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Citizens Bank of Las Cruces, Genuine Hometown Banking
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Checking Accounts

Would you like to open one of our checking accounts listed below?

Existing Customer 
Open an account online by logging into your online banking and selecting +Add An Account, Open an Account.

New Customer
Join a secure Video Banking call and have one of our Universal Bankers open the account for you from your computer or mobile device or schedule an appointment ahead of time to come into any of our convenient branches. 


*Please call a Universal Banker or visit any of our branches for additional detail on product terms and requirements.

Easy Checking

Perfect for Students! 
  • No Monthly Service Charge
  • 10 Checks included per statement cycle. Additional checks .50¢ ea.
  • Electronic Statement included OR $3.25 per month for paper statements
  • Online Banking included
  • Bill Pay included
  • Mobile Deposit included 

Main Street Checking

  • $500.00 Minimum Daily Balance
  • $11.00 Monthly Service Charge if below minimum daily balance
  • Unlimited check writing
  • Electronic Statement included OR $2.15 per month for paper statements
  • Paper statement fee of $2.15 per month waived with $1,500.00 minimum daily balance
  • Online Banking included 
  • Bill Pay included
  • Mobile Deposit included 

Relationship Checking

  • $10,000.00 Minimum Combined Daily Balance** 
  • $15.00 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
  • Cashier's Checks included
  • Online Banking included
  • Bill Pay included
  • Mobile Deposit included 
What You'll Need:
1. Your Social Security Number
2. A valid ID (Driver's License, Passport, Military ID, Permanent Resident ID, or State ID)
3. Proof of residency if address is different from the one listed on your ID 

Please Note: Minimum of $100.00 required to open all Checking Accounts. All fees are subject to change and include applicable state and local taxes. 
**Minimum Combined Daily 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.
*Please call a Universal Banker or visit any of our branches for additional detail on product terms and requirements.
Visit us at any of our branches to get your instant-issue debit card!

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Personal Savings

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

Compare Accounts

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Debit Card

Simplify your day-to-day spending with a Visa debit card.