Low-cost checking accounts in New Mexico

There are 29 Bank On certified checking accounts available to residents of New Mexico. Of those, 17 carry a $0 monthly maintenance fee and 24 charge no overdraft fees at all. 12 come from local or regional institutions rooted in New Mexico, while 17 are offered by national banks serving customers across the country.

Certified accounts
29
$0 monthly fee
17
No overdraft fees
24
Local institutions
12

Discover Bank

Cashback Debit Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Bank of America

SafeBalance Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
Yes
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Alliant Credit Union

Teen Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
80,000+

Ally Bank

Spending Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
75,000+

Chase

Secure Banking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
14,000+

LendingClub

Level Up Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
-1+

nbkc bank

Everything Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
90,000+

Quorum Federal Credit Union

QFlex Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

First-Citizens Bank and Trust

Sure Advantage

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.
Contact bank

First National Bank Texas

eAccount

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
Yes
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

First National Bank Texas

Flex Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Nusenda Credit Union

breeze® Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Rio Grande Credit Union

Fresh Start Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
30,000+

Rio Grande Credit Union CU

Connect

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Sunward Credit Union

Sunward Simple Spend

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
30,000+

Alliant Credit Union

High-Rate Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
80,000+

Rio Grande Credit Union CU

Succeed Teen Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$25
Overdraft fees
None
Free ATMs
30,000+

WaFd Bank

Fresh Start

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.00
To open
$25
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

U.S. Bank

Safe Debit Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.95
To open
$25
Overdraft fees
None
Free ATMs
USA network

Guadalupe Credit Union Restart Debit

Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$0
Overdraft fees
None
Free ATMs
30,000+

PNC Bank

Simple Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$0
Overdraft fees
None
Free ATMs
60,000+

BMO

Smart Money Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
40,000+

Bank of Albuquerque

Opportunity Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
32,000+

Vectra Bank of Colorado

OnBudget Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
Vectra Bank’s ATMs

Wells Fargo

Clear Access Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
10,000+

US Eagle FCU

Flex Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$10.00
To open
$25
Overdraft fees
Yes
Free ATMs
30,000+

nbkc bank

Money Market Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$12.00
To open
$0
Overdraft fees
None
Free ATMs
90,000+

Sunflower Bank Achievement

Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$13.00
To open
$100
Overdraft fees
Yes
Free ATMs
MoneyPass®

UMB Bank

Check-Free Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$20.00
To open
$1000
Overdraft fees
Yes
Free ATMs
UMB

Next steps for New Mexico residents