Checking Account Fees

Stop paying those high checking account fees! Bank smarter with Northern New Mexico School Employees FCU!

Make managing your finances easy and stress-free with Northern New Mexico School Employees Federal Credit Union. Our no-cost checking accounts come with all the services you need to keep your money accessible and secure.

Option One Basic Checking Account

Why Choose NNMSEFCU?

Experience Free Banking

  • Free ATM & Debit Card: Access your money anytime, anywhere.

  • No Monthly Service Fees: Keep more of your money with zero monthly charges.

  • Unlimited Check Writing: Write as many checks as you need without restrictions.

Convenient Digital Services

  • Free Online Banking: Manage your account with ease from your computer.

  • Free Mobile App: Bank on the go with our user-friendly app.

  • Free Online Bill Pay: Pay all your bills online without any fees.

Hassle-Free Banking

  • No Minimum Balance: Keep your account balance flexible.

  • Free 24-Hour Telephone Access: Get account information round-the-clock.

Frequently Asked Questions

What do I need to open a checking account?
You'll need a valid ID, proof of address, and an initial deposit of any amount to open an account.

Are there any hidden fees?
No! We pride ourselves on transparency. There are no hidden fees with our Basic Checking Account.

Can I access my account from my phone?
Absolutely. Our mobile app is available for both iOS and Android, making it easy to access your account anywhere.

Visit Us Today

Feel free to stop by our branch:

  • Santa Fe – 614 Alta Vista Street • Santa Fe, NM 87505

For questions or assistance, call us at (505) 982-3802.

Switch today and experience the freedom of a worry-free checking account! 

Option Secure Checking Account

Upgrade Secure Checking for Premium Benefits!

If you're seeking even more from your checking account, upgrade to Secure Checking. For a low monthly service fee of $5.00, you'll enjoy all the benefits of Secure Checking, plus these exclusive advantages and a monthly dividend paid monthly which are determined by the board monthly (See Rates for Current Checking account rate paid to our members):

  • Cellular Telephone Protection: Travel worry-free with up to $300 of replacement or repair costs coverage for your cell phone, both in the U.S. and abroad. Simply pay your cellular telephone bill through your Secure Checking Account to qualify for this valuable protection.

  • Debit Advantage™ Buyer's Protection & Extended Warranty: Protect your purchases with confidence. Enjoy coverage for accidental breakage, fire, or theft for 90 days from the date of purchase. Additionally, extended warranty protection extends the original U.S. manufacturer's written warranty up to one full year on most new retail purchases, provided the warranty is less than five years. Simply use your Secure Checking account for the eligible purchases.  

  • Health Discount Savings: Take advantage of exclusive savings on vision, prescription, and dental services. Activate your membership to enjoy discounted rates on essential healthcare services. Please note that this is not insurance, but an opportunity to save on important healthcare expenses.

  • $hopping Rewards™: As a Secure Checking members, unlock access to Shopping Rewards. Shop online using our customized shopping portal and receive cash back on your purchases. Accumulate your cash back in your Shopping Rewards account and use it for future purchases or conveniently receive it as a check. Start saving effortlessly!

  • Travel and Leisure Discount Membership: Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their mobile device. Digital Access makes savings super easy and convenient, giving instant savings anywhere and anytime. (registration/activation required; available online only).

  • Accidental Death & Dismemberment Insurance: Receive additional peace of mind with up to $10,000 in 24-hour Accidental Death & Dismemberment Insurance. This coverage extends equally to joint accounts and reduces by 50% at age 70.

Open Your Secure Checking Account Today!

Experience Secure Checking banking and protect yourself from financial uncertainties. Join Northern New Mexico School Employees Federal Credit Union today and open your Secure Checking account with ease. Simply visit our secure online application and get started on your path to financial peace of mind.5

1 Message and data carrier rates may apply.

2 Bill Pay: Online Banking account required. Free with any NNMSEFCU checking account when you sign-up. Must use Bill Pay service at least once every three months.

3 IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a "signer" or "beneficiary" of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

4 Insurance product is not a deposit; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity. Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group Inc. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage.

5 Subject to membership eligibility.