Personal Checking Accounts

Thoughtfully designed to provide convenience, value and the right combination of features to suit your individual needs.

All our checking accounts offer:

  • Free online and mobile banking for 24/7 access
  • Free online bill pay and eStatements for greater security and convenience
  • Visa Debit/ATM card for check-free purchasing flexibility
  • Optional overdraft protection for extra coverage when you need it
  • Direct deposit so you can skip a trip to the bank
  • Check safekeeping stores your check images electronically

Compare our checking accounts

Product

Staple Checking

Value CheckingPremier CheckingGolden Checking

At a Glance

Simple checking with online banking

Basic checking with interest

Premium level account with tiered interest rates

For those who are ages 50+, with no monthly service fee

Online Services

Online banking
with Bill Pay

Online Banking
with Bill Pay

Online Banking
with Bill Pay

Online Banking
with Bill Pay

Perks

  • Unlimited check writing
  • No minimum balance
  • Unlimited check writing
  • No minimum balance
  • Unlimited check writing
  • No minimum balance
  • Free standard checks
  • Free cashiers checks
  • No fee for stop payments
  • Unlimited check writing
  • No minimum balance
  • Free standard checks
  • Free cashiers checks

Interest Earning

no

yes

yes, with tiered rates to
reward higher balances

View current rates

yes

Monthly Service Fee

$5 with eStatements

$7 with paper statements

$5 waived with ten or more debit card purchases per statement cycle

$8

Fee waived with recurring
monthly direct deposit

OR

$1,500 average daily balance

$25

Fee waived with $25,000 average combined personal balances (checking, savings, CD, IRA and personal loan balances)

No monthly service fee


$100 minimum to open any account

Click here for our First National Santa Fe Fee Schedule.

Other fees may apply, including fees if overdraft activity occurs.See account fee schedule, ask for a Terms & Conditions brochure, or talk to a personal banker for more details on all of our personal checking accounts. Website contains most current information.