Whether you need a business checking or savings account we have a great variety of business banking options available to you and your company. Click any of the options below to learn more about our business banking products.
Business Checking
Zia Small Business Checking
Put your business acumen to work with our Zia Small Business Checking Account.
Learn MoreRunning a business is hard work, your banking shouldn’t be. FNB New Mexico has created a business checking account just for you. We offer a low-cost solution for your Business Checking with modern conveniences such as Remote Deposit Capture.
Details
- Minimum opening deposit of $50
- Unlimited withdrawals
- No monthly fees
- Complimentary debit card upon opening your account
- $50 credit towards your first order of checks
- Online Banking, Bill Pay, Mobile Deposit, Text & Voice Banking
A commercial checking account for businesses with a high volume of transactions.
Details
- Minimum opening deposit of $50
- $50 credit towards your first order of checks
- Free deposit books (singles only)
- Free Debit/ATM Card
- Free 24/7 account access with Online Banking and Bill Pay
- Free 24/7 account phone access with Bank-by-Phone
- Statements include check and deposit images
- $50 Fee if account closed within 181 days
- Account subject to Account analysis fees
Earnings credit may offset all or a portion of your fees.
Zia Money Market Business
Looking for a safe place for your business funds? We have a solution for you.
Learn MoreOur Zia Money Market Business Account may be the right option for you. Our Money Market allows you the flexibility to still have access to your funds when you need them and earn interest at the same time.
- Minimum opening balance of $5000
- No minimum balance to obtain interest or APY
- No monthly service fee
- Online Banking, Bill Pay, Mobile Deposit, Text & Voice Banking
- No charge for Paper Statements or eStatements.
The following transactions are limited to six (6) each statement cycle:
- Automatic Transfer or Payments authorized and made payable to an individual or entity outside of the bank – including loan payments to another institution
- Automated Transfers made via Online Banking or Telephone
- Checks on Money Market Accounts
- Debit Card and Point of Sale Transactions
- Automatic Transfer to another FNB account including those made for the purpose of providing Overdraft Protection
- May be subject to $20 excessive withdrawal fee
Business Savings
ZiaHigh Savings Business
A penny saved is a penny earned. At FNB, we celebrate savers with an account to meet your goals and lifestyle.
Learn MoreTo open a business savings account, we require a minimum opening deposit of $50.
Details
- Minimum opening balance of $50
- Interest is paid based on tiered balances
- No monthly service fee when you maintain a $50 monthly balance, $5 quarterly fee if $50 monthly balance not maintained
- Online Banking, Bill Pay, Mobile Deposit, Text & Voice Banking
The following transactions are limited to six (6) each statement cycle:
- Automatic Transfer or Payments authorized and made payable to an individual or entity outside of the bank – including loan payments to another institution
- Automated Transfers made via Online Banking or Telephone
- Automatic Transfer to another FNB account including those made for the purpose of providing Overdraft Protection
- A $2 per item charge if the transaction limit is exceeded
Looking for a premium rate with the flexibility of a savings account. This is the elite savings account that offers just that.
- Minimum opening balance of $1,000
- No monthly service fee when you maintain a $1,000 monthly balance, $20 quarterly fee if $1,000 monthly balance not maintained
- Interest is paid based on tiered balances
- Interest compounded and credited quarterly
- Online Banking, Bill Pay, Mobile Deposit, Text & Voice Banking
The following transactions are limited to six (6) each statement cycle:
- Automatic Transfer or Payments authorized and made payable to an individual or entity outside of the bank – including loan payments to another institution
- Automated Transfers made via Online Banking or Telephone
- Automatic Transfer to another FNB account including those made for the purpose of providing Overdraft Protection
- A $2 per item charge if the transaction limit is exceeded
Business CDs
Business CDs
Be ENRICHED! When it comes to saving money for the future, FNB New Mexico can help.
Learn MoreWe offer a full range of fixed CD Rates to meet your financial needs.
Rate Information
We offer competitive CD rates on terms ranging from 30 days to 5 years. You can open a CD for as little as $1,000.00. For current interest rates, contact your local branch to speak with one of our personal bankers to help find the right CD for you.
Fixed-Rate CD
Enjoy a guaranteed return on your investment. Fixed-rate CDs are safe, secure and a smart part of a diversified investment plan. FNB New Mexico CD’s offer varied interest rates and terms to allow greater investment flexibility.
Interest Payment Options
Interest is paid monthly with several convenient options to choose from:
- Add the interest payment to the principal amount of your CD.
- Automatically deposit the interest to your FNB New Mexico checking or savings account.
- Receive an interest check by mail.
Automatic Renewal
Your CD will automatically renew at maturity; however, you have a ten-day grace period from the maturity date to withdraw the funds without penalty. You may change the term of your CD or make deposits or withdrawals during the grace period. Each renewal term will be the same as the original term, beginning on the maturity date.
Early Withdrawal Penalty
| CD Term: | 31 Day to 5 Months | 6 to 11 Months | 12 to 23 Months | 24 to 35 Months | 36 Months Plus |
|---|---|---|---|---|---|
| Penalty Calculation*: | The penalty will equal 3 months interest on the amount withdrawn subject to penalty plus any accrued but unpaid interest. | The penalty will equal 6 months interest on the amount withdrawn subject to penalty plus any accrued but unpaid interest. | The penalty will equal 9 months interest on the amount withdrawn subject to penalty plus any accrued but unpaid interest. | The penalty will equal 12 months interest on the amount withdrawn subject to penalty plus any accrued but unpaid interest. | The penalty will equal 24 months interest on the amount withdrawn subject to penalty plus any accrued but unpaid interest |