Personal > Checking

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Checking Accounts

Easy to open. Easy to use.

Our checking accounts don’t make you jump through hoops to receive the financial benefits you need for every stage of life.

Security and convenience. All hassle-free.

A great New Mexico checking account should provide the convenience and peace of mind you need with no red tape.

  • Online & Mobile Banking

    24/7 access when you need it. Check balances, view recent transactions, transfer funds, make mobile deposits and much more.

  • 30,000+ Fee-Free ATMs Nationwide

    ATM/Debit transactions within CU Anytime and CO-OP networks.

  • 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.

  • e-Statements

    Safe, secure and environmentally friendly, eStatements are made available in your online banking for up to 24 months and may be downloaded.

  • No Minimum to Open

    We offer checking accounts that require no minimum — you decide your own level of commitment.

  • Online Bill Pay

    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.

  • 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:

  • Best if you want:

    Best if you want:

  • Minimum balance to open

    Minimum balance to open

  • Monthly Service Fee

    Monthly Service Fee

  • Earns Dividends

    Earns Dividends

  • Overdraft Protection1

    Overdraft Protection1

  • Additional Perks

    Additional Perks

Express

  • Best if you want:

    Simplicity.

    An account that provides basic services without adding fees or requiring a minimum balance.

  • Minimum balance to open

    $0

  • Monthly Service Fee

    $0

  • Earns Dividends

    No

  • Overdraft Protection1

  • Additional Perks

    30 free checks processed through your account per month

    (15 cents for each additional check)

Star

  • Best if you want:

    Interest.

     

    An interest bearing account with a low minimum balance.

  • Minimum balance to open

    $0

  • Monthly Service Fee

    $7 if Daily Balance falls below $100 each statement cycle

  • Earns Dividends

    YES

    See Rate Schedule on Average Daily balances of $1000 or more Per Monthly Statement Cycle

  • Overdraft Protection1

  • Additional Perks

    No per-check fees

    One included box of custom image checks per year

Free 4 Me

  • Best if you want:

    Perks!

     

    The ultimate account for the 18-25 year old crowd.

  • Minimum balance to open

    $0

  • Monthly Service Fee

    $0

  • Earns Dividends

    No

  • Overdraft Protection1

  • Additional Perks

    $10 iTunes card when you open account

    Rebate up to four times per year (max of $100) on Courtesy Pay Overdrafts charged $25.00 each (A)

I like the easy and convenient service that we receive. The DNCU mobile app is so easy to use and the mobile check deposit feature is so convenient!

— Regina M., DNCU Member

Today’s Rates

Express and Star Checking

Checking Account Type

Min. To Earn APY And Avoid Monthly Service Fee

Dividend Rate

APY*

DISCLOSURES

Deposit Rates are current as of March 1, 2021. Rates and Fees may change at anytime without notice. Please contact a member services representative for details.

*APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account.

Account uses the average daily balance to obtain APY each monthly statement cycle. The rate may change after account opening (variable rate account).

Checking Account Type

Express (Basic)

Min. To Earn APY And Avoid Monthly Service Fee

$0

Dividend Rate

0.00%

APY*

0.00%

Checking Account Type

Star

Min. To Earn APY And Avoid Monthly Service Fee

$1000

Dividend Rate

0.05%

APY*

0.05%

Checking Account Type

Free 4 Me

Min. To Earn APY And Avoid Monthly Service Fee

$0

Dividend Rate

0.00%

APY*

0.00%

Frequently Asked Questions (FAQs)

Please visit our Rates & Fees 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.

Please visit Personal Mobile & Online Banking for more information and details on our robust suite of services for members.

Open a checking account online

Enjoy the convenience and security of a DNCU Checking Account today.

Join DNCUAlready a DNCU member? Click here to add a checking account.

Open a checking account

Pick one of the following options to proceed:

Join us

Become a DNCU member
Join today
Stop by one of our branches
Find your closest branch
Call us

505-455-5228 or
(877) 818-3628 toll-free.

Disclosures

¹Overdraft protection 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 Overdraft Protection. 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. Limit of one gift card per account. Limit of one account per household. 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.