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Citizens Bank of Las Cruces, Genuine Hometown Banking
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Open Personal Account

Choose from our Personal Accounts below.
Or, if you are an existing customer, you can look for the "Open an Account" tab in Online Banking.


(please initiate this functionality on a PC or laptop and not a mobile device)
Please see a customer service representative for detail on product terms and requirements.

Easy Checking

  • No Minimum Balance required to avoid a Monthly Service Charge.
  • No Monthly Service Charge.
  • 10 Checks included per statement cycle. Fee per additional check.
  • Electronic Statement included or monthly fee for Paper Statements.
  • Online Banking included. 
  • Bill Pay included.
  • Mobile Deposit included. Account eligible to enroll in service 90 calendar days after opening.

Main Street Checking

  • $500.00 Minimum Daily Balance to avoid a Monthly Service Charge.
  • Monthly Service Charge if below Minimum Daily Balance.
  • Unlimited Check Writing.
  • Electronic Statement included or monthly fee for Paper Statements.
  • Monthly Paper Statement fee waived with $1,500.00 minimum daily balance.
  • Online Banking included. 
  • Bill Pay included.
  • Mobile Deposit included. Account eligible to enroll in service 90 calendar days after opening.

Relationship Checking

  • $10,000.00 Minimum Combined Daily Balance * to avoid a Monthly Service Charge.
  • Monthly Service Charge if below Minimum Combined Daily Balance. *
  • Interest Paid on Balances over $1,500.00. **
  • Unlimited Check Writing.
  • Customer Choice of Statement Delivery.
  • Online Banking included.
  • Bill Pay included.
  • Cashier's Checks included.
  • Mobile Deposit included. Account eligible to enroll in service 90 calendar days after opening.

Savings Account

  • $100.00 Minimum Daily Balance to avoid a Monthly Service Charge.
  • Monthly Service Charge if below Minimum Daily Balance.
  • Electronic Statement included or monthly fee for Paper Statements.
  • Monthly Paper Statement fee waived with $1,500.00 minimum daily balance.
  • Interest is accrued on daily balance; compounded and credited monthly.
  • Minimum daily balance of $100.00 required to obtain disclosed Annual Percentage Yield.
  • 2 In-Bank withdrawals included per month; excess activity charge for each withdrawal after 2.
  • No charge for ATM withdrawals at Citizens Bank ATMs.
  • Online Banking included. 
  • Mobile Deposit included. Account eligible to enroll in service 90 calendar days after opening.
Please see a customer service representative for detail on product terms and requirements.
 
NOTE: Minimum of $100.00 required to open all accounts. All fees are subject to change and include state and local gross receipts tax.
* Combined balance consists of Personal Checking, Personal Savings, and Personal Money Market accounts.
** No Interest is paid if Minimum Daily Balance is less than $1,500.00 on any day within the statement cycle. Applies to Relationship Checking Balances only.
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Personal Checking

Find the perfect checking solution to fit your financial needs. 

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Personal Savings

Savings accounts to help you meet your individual and family goals.

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