After your CNB Bank checking application has been approved, you will receive CNB Bank’s routing and transit numbers along with your account number. Simply call 1-800-772-1213 and have your Social Security Number and account information available to set up your direct deposit right over the phone.
After your checking application has been approved, you will receive CNB Bank’s routing and transit number along with your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources – payroll department at your company, and your direct deposit will usually begin within thirty days.
Yes! CNB Bank has two ways of serving you by phone. By calling 1-575-234-2500 Monday thru Friday, 8:00am-5:00pm Mountain Standard Time, you can speak with a customer service representative who will be happy to review your account with you and answer your questions. Also, after hours, or during banking hours by request, you can reach our automated voice response system at 1-575-234-2525. All you need is a touch-tone phone, your account number, and your personal identification number (PIN). The first time you use Touch-Tone Banking, you will be instructed on how to select you PIN.
The CNB Bank offers a variety of checking and savings account products, both with and without monthly maintenance fees, to fit your individual needs. We offer free Senior Checking to anyone over the age of 60 in addition to our limited service Free Checking product. For more detail, check our Products and Services page.
The CNB Bank offers small businesses a business checking account with 100 or less items at a low maintenance fee. All other businesses are service charged by account analysis. For more detail, check our Products & Services page.
Yes! Our Interest Checking account pays a competitive rate of interest on balances over $1000.
We hope you stay with us, but just in case, we make it very simple to cancel your CNB Bank checking account. Please call 1-575-234-2536 and speak with a customer service representative who will be happy to assist you in closing your account. Accounts closed within 90 days will be assessed a fee of $25.00.
Yes! Funds can be transferred to and from the CNB Bank accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call our wire transfer department for details at 1-575-234-2557.
CNB Bank offers a variety of Certificates of Deposits with competitive interest rates ranging between 60 days to 60 months.
Yes! CNB Bank offers a variety of IRAs for your future financial security and will keep you in touch with all the new rules and regulations. We will also take care of all the details of transferring your account to our bank.
Immediately, upon request each account is issued a free ATM card with free access on CNB Bank ATMs.
Yes! Visa check cards ae available for qualifying personal and commercial accounts.
CNB Bank will never request personal information by email or text messaging including account number, passwords, personal identification information, or any other confidential customer information. Fraudulent emails may be designed to appear as though they are originated by CNB Bank. Do not respond to any email communications, which request any type of personal or confidential information and do not go to any links listed on that email. These emails are not originated by CNB Bank. Never give out any information, which the bank already has, through text message or email. If you contact us, we may verify the last four digits of your SSN to confirm your identity but we will never contact you and ask for your full SSN. If we need to contact you, it will always be done in a manner that protects your personal confidential information and we work diligently to do so. We always work with the local regulatory and law enforcement departments to be certain any type of illegal activity is stopped as soon as possible. We have multi-layer security to protect your confidential information and will continue to be vigilant in protecting it. Immediately report any suspicious emails or websites that appear as though they are originated by CNB Bank.
If you suspect identity theft or have any questions regarding this notice, please contact CNB Bank at 575-234-2500.
To ensure security in your e-banking transactions and personal information, please be aware of the following guidance
Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.
Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:
Person to Person Telephone Transfers – types of transfers, dollar limitations, and charges – You may access your account by telephone using your account numbers, your social security number, and date and amount of last deposit, to:
Touchtone Banking Telephone Transfers – types of transfers – You may access your account by telephone by calling (575) 234-2525, 24 hours a day, seven days a week, using your personal identification number, a touch tone phone, your account numbers, and your social security number, to:
ATM Transfers – NYCE and Pulse® Networks – types of transfers, frequency and dollar limitations, and charges – You may access your account(s) by using your ATM card and personal identification number or VISA® DebitCard and personal identification number, to:
Some of these services may not be available at all terminals.
Types of ATM Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person) and pay for services (in person).
Point-of-Sale Transactions – dollar limitations – Using your card:
Types of VISA® DebitCard Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.
Point-of-Sale Transactions – dollar limitations – Using your card:
Currency Conversion and International Transactions.
(a) For point-of-sale (merchant) transactions. When you use your VISA® DebitCard for this type of transaction and it settles in a currency other than US Dollars, the charge will be converted into the US Dollar amount. The currency conversion rate used to determine the transaction amount in US Dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.
Visa USA charges us a .8% International Service Assessment on all international transactions if there is no currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. As a result, we will charge you a .8% international transaction fee on all international transactions if there is no currency conversion. If there is a currency conversion, we will charge you an international transaction fee of 1% of the transaction. An international transaction is a transaction where the country of the merchant is outside the USA.
(b) For ATM transactions. When you use your VISA® DebitCard for this type of transaction and it settles in a currency other than US Dollars, MasterCard/Cirrus will convert the charge into a US Dollar amount. The MasterCard/Cirrus currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard/Cirrus. The exchange rate MasterCard/Cirrus uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.
MasterCard/Cirrus charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, MasterCard/Cirrus charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we will charge you a currency conversion fee of .2% of the transaction if there is a currency conversion and a cross-border transaction fee of .9% of the transaction. The cross-border transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.
Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Internet Banking Computer Transfers – types of transfers and charges – You may access your account(s) by computer or mobile device at www.carlsbadnational.com and using your user name and password, to:
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
We will disclose information to third parties about your account or the transfers you make:
(a) Consumer liability.
• Generally. Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.
If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
• Additional Limit on Liability for VISA® DebitCard. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA® DebitCard. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA®. Visa is a registered trademark of Visa International Service Association.
(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (5 business days for VISA DebitCard point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for VISA DebitCard point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
ELECTRONIC FUNDS DEPARTMENT
P.O. BOX 1359
CARLSBAD, NEW MEXICO 88221
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (575) 234-2500
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST