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Business Banking

Customer stories

We’ve Got Drive

America’s Auto Care

Cody Dennison got into automotive repair at a young age, working at (and eventually owning and operating) a Quick Lube in Cortez. “I eventually purchased the property from Western Refining in 2006, removed the gas station portion, and built service bays to accommodate automotive repairs and tires,” said Cody. (As luck would have it, it was previously owned by FCCB Board Chairman, Frank Macaluso.) Cody rebranded it as America’s Auto Care, and added the Durango location early 2019.

“I like being able to remove the stress of unforeseen car problems,” said Cody. “We provide a top-notch customer experience, quick service, and quality work.” Cody says America’s Auto Care is different from others in that they “go above and beyond to earn customers’ business and make their auto service experience as stress-free as possible,” he said. “It’s our job to turn a negative experience around. And we stand behind our work with a three-year/36,000-mile warranty.”

Fueling Passion

“Everyone at FCCB has been phenomenal,” said Cody. “There are a lot of options as far as banks and loans go, but FCCB is just about the last local option. I still get the local feel because everyone I work with is from the area.” He also finds the bank’s locations convenient and conducive to expansion. “It works really well to have an accessible place to make deposits where the stores are also located.”

Outside of operating his two locations, Cody enjoys spending time with his family and in the outdoors. He also loves to brainstorm ways to improve business and expand locations (which he plans to do in near future).

244 East Main Street | Cortez, CO | 970.565.3672

474 East College Drive | Durango, CO | 970.247.9860

americasautocare.com

We’ve got great taste!

Blue Moon Diner and Porter’s Smokehouse

A cut above

Mike and Christi Ulrich, owners of Blue Moon Diner (since 1996) and Porters Smokehouse (since 2016), enjoy serving pancakes at one restaurant and T-bone steaks at the other. Although both are Farmington favorites, Blue Moon might cater to a raucous baseball team, while Porters appeals to patrons looking for a quieter steakhouse meal. Christi, who oversees the menus and recipes says they’re proud of their house-made, fresh food. “Blue Moon’s handmade ice cream and Porter’s 65-item salad bar have no competitors,” she said. Mike—the muscle behind thousands of gallons of ice cream—agrees. “We are incredibly proud of our 60 local and long-term staff who are equally committed to quality.” The spices used in their award-winning house red chili sauce are freshly ground, and their meats are slowly roasted or smoked.

A side of service

“We’re very busy so it is important that our bank is quick, responsive, and accurate,” said Christi. “We’re also community-oriented, and believe it is important to use a local bank that is too. We feel like FCCB is committed to enhancing our community.” The Ulrich’s use the bank’s personal and business banking products, as well as commercial lending for Porters.

“We appreciate their willingness to lend to small businesses,” said Mike. “The home-town friendliness and free business banking set FCCB apart from other banks. And they know us by name. As small business owners themselves, the Ulrich’s say they appreciate FCCB’s support. “We feel like we have a partnership with FCCB, and are taken care of. We trust them to look out for us, so we can focus on our customers.”


1819 E. 20th St. Suite B | Farmington, NM | 505.324.0001

 


2210 E. 20th St. | Farmington, NM | 505.327.5979

Groomed for success!

The Cave Men’s Grooming

A haircut is just the beginning

Originally from Abilene, Texas, Martin and Brandy Caddell said they found three banks online upon moving to Farmington. Four Corners Community Bank was the first one they visited, and met Commercial Loan Officer, Joshua Bollacker that day. “I told Joshua what our vision was and within ten minutes he said, ‘We’re in!’” The Caddells decided not to visit the other two banks after the warm welcome they’d received from FCCB. “It immediately felt like home.”

Since July 9, 2018, the duo has welcomed gentlemen for a full line of barber services from as far as Phoenix, Pueblo, and Logan. Why Farmington? “There is more facial hair here per capita than just about anyplace else,” said Martin. “We wanted a small-town feel for our family, and one that was large enough to sustain our business.”

The Cave’s atmosphere is unlike any other barber shop in the region. They also feature several specialized amenities: oil-infused hot towels, honey bourbon-scented soap and beard oils, manicures and pedicures, a non-alcoholic bar with specialty sodas, membership options, and a Honey Hole “We want people to have a great experience, not just get a haircut,” said Martin.

“We believe in your idea, but more importantly, we believe in you.”

