Checking - Carlsbad, Loving
Checking
Select a Location:
Ask about our combined statements
* All service charges and fees are subject to New Mexico Gross Receipts Tax
Regular Checking Account
Description: 20 free debits per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: $900.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $900.00. If balance falls below minimum, the monthly charge is $9.00
Other Fees: $0.12 for each additional debit over 20 per cycle. For other services, refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Organized Checking Account
Description: Unlimited debt transactions per cycle with no per-check fee. Low monthly fee. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: Flat fee of $13.10 per statement cycle.
Other Fees: For other services, refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Thrifty Checking Account
Description: 10 free debits per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: $200.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $200.00. If balance falls below minimum, the monthly charge is $4.50.
Other Fees: $0.40 for each additional debit over 10 per cycle. For other services, refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Prime Time Checking Account
Description: You must be at least age 50 and above to be eligible to open this account. Unlimited debit transactions per cycle. No monthly service charge or per-check fee. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: None
Other Fees: For other services, refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Student Checking Account
Description: Must be a student 18 or younger/or a full time college student 23 or younger. Low monthly fee. No minimum balance. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: Monthly service charge of $1.25 per statement cycle.
Other Fees: $0.10 per debit transaction during the statement cycle. For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Personal Interest Checking Products
Centsible Checking – Personal Account
Description: This account is for personal, sole proprietor and non-profit accounts only. Unlimited debit transaction per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $1,000.00
Minimum Balance to Maintain: $1,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $1,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Centsible Investor – Personal Account
Description: Six debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $2,500.00
Minimum Balance to Maintain: $2,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $2,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Fees: A fee of $12.50 will be charged for each debit over six per monthly cycle.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Preferred Gold Checking
Description: You must be at least age 50 and above to be eligible to open this account. Unlimited debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular interest bearing account. Inquire at your local branch for details. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $1,000.00
Minimum Balance to Maintain: $1,000.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $1,000.00. If balance falls below minimum, the monthly charge is $13.10.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Gold Money Market
Description: You must be at least age 50 and above to be eligible for this account. Six debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular money market account. Inquire at your local branch for details. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $2,500.00
Minimum Balance to Maintain: $2,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $2,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Fees: A withdrawal fee of $12.50 will be charged for each debit transaction in excess of six during a monthly statement cycle.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for
FREE Visa Debit Card.
Ask about our combined statements
* All service charges and fees are subject to New Mexico Gross Receipts Tax
* All service charges and fees are subject to New Mexico Gross Receipts Tax
Regular Checking Account
Description: 20 free debits per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: $900.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $900.00. If balance falls below minimum, the monthly charge is $9.00.
Other Fees: $0.12 for each additional debit over 20 per cycle. For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Organized Checking Account
Description: Unlimited debit transactions per cycle with no per-check fee. Low monthly fee. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: Flat fee of $13.10 per statement cycle.
Other Fees: For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Thrifty Checking Account
Description: 10 free debits per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: $200.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $200.00. If balance falls below minimum, the monthly charge is $4.50.
Other Fees: $0.40 for each additional debit over 10 per cycle. For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Basic Personal Checking Account
Description: Unlimited debit transactions per cycle. No monthly service charge or per-debit fee. This account does not come with Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: None
Other Fees: An Image copy of a check may be requested for a fee of $3.00 per check. For other services refer to service and fee brochure.
Other Benefits: Monthly-truncated statement listing the date, check number and dollar amount of check. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Prime Time Checking Account
Description: You must be at least age 50 and above to be eligible to open this account. Unlimited debit transactions per cycle. No monthly service charge or per-check fee. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: None
Other Fees: For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Student Checking Account Description:
Description: Must be a student 18 or younger/or a full time college student 23 or younger. Low monthly fee. No minimum balance. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: Monthly service charge of $1.25 per statement cycle.
