrawal over 6 per statement cycle5
Minor Checking $50 Checking account for minors. Must be joint with parent or legal guardian.
No interest paid
No service charge
Minor Savings  $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 6 per quarterly statement cycle5






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.