Checking Accounts
Open Online For Ease & Convenience
Security and Convenience
A great New Mexico checking account should provide the convenience and peace of mind you need.
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Online & Mobile Banking
- Mobile Banking App that allows 24/7 access when you need it. Check balances, view recent transactions, transfer funds, make mobile deposits and much more.
- Safe, secure and environmentally friendly, E-Statements are made available in your online banking for up to 24 months and may be downloaded.
- Your one-stop shop to take care of all your bills including rent, credit cards, utilities and more — open 24 hours a day. Fees may apply.
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Proof is in the Perks
- No minimum to open. We offer checking accounts that require no minimum.
- Overdraft Protection. Courtesy Pay adds an extra layer of protection and provides a safety net to your checking account.†
- Identity Theft Protection options. Gain peace of mind with available robust identity theft protection services. Contact us to learn how to enroll and for applicable fees/terms.
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30,000+ Fee-Free ATMs Nationwide
- ATM/Debit transactions within CU Anytime and CO-OP networks.
- Included ATM/Debit Card. Prefer to pay for things directly or use cash for everyday spending? Our free ATM cards have you covered. No charge for first ATM/Debit Card. Replacement card fees may apply.
Compare your checking account options:
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Best if you want:
Best if you want:
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Minimum balance to open
Minimum balance to open
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Monthly Service Fee
Monthly Service Fee
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Earns Dividends
Earns Dividends
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Overdraft Protection1
Overdraft Protection1
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Additional Perks
Additional Perks
Express
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Best if you want:
Simplicity. Provides basic services without adding fees or requiring a minimum balance.
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Minimum balance to open
$0
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Monthly Service Fee
$0
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Earns Dividends
No
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Overdraft Protection1
✔
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Additional Perks
30 free checks processed through your account per month
(15 cents for each additional check)
Estrella
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Best if you want:
Interest. An interest bearing account with a low minimum balance.
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Minimum balance to open
$0
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Monthly Service Fee
$7 if Daily Balance falls below $100 each statement cycle
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Earns Dividends
YES
See Rate Schedule on Average Daily balances of $1000 or more Per Monthly Statement Cycle
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Overdraft Protection1
✔
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Additional Perks
No per-check fees
One included box of custom image checks per year
Gratis para mí
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Best if you want:
Perks! The ultimate account for the 18-25 year old crowd.
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Minimum balance to open
$0
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Monthly Service Fee
$0
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Earns Dividends
No
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Overdraft Protection1
✔
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Additional Perks
Rebate up to four times per year (max of $100) on Courtesy Pay Overdrafts charged $25.00 each (A)
— Jeffrey L., DNCU MemberI have been a member for many years and my experience with Del Norte Credit Union has been admirable. I am pleased with the courtesy I receive from the staff. I greatly appreciate them so much.
Today’s Rates
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Tipo de cuenta corriente |
Tasa mínima para obtener APY |
Tasa de dividendo |
APY* |
|---|---|---|---|
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DIVULGACIONES Deposit Rates are current as of June 20, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. *APY = Rendimiento porcentual anual. La comisión puede reducir las ganancias de la cuenta. Esta cuenta utiliza el saldo promedio diario para calcular el TAE en cada ciclo de facturación mensual. La tasa puede variar después de la apertura de la cuenta (cuenta de tasa variable). |
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Tipo de cuenta corriente Express (Básico) |
Tasa mínima para obtener APY $0 |
Tasa de dividendo 0.00% |
APY* 0.00% |
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Tipo de cuenta corriente Estrella |
Tasa mínima para obtener APY $1000 |
Tasa de dividendo 0.05% |
APY* 0.05% |
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Tipo de cuenta corriente Gratis para mí |
Tasa mínima para obtener APY $0 |
Tasa de dividendo 0.00% |
APY* 0.00% |
Frequently Asked Questions (FAQs)
Por favor visite nuestra Tarifas y comisiones page for a comprehensive list of applicable rates and fees.
We’re here to help. Please call us at 877-818-3628 for assistance with opening an account.
Por favor visite Banca móvil y en línea personal Para obtener más información y detalles sobre nuestra sólida gama de servicios para miembros.
Open a checking account online
Enjoy the convenience and security of a DNCU Checking Account today.
Únete a nosotros
(877) 818-3628 gratuito.
Divulgaciones
¹Courtesy Pay may be set up using funds from DNCU share savings, money markets or credit lines on new or existing accounts. Courtesy Pay is automatically provided for eligible accounts; does NOT include Money Market Savings.
†See our fee schedule for applicable fees related to use of Courtesy Pay. Contact member services for No Cost options to cover overdrafts such as a transfer from an existing account.
Must be between the ages of 18-25 to open and maintain account. Account will be converted to an Express account after reaching age 26. Member must request reimbursement for eligible fees caused by ATM or Debit Cards Only. Fee refund will be processed within 30 days from request and may not cover other overdrafts caused in the interim.