Martin says the friendly and receptive attention he received at FCCB made all the difference. Brandy says they were welcomed immediately. “To walk into a bank, and meet someone who supports your vision is huge. Joshua believed in us from the very beginning,” said Martin. Joshua connected the Caddell’s to local resources within weeks of coming to town. “It opened one door after another, but none of them would’ve opened had it not been for Joshua sitting down and listening to us.”
“To be told, ‘We believe in your idea, but more importantly, we believe in you,’ that’s what the world needs!” said Martin. “And he gave sound advice.” In return, Martin says they’re very loyal FCCB customers. “They’ve always got our back,” said Brandy. “We’re extremely happy. We feel it’s more than just business.”

5170 College Blvd. #101 | Farmington, NM 87402 | 505.787.2063

thecavemansgrooming.com

Polished and personal

On the Spot Cleaning

Thoughtfully orchestrated 

Since 2008, Sheldon Pickering expanded On the Spot Cleaning from carpet cleaning to routine business janitorial and residential cleaning, floor resurfacing, and construction cleanup. He and his original crew—including Rosa Rosas and Leticia Mendez—worked tirelessly for the first year.

“From the very beginning, our business plan was to provide consistent, exceptional service without making a big deal about it,” said Sheldon. “Like when you go to a nice restaurant, and the service just happens. You don’t even realize it, but when it’s over, you’re left with a great impression and experience.” Sheldon says On the Spot staff are highly valued and respected; the team gathers for quarterly celebrations that always include food, games, and a guest speaker for either a product-specific or personal topic like managing finances. “Our people are what make the difference,” he said.

Sheldon is also passionate about jazz—the piano, specifically. His work is featured on his new, all-original album, Along For The RideClick to view a video featuring a song from the album

Supporting the show

Before FCCB fulfilled Sheldon’s building loan and business banking needs, he became a customer in 2003 for his personal banking needs. “We’ve been treated like family from the very beginning,” he said. “Everyone is welcoming, friendly, and kind.” Since starting his business, Sheldon says FCCB has been easy to do business with. “It’s nice to feel like you’re dealing with friends and have someone you trust.”

Sheldon recalls other banks often feel sterile, where you’re treated as a number, told to wait in line, and only valued if there’s a reason. “We never feel that way at FCCB,” he said. “I’m greeted by my name right when I walk in, even by folks who are training.” He also appreciates the friendly communication from his bankers. “If there’s an issue, I get a personal phone call, not a letter with a big red X. I feel like someone is looking out for me.”

514 West Pinon | Farmington, NM 87401 | 505.327.0592

onthespotcleaningnm.com

Services available with all checking accounts

  • Free online, mobile, and telephone banking
  • Free eStatements
  • Free bill pay
  • Free Web Connect for QuickBooks and Quicken
  • Free remote deposit with personal mobile device
    • Up to daily amount limits.

*U.S. government-issued ID and proof of residency required to open a new account (if current address is not listed on U.S. government-issued ID). 

Business Checking Plus

This account is ideal for small businesses with no monthly service charges.

 

Features

  • No monthly service charge
  • No minimum daily balance required
  • Free Visa® business debit card
  • Merchant credit card processing services available
  • Cash management available
  • Remote deposit capture available
  • MasterCard® payroll cards available

 

Service charges

  • $100.00 initial deposit to open
  • Free daily currency purchases up to $5,000.00
    • $2.00 per purchase for amounts over $5,000.00
  • $10.00 business bill pay per month
  • No charge for:
    • Check writing
    • ACH debits and credits
    • Debit and credit items
      • Up to combined amount of 500 items ($0.25 per item after 500)

Business Interest Checking

This account is an interest bearing account, ideal for businesses that have low transaction activity and maintain high balances.

 

Features

  • Interest bearing
  • Free Visa® business debit card
  • Merchant credit card processing services available
  • Cash management available
  • Remote deposit capture available
  • MasterCard® payroll cards available

 

Service charges

  • $1,000.00 initial deposit to open
  • $6.00 monthly service charge
    • Fee is waived with a $1,000.00 minimum daily balance
  • $10.00 business bill pay per month
  • $0.15 per check or other debit
  • $0.15 per deposit or other credit
  • $0.15 per transit item
  • $0.10 per on us item

Commercial Analysis Account

This account is ideal for businesses with high transaction volumes. A monthly analysis statement and earning credits are applied to offset account maintenance fees.

