When we say "simple," we mean it.

If all you want is a simple checking account with no strings attached, look no further than City Bank. It takes only a minimum deposit of $50 to open the account. After your account is open, there is no required minimum balance and there is no monthly fee. Plus your account comes with many more exciting features, such as a free City Bank MasterCard®1 debit card, free checks2, free online banking, free e-statements, free bill pay, and more. 

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Account Features


Electronic Statements (E-Statements) are offered at no cost to you. A $5 fee3 per statement cycle will be applied for receiving paper statements. 

No Monthly Service Charge

If you are looking to eliminate pesky monthly maintenance charges, City Bank’s Simple Checking is the account for you.

No Minimum Balance

It takes only a minimum deposit of $50 to open a Simple Checking account. After your account is open, there is no required minimum balance.

Free Debit Card

City Bank’s Simple Checking includes a free debit card1. It’s convenient, secure and rewarding, so you can shop and bank with confidence.

Unlimited Check Writing

At City Bank, we want you to be able to write as many checks as you like with no fees. We’ll even give you free checks2 to use with your account.

Overdraft Protection

The City Bank overdraft protection4 program is a simple way to avoid the inconvenience and embarrassment of denied transactions. Overdraft Protection (ODP) could be added after 30 days if you qualify.5

City Bank's Simple Checking includes a free Mastercard® Debit Card1 along with the feature-packed capability of our mobile app.

Maximum Flexibility

Make your banking better with Simple Checking from City Bank. To sign up, contact a City Bank representative by calling 1-800-OUR-BANK, visit any of our convenient locations or fill out the Contact Us form below and we'll contact you soon.

1MasterCard® is a registered trademark of MasterCard International Incorporated. 2Two free styles available. 3All fees subject to sales tax in New Mexico. 4Always a discretionary service: Overdraft Protection does not constitute an actual or implied agreement between you and City Bank. 5;Once 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.