Personal Checking
A basic, no-frills checking account designed for normal check writing volumes.
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Requirements
Benefits
- First 40 Debits Per Month ~ Free
- ATM Card ~ Free
Cost
- Monthly Fee With Check Safekeeping ~ $7
- Monthly Fee If Items Returned With Statement ~ $9
- Debit Charge After 40 Items Per Month ~ $0.25
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NOW Personal Checking1
A basic, no-frills checking account designed for normal check writing volumes and to pay a competitive rate of interest.
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Requirements
- Minimum To Open ~ $1,000
- Minimum Collected Balance To Earn Interest ~ $1,000
Benefits
- Monthly Fee With Balance $1,000 Or More:~ No Charge
- First 40 Debits Per Month ~ Free
- Interest Compounded and Paid ~ Monthly
- ATM Card ~ Free
Cost
- Monthly Fee With Balance Under $1,000:
With Check Safekeeping ~ $10
If Items Returned With Statement ~ $12
- Debit Charge After 40 Items Per Month ~ $0.25
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Money Market Account1,2
A money market account offering limited check writing and a competitive rate of interest, designed for households wanting easy access and a good return on "extra" funds.
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Requirements
- Minimum To Open ~ $1,000
- Minimum Collected Balance To Earn Interest ~ $1,000
Benefits
- Monthly Fee With Balance $1,000 Or More ~ No Charge
- Interest Compounded and Paid ~ Monthly
- ATM Card ~Free
Cost
- Monthly Fee With Balance Under ~ $1,000:
With Check Safekeeping ~ $10
If Items Returned With Statement ~ $12
- Debit Charge After 3 Per Statement (Each) ~ $5
- Maximum 3rd-Party Withdrawals Per Statement ~ 6
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Main Money Account1,2
Designed for those who have funds to invest and want easy access and a good return – our highest non-time-deposit rate.
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Requirements
- Minimum To Open ~ $2,500.
- Minimum Collected Balance To Earn Interest
~ $2,500.
~Tiered Rates Based on Balances~
- Limited check writing
Benefits
- Interest Compounded and Paid ~ Monthly
- Monthly Fee With Balance $2,500.Or More ~ No Charge
Cost
- Monthly Fee With Balance Under $2,500. ~ $15
- Debit Charge After 3 Per Statement (Each) ~ $5
- Maximum 3rd-Party Withdrawals Per Statement ~ 6
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Personal Savings1,2
Designed for households as a safe place to accumulate savings.
Charges discourage withdrawals.
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Requirements
- Minimum To Open ~ $100
- Minimum Collected Balance To Earn Interest ~ $100
- Monthly Fee With Balance $100 Or More: ~ No Charge
Benefits
- Interest Compounded and Paid ~ Quarterly
- ATM Card ~ Free
- Combined Monthly Statement ~ Free
Cost
- Monthly Fee With Balance Under $100 ~ $3
- Withdrawal Charge After One Per Month ~ $1
- Debit Charge After 3 Per Statement (Each) ~ $5
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Certificates of Deposit1
CD Rates
For Current Terms and Rates Use the Link Above or Call
Albuquerque: (505) 880-1700
Individual Retirement Accounts1
IRA Rates
For Current Terms and Rates Use the Link Above or Call
Albuquerque: (505) 880-1700
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MainStream Savings Account1,2
A savings account with a premium yield. |
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Requirements
- Minimum To Open and earn Higher Yield ~ $5,000
- Quarterly Fee with Balance of $5,000 or more ~ No Charge
- Quarterly
Fee with Balance under $5,000 ~ $25
- A checking account must accompany
this account
Benefits
- Higher Yield than most savings accounts
- Interest Compounded and Paid ~ Quarterly
- Statement delivery
electronically via the Internet
Cost
- Debit Charge via the Internet after 1 per Quarter ~ $25
- Over the
Counter Withdrawals ~ $4
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1. Interest Rates and Annual Percentage Yields (APY) are variable and may change at any time at the Bank’s discretion. No floor or ceiling has been established. A minimum collected balance must be maintained to obtain the APY. The minimum collected balance that must be maintained is equal to the "Minimum Collected Balance to Earn Interest" amount disclosed for each product. We use the daily collected balance method to calculate interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. We use an interest accrual basis of 365 days for each day of the year. Interest begins to accrue no later than the business day after the bank receives credit for the deposit of non-cash items such as checks. Accrued but unpaid interest may not be paid if the account is closed. Seven Days notice of withdrawal may be required.
2. Pre-authorized automatic and telephonic transfers to a third party or another account of the depositor of this Bank are limited by Federal Regulation to six per statement. No more than three of these may be made by check, draft or similar external order to pay.
3. Federal eligibility requirements apply.
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