Other Fees: $0.10 per debit transaction during the statement cycle. For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Personal Interest Checking Products
Centsible Checking – Personal Account
Description: This account is for personal, sole proprietor and non-profit accounts only. Unlimited debit transaction per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $1,000.00
Minimum Balance to Maintain: $1,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $1,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Centsible Investor – Personal Account
Description: Six debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $2,500.00
Minimum Balance to Maintain: $2,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $2,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Fees: A fee of $12.50 will be charged for each debit over six per monthly cycle.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Preferred Gold Checking Account
Description: You must be at least age 50 and above to be eligible for this account. Unlimited debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular interest bearing account. Inquire at your local branch for details. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $1,000.00
Minimum Balance to Maintain: $1,000.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $1,000.00. If balance falls below minimum, the monthly charge is $13.10.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Gold Money Market
Description: You must be at least age 50 and above to be eligible for this account. Six debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular money market account. Inquire at your local branch for details. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $2,500.00
Minimum Balance to Maintain: $2,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $2,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Fees: A fee of $12.50 will be charged for each debit over the limit per monthly cycle.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Ask about our combined statements
* All service charges and fees are subject to New Mexico Gross Receipts Tax
* All service charges and fees are subject to New Mexico Gross Receipts Tax
Regular Checking Account
Description: 20 free debits per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: $900.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $900.00. If balance falls below minimum, the monthly charge is $9.00.
Other Fees: $0.12 for each additional debit over 20 per cycle. For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Organized Checking Account
Description: Unlimited debit transactions per cycle with no per-check fee. Low monthly fee. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: Flat fee of $13.10 per statement cycle.
Other Fees: For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Thrifty Checking Account
Description: 10 free debits per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: $200.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $200.00. If balance falls below minimum, the monthly charge is $4.50.
Other Fees: $0.40 for each additional debit over 10 per cycle. For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Basic Personal Checking Account
Description: Unlimited debit transactions per cycle. No monthly service charge or per-debit fee. This account does not come with Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: None
Other Fees: An Image copy of a check may be requested for a fee of $3.00 per check. For other services refer to service and fee brochure.
Other Benefits: Monthly-truncated statement listing the date, check number and dollar amount of check. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Prime Time Checking Account
Description: You must be at least age 50 and above to be eligible to open this account. Unlimited debit transactions per cycle. No monthly service charge or per-check fee. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: None
Other Fees: For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Student Checking Account
Description: Must be a student 18 or younger/or a full time college student 23 or younger. Low monthly fee. No minimum balance. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: Monthly service charge of $1.25 per statement cycle.
Other Fees: $0.10 per debit transaction during the statement cycle. For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Personal Interest Checking Products
Centsible Checking – Personal Account
Description: This account is for personal, sole proprietor and non-profit accounts only. Unlimited debit transaction per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $1,000.00
Minimum Balance to Maintain: $1,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $1,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Centsible Investor – Personal Account
Description: Six debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $2,500.00
Minimum Balance to Maintain: $2,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $2,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Fees: A fee of $12.50 will be charged for each debit over six per monthly cycle.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Preferred Gold Checking Account
Description: You must be at least age 50 and above to be eligible for this account. Unlimited debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular interest bearing account. Inquire at your local branch for details. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $1,000.00
Minimum Balance to Maintain: $1,000.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $1,000.00. If balance falls below minimum, the monthly charge is $13.10.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Gold Money Market
Description: You must be at least age 50 and above to be eligible for this account. Six debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular money market account. Inquire at your local branch for details. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $2,500.00
Minimum Balance to Maintain: $2,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $2,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Fees: A fee of $12.50 will be charged for each debit over the limit per monthly cycle.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Premium Choice Checking
Description: The Premium Choice Checking Account is offered exclusively to our Albuquerque, Clovis, and Portales customers. No monthly service charge. No per-check charge. No ATM Charges at foreign machines. Any ATM charges incurred are refunded when a receipt is presented at Western Commerce Bank.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $500.00 each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: No minimum balance.
Monthly Service Charges: No monthly charge.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Good As Gold Money Market
Description: The Good As Gold Money Market Account is offered exclusively to our valued Albuquerque customers and has proven to be one of our most popular and well-received interest bearing accounts. Ask one of our employees how you can open yours today! You must at least age 50 and above to be eligible for this account. Six debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular money market account. Inquire at your local branch for details. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time. Interest is compounded and credited to the account monthly.
