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Personal Banking

Overdraft Privilege

Overdraft PrivilegeSM is a customer service provided to eligible checking accounts. Rather than automatically returning unpaid any non-sufficient fund items, we will consider; without obligation on our part, payment of your reasonable overdrafts, as long as you maintain your account in good standing.

Overdraft PrivilegeSM:

  • Requires no action on your part
  • Requires no additional documents to sign
  • Costs nothing unless you use the Overdraft PrivilegeSM Service
  • Is available to account holders over eighteen (18) years of age
  • Saves you embarrassment and additional charges from Retailers for Returned Checks.

  Overdraft Privilage Disclosure


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Certificates of Deposit

Term Rate APY
90 Day .30% .30%
182 Day .45% .45%
1 Year .60% .60%
18 Month .75% .75%
24 Month .85% .85%
36 Month 1.10% 1.10%
60 Month 1.61% 1.60%
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Carlsbad New Mexico

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