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Personal Banking

At FNB New Mexico, we are committed to providing quality accounts to meet your everyday banking needs.  We provide the latest technology to make your banking easy, such as Online Banking, Digital Payments, and Mobile Check Deposit.  We strive for excellence in personal service to be your long-term banking partner.


Checking Accounts

Click on any of the options below to learn more about our Personal Checking and Savings Accounts.

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ZIAmazing Checking

Be ZIAmazing with all the benefits that come with your new checking account powered by BaZing.

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The ZIAmazing checking account comes with several great features such as free Online Banking, Mobile Banking, Bill Pay, plus several other added benefits.

Details
  • Minimum opening deposit of $50
  • The monthly service charge varies from $0.00 to $6.00; Fee can be reduced by $1.00 with eStatement & by $0.20 / posted debit card transaction.
  • Complimentary checks in bank stock, up to 200 checks per year.
  • Online Banking, Bill Pay, Mobile Deposit, Text & Voice Banking.
  • ATM refunds*
  • Cell Phone Protection*
  • ID Theft Aid & Associated Benefits*
  • Shopping, Dining, & Travel Discounts*
  • Pharmacy, Eye Care & Hearing Savings*
  • Roadside Assistance*
  • Accidental Death Insurance*

*Please see BaZing Benefits Explanation

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Zia FREE eChecking

Enjoy the ease of banking with our Zia FREE eChecking account.

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Banking made easy with the Zia FREE eChecking account.  Simply enroll in monthly eStatements from FNB New Mexico and enjoy the hassle-free monthly service fees.

 Details
  • Minimum opening deposit of $50
  • No monthly service fees with eStatement enrollment, $5 monthly fee if not enrolled in eStatements.
  • Complimentary debit card
  • Online Banking, Bill Pay, Mobile Deposit, Text & Voice Banking
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Zia Personal Checking

Personal Checking designed with you in mind.

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Our Personal Checking account is designed with you in mind.  There are no monthly service fees if you carry a monthly balance of at least $500 a month, making this account a perfect simple banking option.

Details
  • Minimum opening deposit of $50
  • No monthly service fee when you maintain a $500 monthly balance, $10 fee if $500 monthly balance not maintained
  • Complimentary debit card
  • Online Banking, Bill Pay, Mobile Deposit, Text & Voice Banking
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Zia Interest Checking

Watch your checking account balance grow with our Zia Interest Checking.

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Want to earn more money with your checking account?  Have as much access at you want to your money and watch your balance grow with our Zia Interest Checking account.

Details
  • Minimum opening balance of $1000
  • No monthly service fee when you maintain a $1000 monthly balance, $10 fee if $1000 monthly balance not maintained
  • Complimentary debit card
  • Online Banking, Bill Pay, Mobile Deposit, Text & Voice Banking
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Zia Money Market

An interest-bearing account that works similar to a savings account.

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When you have a large sum of money and you’d like to earn more interest, consider a Money Market account.  This account is like a savings account but you can use a debit card or checks to access your money.  To open a MMA, you’ll need a minimum opening balance of $5,000.

Details
  • No monthly service fee.
  • To obtain interest or APY, the monthly minimum balance in the account must be $5,000.

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

Savings Account

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Health Savings Accounts

Be PREPARED. When it comes to your family's health, FNB New Mexico has the financial tools to make sure your family is covered.

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If you’re enrolled in a qualified High Deductible Health Plan, our Health Savings Account (HSA) can help you save for qualified medical expenses tax-free.  Paying for routine medical expenses like prescription co-pays and doctor bills is as easy as using your AimBank HSA Debit Card.  Visit with one of our local bankers to learn about the convenience and tax benefits of opening an AimBank HSA account.  
 

Health Savings Account Advantages:

  • You have the freedom to choose your health provider. 
  • A debit card is provided for your convenience to pay for prescriptions, doctor bills, or other medical fees.
  • Any unused funds will roll over from year to year.
  • There is no time limit on when you can use your HSA funds.
  • Additional retirement savings.  After the age of 65, funds can be withdrawn for any purpose without penalty. 

The advantages of tax-free savings:

  • Employer contributions are 100% tax-deductible from your normal salary.
  • Your accrued interest is tax-deferred.
  • Qualified medical expenses are tax-free.

HSA Eligibility:

  • Your current insurance plans must be a High Deductible Health Plan
  • You are not covered by another type of health plan unless it is also a High Deductible Health Plan.
  • You are not covered by Medicare.
  • You cannot be claimed as a dependent on another person’s tax returns unless it is your spouse.
  • You cannot have received medical benefits from the Veteran’s Administration at any time within the past three months.1
 1. This exclusion does not apply if you received medical benefits for service-controlled disabilities.
 
For more information on HSA Accounts, please see our FAQ.
HSA FAQ              HSA FAQ for Employers
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ZiaHigh Savings

A penny saved is a penny earned. At FNB New Mexico, we celebrate savers with an account to meet your goals and lifestyle.

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Whether you are saving money for a more significant purchase or wanting to have the financial security a savings account can offer, FNB New Mexico has the right option for you.  Our ZiaHigh Savings is a great way to manage your money, requiring only $50 to start saving today!

Details
  • Minimum opening balance of $50
  • No monthly service fee when you maintain a $50 monthly balance, $50 fee if $50 monthly balance not maintained

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 excessive withdrawal fee will apply to each transaction over the allotted 6 per statement cycle.
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Zia Elite Savings

Be Elite with our personal savings options.

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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

CDs and IRAs

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CDs and IRAs

FNB New Mexico offers flexible ways, from terms to rates, when investing your money in a CD or IRA.

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CDs

FNB New Mexico fixed-rate Certificates of Deposits (CDs) are investments that are stable and provide a secure guaranteed return. 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 and enjoy a return on your investment. These accounts are insured by FDIC up to $250,000. Fixed-rate CDs are safe, secure and a smart part of a diversified investment plan. FNB New Mexico CDs offer varied interest rates and terms to allow greater investment flexibility. For current interest rates, contact your local branch.

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.

Features & Benefits Include:

  • Competitive Rates
  • Guaranteed return on your investment
  • Flexible Terms, from 30 days to 5 years
  • Easy Automatic Renewal
  • Penalties apply for early withdrawal

IRAs

Traditional IRA

This IRA allows you to defer taxes on the earnings on your contributions until they are withdrawn. Certain contributions are tax-deductible in the tax year for which you make them.*

Roth IRA

These allow only nondeductible contributions and features tax-free withdrawals. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, if you expect to be in a higher tax bracket when you retire, you may benefit more from a Roth IRA than from a Traditional IRA.*

* Consult your tax advisor or legal counsel for advice and information concerning your particular situation. Representatives of FNB New Mexico may not give legal or tax advice.