Minimum Opening Deposit: $1,000.00
Minimum Balance to Maintain: $1,000.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance. If balance falls below minimum of $1,000.00, the monthly charge is $13.10.
Other Fees: A fee of $12.50 will be charged for each debit over the limit per monthly cycle.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Ask about our combined statements
* All service charges and fees are subject to New Mexico Gross Receipts Tax
* All service charges and fees are subject to New Mexico Gross Receipts Tax
Regular Checking Account
Description: 20 free debits per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: $900.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $900.00. If balance falls below minimum, the monthly charge is $9.00.
Other Fees: $0.12 for each additional debit over 20 per cycle. For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Organized Checking Account
Description: Unlimited debit transactions per cycle with no per-check fee. Low monthly fee. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: Flat fee of $13.10 per statement cycle.
Other Fees: For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Thrifty Checking Account
Description: 10 free debits per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: $200.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $200.00. If balance falls below minimum, the monthly charge is $4.50.
Other Fees: $0.40 for each additional debit over 10 per cycle. For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Basic Personal Checking Account
Description: Unlimited debit transactions per cycle. No monthly service charge or per-debit fee. This account does not come with Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: None
Other Fees: An Image copy of a check may be requested for a fee of $3.00 per check. For other services refer to service and fee brochure.
Other Benefits: Monthly-truncated statement listing the date, check number and dollar amount of check. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Prime Time Checking Account
Description: You must be at least age 50 and above to be eligible to open this account. Unlimited debit transactions per cycle. No monthly service charge or per-check fee. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: None
Other Fees: For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Student Checking Account
Description: Must be a student 18 or younger/or a full time college student 23 or younger. Low monthly fee. No minimum balance. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: This account is not interest-bearing.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: None
Monthly Service Charges: Monthly service charge of $1.25 per statement cycle.
Other Fees: $0.10 per debit transaction during the statement cycle. For other services refer to service and fee brochure.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Personal Interest Checking Products
CLOVIS PORTALES INTEREST CHECKING
Description: This account is for personal, sole proprietor and non-profit accounts only. Unlimited debit transaction per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $1,000.00
Minimum Balance to Maintain: $1,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $1,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Centsible Investor – Personal Account
Description: Six debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $2,500.00
Minimum Balance to Maintain: $2,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $2,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Fees: A fee of $12.50 will be charged for each debit over six per monthly cycle.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Preferred Gold Checking Account
Description: You must be at least age 50 and above to be eligible for this account. Unlimited debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular interest bearing account. Inquire at your local branch for details. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $1,000.00
Minimum Balance to Maintain: $1,000.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $1,000.00. If balance falls below minimum, the monthly charge is $13.10.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
CLOVIS PORTALES MONEY MARKET
Description: You must be at least age 50 and above to be eligible for this account. Six debit transactions per cycle. Low monthly fee if minimum balance is not maintained. You will receive Image copies of checks. Pays a higher interest rate than regular money market account. Inquire at your local branch for details. Monthly statement cycle.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $2,500.00 in the account each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $2,500.00
Minimum Balance to Maintain: $2,500.00
Monthly Service Charges: No monthly charge if you maintain the minimum balance of $2,500.00. If balance falls below minimum, the monthly charge is $13.10.
Other Fees: A fee of $12.50 will be charged for each debit over the limit per monthly cycle.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
Premium Choice Checking
Description: The Premium Choice Checking Account is offered exclusively to our Albuquerque, Clovis, and Portales customers. No monthly service charge. No per-check charge. No ATM Charges at foreign machines. Any ATM charges incurred are refunded when a receipt is presented at Western Commerce Bank.
Interest-Bearing: Calculated daily, paid on statement cycle only. You must maintain a minimum balance of $500.00 each day to obtain the disclosed annual percentage yield. We may change the interest rate on your account at any time.
Minimum Opening Deposit: $100.00
Minimum Balance to Maintain: No minimum balance.
Monthly Service Charges: No monthly charge.
Other Benefits: Monthly statement with Image copies of checks printed in numerical order on three-hole punched paper for binding. FREE Voice Access, FREE Online Banking, FREE Direct Deposit, and Apply for FREE Visa Debit Card.
