Most checkbooks can only do one thing, checking. The VISA Debit Card does this and much more.

The VISA Debit Card gives you a faster, more economical, more convenient way to buy the products and services you need. That’s because it allows you to withdraw funds from your checking account without writing a check.

Benefits:

• Provides all the advantages of an ATM card
• Saves money in check printing fees
• Withdraw up to $300.00 a day in cash
• Can be used anywhere VISA is accepted

ELECTRONIC FUNDS TRANSFER AGREEMENT

Now you can have the convenience of banking from home 24 hours a day, 7 days a week.

All you need is a touch-tone phone, your account number, and your personal identification number (PIN). Just call (575) 234-2525. The first time you use Touch-Tone Banking, you will be instructed on how to select your PIN.

Benefits:

• Available to all personal account holders
• Determine your checking or savings account balance
• Verify checks that have cleared
• Confirm deposits
• Transfer funds from one account to another
• Make a loan payment
• Disponible en español

ELECTRONIC FUNDS TRANSFER AGREEMENT

Our Digital Banking system gives you secure access to your accounts 24 hours a day.

With Internet access you’ll be able to check account balances, transfer funds, and much more all on line.

Benefits:

• Free access
• Check your account balances and history any time
• Transfer funds between accounts
• Know which checks have cleared and which bills have been paid
• Available 24 hours a day
• Transaction downloading capability to most personal finance software systems

ELECTRONIC FUNDS TRANSFER AGREEMENT

Get your all-access pass for total mobility…

Take your life with you wherever your go!

• Transfer Funds
• Pay Bills
• View Account Activity
• View Balances

Step 1.

Navigate to your phone’s application store for access on the go.

Step 2.

Choose your app:

iPad

iPhone

Android

A convenient and easy to use service that gives you the access to information you need to better manage your finances.

Benefits:

• No monthly fee
• Ability to schedule bills in advance and pay bills any time
• Improved record keeping with consolidated banking information
• Convenience and time savings
• Access to bills and ability to pay with a click of a mouse
• No more paper, printing or postage
• Set up ongoing payments for your car loan, mortgage, or any other monthly bills.

ELECTRONIC FUNDS TRANSFER AGREEMENT

Overdraft Privilege^SM is a customer service provided to eligible checking accounts.

Rather than automatically returning unpaid any non-sufficient fund items, we will consider; without obligation on our part, payment of your reasonable overdrafts, as long as you maintain your account in good standing.

Overdraft Privilege^SM:

• Requires no action on your part
• Requires no additional documents to sign
• Costs nothing unless you use the Overdraft Privilege^SM Service
• Is available to account holders over eighteen (18) years of age
• Saves you embarrassment and additional charges from Retailers for Returned Checks.

OVERDRAFT PRIVLEGE POLICY