Make your money work for you.

City Bank Interest Checking

Designed for our customers that maintain higher balances, City Bank Interest Checking combines the best features of a checking account and a savings account. Earn a competitive interest rate on your balance yet still have easy access to your money for everyday needs. Write checks, use a debit card, make transfers, all while earning a return on your cash—it’s the best of both worlds. 


City Bank Interest Checking returns a market rate of interest along with a full array of services. You’ll get unlimited checking, a Debit Card1 with no fees, free online banking and bill pay, and more. All of these features are available with no service charge if you maintain a minimum daily balance of $1,500 or more.

  • Interest paid monthly on balances of just $1,500 or more
  • $122 service charge per statement cycle if balance falls below $1,500
  • Unlimited transactions
  • Overdraft Protection3 (ODP) could be added after 30 days if you qualify4
  • Convenient access to your account through online banking
  • Electronic Statements (E-Statements) are offered at no cost to you. A $5 fee2 per statement cycle will be applied for receiving paper statements.

Free Online Banking & Bill Pay

Save time and money with City Bank online banking and bill pay. View your bank statements online, schedule payments, transfer funds, access check images and more, all from your own computer. It’s free, secure and available when you are.

Get a Free City Bank Debit Card

Enjoy the convenience of a free City Bank MasterCard® personal debit card1 with your Interest Checking account. Forget about writing checks or carrying around a lot of cash. Just pay with your debit card at millions of places worldwide, anywhere MasterCard is accepted. There is no annual fee or monthly usage fee.

Enjoy the advantages of Interest Checking

No other bank offers you so many convenient ways to manage your money, all while earning interest on your checking account balance. Learn more about City Bank Interest Checking and how it can benefit you by calling 1-800-OUR-BANK today, or fill out the Contact Us form below and we will contact you soon.

1MasterCard® is a registered trademark of MasterCard International Incorporated. 2All fees subject to sales tax in New Mexico. 3Always a discretionary service: Overdraft Protection does not constitute an actual or implied agreement between you and City Bank. 4Once your account has been opened a minimum of 30 days, there has been two (2) deposits made to the account and the account is in good standing.