Personal Banking / Checking
 Checking options range from basic free checking to a variety of interest-bearing accounts and other features, all designed to help you manage your money effectively.
With any option, you can enjoy Internet access to your account, the convenience of a New Mexico Bank & Trust Check Card, and monthly statements that work for you. All accounts are FDIC insured.
Cash Rewards Checking
Cash Rewards Checking isn’t like other checking accounts that require high balances or charge monthly fees to earn interest.
Cash Rewards Checking offers 6.01% APY* and Free ATMs nationwide, along with some great benefits.
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Free Checking
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Free Debit Card**
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Free Online Banking
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Free Bill Pay
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No Minimum Balance Requirement
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No Monthly Fees
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ATM Fees are automatically refunded
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Always earn interest, regardless of your balance!
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6.01% APY* on balances of $.01 to $20,000
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1.51% APY* on balances over $20,000
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0.25% APY* on balances even when you don't meet the 3 easy steps!
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Just Three Easy Steps to Earn Bonus Rates and Free ATMs Nationwide***
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A.
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Use your FREE Debit Card**
Make purchases without writing checks using our FREE VISA® Debit Card. Simply have 12 or more signature-based purchases posted within the monthly qualification cycle.
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B.
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Make an automatic payment or direct deposit
Have one or more automatic payment (like a utility bill) or direct deposits each month.
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C.
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Go electronic and eliminate paper statements with FREE eStatements
Each month we’ll send you an email to tell you your statement is ready to view online. You must have a valid email address to receive notification.
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We want to REWARD you for helping us operate more efficiently. If you don't do everything you need to do to get the Rewards one month, don't worry - you still have a great free checking account, and you can try again to meet the requirements the next month.
Ready to start earning? Stop in today and open your Cash Rewards Checking account!
More Information
*Cash Rewards Checking requires $25 opening balance; no minimum balance thereafter. If requirements are met during statement cycle, 6.01% Annual Percentage Yield (APY) (Cash Reward) is paid up to $20,000. On any balance above $20,000, 1.51% APY is paid. If requirements are met during the statement cycle, ***ATM surcharge fees of up to $20 per statement cycle will be refunded. Requirements for earning Cash Rewards and fee refunds include: 12 debit transactions in statement cycle (ATM transactions excluded), and electronic statement delivery, and one direct deposit or ACH debit per statement cycle. APY accurate as of 1/14/08. Rates and terms subject to change without notice. ** Replacement/Lost Card Fees May Apply. At the present time, New Mexico Bank & Trust is accepting accounts only from its local service areas.
Click here for more information about Checking Plus.
| Free Checking |
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Non-interest bearing
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No monthly fees |
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No per item fees |
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| Interest Bearing |
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Pays interest on balance |
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Unlimited check writing |
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Free check card* |
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Low minimum balance |
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| Relationship Checking |
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Unlimited check writing |
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Interest bearing |
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Free check safekeeping |
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Free checks |
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Free check card* |
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Requires other accounts with bank |
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| Money Manager 5000 |
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Earns interest competitive with money market rates |
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Unlimited check writing |
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Free checks |
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Free check card* |
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Minimum balance |
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*Lost or replacement card fee may apply.
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