Deposit accounts at Citizens Bank of Las Cruces are insured by the Federal Deposit Insurance Corporation (FDIC) to at least $250,000. For a more thorough description of coverages, either stop by one of our locations or click on the www.FDIC.gov link now.
| Checking............................ |
Deposit solutions designed for you….. |
|
Cash & Check Card |
|
Re-Order your checks - Deluxe |
|
Direct Deposit |
| Savings.............................. |
For today, those rainy days or educational needs….. |
Individual Retirement Accounts............................
|
Save for retirement with a traditional, educational or Roth IRA….. |
Certificate of
Deposits............................. |
Fixed maturity for savings or income |
| Safe Deposit Boxes............. |
Various sizes available |
| Checking |
Member FDIC |
 |
We have
a checking account to meet your needs!! Check out what we have to offer!
Totally Free Checking — E-Banking at it's best!
- $100 to open
- No Monthly Account Fees
- Free
Internet Online Access to your accounts
- Free Monthly E-Statements and E-Notices
- Free Online Bill Payment
- Unlimited check writing
- Free Cash & Check Card
- No Charge for ATM withdrawals at Citizens ATMs
- Free Check Safekeeping
- Free Notary Service
- No Direct Deposit required
- Ask for the Totally Free Package to add a Personal Savings account and you can avoid any
savings account service charges by maintaining a combined minimum balance of $100 between
both accounts.
Basic Checking — No Frills Checking!
- $100
to open
- No
monthly fee!
- Free
Direct Deposit
- No
Charge for ATM withdrawals at Citizens ATMs
- Free
Cash & Check Card
- Free
ATM Card
- Free
Internet Online Access to your accounts
- Free
Monthly Statement
- Free
Check Safekeeping
- Free
Notary Service
- You
can write up to 10 checks a month
- Free Online Bill Payment with $1,500 minimum balance.
- Ask for the Basic Package to add a Personal Savings account and you can avoid any savings
account service charges by maintaining a combined minimum balance of $100 between both
accounts.
Personal Checking Account — The convenience of unlimited check writing and no monthly maintenance fee if you maintain higher balances.
- $100 to open
- Unlimited check writing
- No monthly fee if your daily balance is at least $400
- Free Direct Deposit
- Free ATM card
- Free Cash & Check Card
- No Charge for ATM withdrawals at Citizens ATMs
- Free Internet Online Access to your accounts
- Free Monthly Statement
- Free Check Safekeeping
- Free Notary Service
- Free Online Bill Payment with $1,500 minimum balance
- Ask for the Personal Package to add a Personal Savings account and you can avoid any
checking and savings account service charges by maintaining a combined minimum balance of
$400 between both accounts.
Bonus Checking Account — Earn interest on your account while maintaining access to your funds!
- $100 to open
- Unlimited check writing
- Earn interest on all balances
- No monthly fee if your daily balance is at least $750
- Free Direct Deposit
- Free ATM card
- Free Cash & Check Card
- No Charge for ATM withdrawals at Citizens ATMs
- Free Internet Online Access to your accounts
- Free Monthly Statement
- Free Check Safekeeping
- Free Notary Service
- Free Online Bill Payment with $1,500 minimum balance
- Ask for the Personal Bonus Package to add a Personal Savings account and you can avoid any
checking and savings account service charges by maintaining a combined minimum balance of
$750 between both accounts.
Masters 50 Account — Checking account for people 50 & over. The Masters 50 account has an excellent package of benefits, plus earns an attractive rate of interest on qualified balances.
- $100 to open
- Free personalized checks (style is limited)
- Unlimited check writing
- Earn interest on balances over $1,500
- No monthly fee if your daily balance is at least $100
- Free Direct Deposit
- Free ATM card
- Free Cash & Check Card
- No Charge for ATM withdrawals at Citizens ATMs
- Free Internet Online Access to your accounts
- Free Monthly Statement
- Free Check Safekeeping
- Free Cashiers Checks (3 per month)
- No Charge for Visa Travelers Checks
- Free Notary Service
- Free Online Bill Payment with $1,500 minimum balance
- Ask for the Masters 50 Package to add a Personal Savings account and you can avoid any
checking and savings account service charges by maintaining a combined minimum balance of
$200 between both accounts.
 Cash & Check Card— The Citizens Bank of Las Cruces Cash & Check Card makes it convenient and simple to make purchases without the hassles of writing checks or carrying excess cash. The Citizens Bank Cash & Check Card looks like a credit card and can be used worldwide wherever VISA is accepted. Because it is a debit card, purchase amounts are deducted directly from your Citizens Bank checking account. Your monthly bank statement details each withdrawal by amount, date and location. It can also be used as your ATM card!
- Whether you use the ATM card or VISA Cash & Check Card, your Hometown Bank has the card that is right for you.
- Apply for your VISA Cash & Check Card today! Stop by any of our branch locations for details!
| Savings |
Member FDIC |
|
- $100 to open
- Unlimited withdrawals when you use your Citizens ATM Card or Cash & Check Card
- Two FREE in-branch withdrawals per month
- Free Internet Online Access to your account
- Free Quarterly Statement
- Interest paid monthly on daily available balance
- No monthly fee if your average daily balance is at least $100
Junior Citizens Savings
- 17 years and under
- $10 to open
- Free Internet Online Access to your account
- Free Quarterly Statement
- Interest paid monthly on daily available balance
- One FREE withdrawal per month
- No minimum balance requirement
| Individual Retirement Accounts |
|
In 1997, Congress significantly changed course from the traditional Individual Retirement Account (IRA). One difference is an increased ability to deduct IRA contributions. If you don't currently qualify for an IRA deduction on your taxes, the increase in deduction limits over the next ten years may make you eligible.
Another change is the "delinking" of spouses for active participation. This means if one spouse is an active participant in an employer-sponsored retirement plan but the other is not, each determines his or her deductibility independently. In other words, more spouses who are not active participants will now be eligible for IRA deductions.
There are also two new penalty-free distributions available to the standard IRA: education and a first-time home purchase.
Compare the new IRAs to other savings accounts.
| Account: |
Tax-Deferred Earnings |
Earnings Withdrawn Tax Free |
Tax-Deductible Contributions |
| Roth IRA |
Yes |
Yes* |
No |
| Educational IRA |
Yes |
Yes* |
No |
| Deductible IRA |
Yes |
No |
Yes |
| Non-deductible IRA |
Yes |
No |
No |
| Savings Account |
No |
No |
No |
| Insurance Annuity |
Yes |
No |
No |
| *For qualified withdrawals. As with other tax benefits, consult your tax advisor |
| Safe Deposit Boxes |
Member FDIC |
|
Available at:
Main Bank
505 South Main Street |
Sizes available:
| 3x5 |
3x10 |
| 5x10 |
10x10 |
| 10x15 |
15x15 |
| 15x31 |
15x47 |
|
Roadrunner Branch
3991 E. Lohman Ave
(Lohman & Roadrunner) |
| 3x5 |
3x10 |
| 5x10 |
10x10 |
| 6x10 |
10x10 |
|
|
