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Checking

New Mexico Educators Federal Credit Union offers a choice of three checking accounts, one of which is sure to match your needs. Be sure to sign up for Community Rewards and earn a 0.25% cash reward with every signature-based purchase that you make with your Visa® Debit Card.

 


breeze Reloadable
Debit Card

Essential Checking

Dividend Checking

Monthly Maintenance Fee $5 $5 $5
Maintenance Fee Waived If: Primary member is under 21 years of age $250 Average relationship balance
OR
eStatements
OR
Under 21 years of age
$2,500 Average relationship balance
Check Writing Limit N/A Unlimited check writing Unlimited check writing
Dividends N/A N/A Yes, see Rate & Fee Schedule
ATM Access 200 surcharge-free ATMs in New Mexico & 28,000 around the U.S. 200 surcharge-free ATMs in New Mexico & 28,000 around the U.S. 10 refunds of all ATM surcharge-fees per month
200 surcharge-free ATMs in New Mexico & 28,000 around the U.S.
eServices Internet & Mobile Banking
Mobile Deposit & More
Internet & Mobile Banking
Mobile Deposit & More
Internet & Mobile Banking
Mobile Deposit & More
Funds Transefers / Person to Person Transfers Two free Funds Transfer transactions monthly
Two free Popmoney transactions monthly
Maximum of $2,500 monthly, standard delivery
No limit
Regular fees apply
Free
Unlimited transfer types and amounts
Other Benefits Earn Your Return eligibility
Community Rewards
Earn Your Return eligibility
Community Rewards
Earn Your Return eligibility
Community Rewards
Free gift cards
1 free order of checks annually
Overdrafts No overdraft fees! Automatic Courtesy Pay for checks and ACH. Opt-in available for Debit Cards. Automatic Courtesy Pay for checks and ACH. Opt-in available for Debit Cards.

Essential Personal Checking

All the basics you need, and the $5 monthly maintenance fee is waived when you have just ONE of the following:

  • A $250 average relationship balance
  • eStatements  

Dividend Checking

This account offers dividends on higher balances and additional member benefits including:

  • Up to 10 automatic refunds of all ATM fees each month
    • Refunds are deposited automatically on the first business day of the month.
  • Free unlimited Person-to-Person and Funds Transfers through Internet Banking
  • Earn Your Return eligibility
  • Community Rewards
  • Unlimited check writing
  • Free Visa® Gift Cards
  • 1 free order of checks annually

Dividends are paid monthly; the higher your balance, the higher your dividend rate. Maintain an average relationship balance of $2,500 and avoid the $5 monthly service fee.

Lobby service at over 3,400 CU Service Centers credit union offices across the country.

Visa® 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 with Community Rewards.

Report a lost or stolen card.

Initiate a stop a check payment.


 

Thank you for your interest in becoming a member. You're just a few minutes away from becoming a member-owner of one of the country's strongest financial institutions, a New Mexico not-for-profit cooperative.

You can become a member anytime day or night by filling out our quick and easy online application.

Account Switch Kit

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