Checking & Savings

New Mexico Educators Federal Credit Union offers a choice of three checking accounts, one of which is sure to match your needs. We also offer an exclusive Community Rewards Program at no cost to you, as well as many other checking features and benefits.

Essential Personal Checking
Power Personal Checking
Relationship Personal Checking
Community Rewards Program
Check Styles & Ordering
Check Routing Number
Direct Deposit
Anywhere Deposit
Account Reconciliation Form
Anywhere Access Internet Banking
Bill Payer
FinanceWorks
Mobile and Text Banking
Identity Theft Resolution
Access 24
Checking Account Management

 Visa^_® Check Card (Debit Card)

At New Mexico Educators Federal Credit Union, one versatile card serves as both your debit card and your ATM card. What's more, qualifying purchases with this card earn you cash rewards.

Online Application
Signature-Based Purchases
Community Rewards Program
Lost or Stolen Cards
ATM Locations

Savings

Your Credit Union also offers a wide range of insured savings account to match your short-term and long-term investment needs. There are even automatic plans to make it easier to save.

Regular Savings Account
Money Market Account
Certificates
IRA's
Vacation Club Account
Holiday Club Account
BALANCE Financial Fitness Program
Rate & Fee Comparison

Checking Accounts

Essential Personal Checking

Power Personal Checking

Save money on popular services and earn dividends whenever your checking balance is $2,500 or more. Dividends are paid monthly; the higher your balance, the higher your dividend rate.

• No ATM fees at over 25,000 CU Anytime and CO-OP Network ATMs.
• Surcharge fees at other ATMs are refunded on your monthly statements; fees that other financial institutions charge still apply.
• Free personalized checks (two styles to choose from) - one box per year.
• Free Visa® Gift Cards (normally $2.50 each) - no limit.
• 20% discount on annual Safe Deposit Box rental fee (at branches where boxes are available).
• Maintain an average monthly balance of $2,500 and avoid a $5 monthly service fee.

Relationship Personal Checking

A flexible account offering dividends on high balances. Dividends are paid monthly; the higher your balance, the higher your dividend rate. Maintain an average monthly balance of $25,000 and avoid a $10 monthly service fee.

Extras with Any New Mexico Educators Checking Account

• Unlimited check writing with no fee.
• Direct Deposit of paychecks and retirement checks.Visa® Check Card can earn you cash rewards with our Community Rewards Program; also serves as your ATM card.
• No-fee ATMs - over 170 CU Anytime® in New Mexico and Texas; over 25,000 no-surcharge CO-OP Network ATMs nationwide.
• Optional overdraft protection to avoid overdraft fees.
• Anywhere Deposit
• Free Identity Theft Resolution Service.
• Free Internet Banking, Bill Payer, Mobile Banking, Text Banking and FinanceWorks services.
• Access 24 automated phone service 24/7.
• Anywhere Advisors personal phone service Monday through Saturday.
• Lobby service at over 3,400 CU Service Centers credit union offices across the country.
   

Check Ordering

Check Routing Number

The Check ABA Routing/Transit Number for all checks issued by New Mexico Educators Federal Credit Union is 307083665.

You also need a 10-digit EFT (Electronic Funds Transfer) checking account number to set up electronic banking and electronic funds transfer services. If you are unsure of this number for your account, please contact our Anywhere Advisors at 889-7755 (800-347-2838 from outside the Albuquerque area).

To view the standard New Mexico Educators Federal Credit Union check designs available click here.

New Orders

Please click here to order your checks. If you have any questions, please email us or call our Anywhere Advisors at 889-7755 (800-347-2838 from outside the Albuquerque area).

Reordering Checks With No Format Changes?

The process is extra easy. Simply verify that:
 1)  The check style is exactly the same as your last order.
 2)  There is no change in your name, address and phone number.
 3)  The check numbers will begin where your previous checks ended.
 4)  Your printed checks will be sent to the same address as your last check order.
Then click here to order your checks.

Direct Deposit

No more rush hour traffic and long lines thanks to the convenience of direct deposit. Most employers can electronically deposit your paycheck or pension check to your Savings or Checking Account. Also, Social Security checks must be direct deposited.

• Your checks can never be lost or stolen. You'll never have to worry about misplacing a check or losing it while running errands. It could take your employer up to 10 days to stop payment on a missing check and issue you a replacement.
• Have immediate access to your money. Checks deposited at an ATM can take up to two business days to clear. With Direct Deposit, you can immediately start writing checks, making purchases with your Visa^® Debit Card, or make no-fee cash withdrawals at any CU Anytime or CO-OP Network ATM as soon as your payroll is posted to your Credit Union account.
• Keep your income confidential. Because Direct Deposit is electronic, your payroll or retirement payment information is kept private.
• Payroll deduction is an effortless way to save. One of your options with Direct Deposit is to have part of your payroll automatically deposited to a savings, retirement, Vacation Club or Holiday Club account. "Pay yourself first" before paying your bills!
• Make loan payments automatically, too. You could have your Credit Union loan payments taken out of your payroll deposit. You won't have to visit a branch office or send loan payment checks by mail. It's all done electronically. And you'll never have to worry about late payment fees!
• Enrolling is Simple:
  •  Provide your employer/government your financial institution’s routing number.
  •  Provide your employer/government your account number and the type of account that you are using (checking or savings).
• Ask your employer’s Human Resources manager or department about setting up Direct Deposit. If you need further assistance, email us at info@nmefcu.org or call 889-7755 or 800-347-2838 (outside the Albuquerque area).