 

Features

  • Analysis statement
    • Earnings credits are calculated at 90 percent of the three month US Treasury Bill rate effective each Wednesday.
  • No minimum daily balance required
  • Free Visa® business debit card
  • Merchant credit card processing services available
  • Cash management available
  • Remote deposit capture available
  • MasterCard® payroll cards available

 

Service charges

  • $100.00 initial deposit to open
  • $10.00 monthly service charge
  • $10.00 business bill pay per month
  • $0.15 per check or other debit
  • $0.15 per deposit or other credit
  • $0.07 deposited item charge
  • $0.0004 per amount of cash deposited
  • $2.00 for each returned deposit item
  • $0.10 per roll of coin
  • $0.25 per strapped currency (out)
  • $5.00 per cashier’s check
  • $25.00 per stop payment
  • $20.00 per domestic wire transfer fee
  • $45.00 per international wire transfer fee
  • $5.00 incoming wire fee
  • $2.00 per ACH return item fee

Business Money Market

Money Market accounts are interest-bearing accounts that don’t tie up funds. Unlike a CD, which locks funds for a set period, a Money Market allows full access to funds; make deposits and limited withdrawals. Ideal for emergencies.

 

Features

  • Interest bearing
  • Unlimited number of deposits

 

Service charges

  • $1,000.00 initial deposit to open
  • $10.00 monthly service charge
    • Fee is waived with a $1,000.00 minimum daily balance
  • $10.00 business bill pay per month
  • Six free withdrawals or transfers per month
    • $10.00 per withdrawals or transfer after the sixth
    • No more than six transfers may be made by check, draft, or debit card to a third party

Business Savings

Features

  • Interest bearing

 

Service charges

  • $500.00 initial deposit to open
  • $2.00 monthly service charge
    • Fee is waived with a $500.00 min daily balance
  • Six free withdrawals or transfers per month
    • $2.00 per withdrawal or transfer after the sixth

Business CDs

CDs typically yield a higher return over a longer period. At maturity, funds are readily accessible and new strategic options can be discussed.

 

Features

  • Interest bearing
  • Competitive rates for specific terms
    • Check our current rates
  • Various terms available

 

Service charges

  • $1,000.00 initial deposit to open
  • Early withdrawal fee may apply

Safe deposit boxes

Choose from a variety of sizes, offered at 500 West Main Street in Farmington and 77 West Main Street in Cortez.*

  • 3×5      $15.00 annually
  • 3×10    $25.00 annually
  • 5×5      $25.00 annually
  • 5×10    $50.00 annually
  • 10×10  $75.00 annually

*No insurance coverage is provided on box contents by FDIC or this financial institution.

Other fees

  • Box drilling fee $25 (does not include locksmith fee which ranges from $100-$350)
  • Lost key/re-key $15 (does not include locksmith fee which range from $75-$200)

Night deposit

Can’t make it to the bank before close? Night deposit is available at each of our seven locations. A convenient way for to drop off end-of-day deposits. Visit us at any location and ask for a secure night drop deposit bag. (Night drop bag fee will apply.)

Current deposit rates

Rates are annual percentage yields (APY)

 

Certificate of depositAPY/Interest rate

Certificate of deposit


90 day fix rate CD

APY/Interest rate


no

Certificate of deposit


$1,000

APY/Interest rate


0.050%

Certificate of deposit


6-month fixed rate CD

APY/Interest rate


no

Certificate of deposit


$1,000

APY/Interest rate


0.100%

Certificate of deposit


12-month fixed rate CD

APY/Interest rate


no

Certificate of deposit


$1,000 to $99,999.99
$100,000+

APY/Interest rate


1.800%
1.800%

Certificate of deposit


18-month fixed rate CD

APY/Interest rate


no

Certificate of deposit


$1,000 to $99,999.99
$100,000+

APY/Interest rate


1.800%
1.800%

Certificate of deposit


24-month fixed rate CD

APY/Interest rate


no

Certificate of deposit


$1,000 to $99,999.99
$100,000+

APY/Interest rate


2.100%
2.100%

Certificate of deposit


30-month fixed rate CD

APY/Interest rate


no

Certificate of deposit


$1,000 to $99,999.99
$100,000+

APY/Interest rate


2.100%
2.100%

Certificate of deposit


36-month fixed rate CD

APY/Interest rate


no

Certificate of deposit


$1,000 to $99,999.99
$100,000+

APY/Interest rate


2.100%
2.100%

Certificate of deposit


48-month fixed rate CD

APY/Interest rate


no

Certificate of deposit


$1,000 to $99,999.99
$100,000+

APY/Interest rate


2.100%
2.100%

Certificate of deposit


60-month fixed rate CD

APY/Interest rate


no

Certificate of deposit


$1,000 to $99,999.99
$100,000+

APY/Interest rate


2.100%
2.100%

Certificate of deposit rates are subject to change at any time and are not guaranteed until account is opened. Minimum balance of $1,000.00 required for all CDs. A penalty may be imposed for early withdrawal.

Transaction Accounts**APY

Transaction Accounts**


Interest Checking

APY


0.050%

Transaction Accounts**


Savings Accounts

APY


0.050%

Transaction Accounts**


Money Market < $50.000.00

APY


0.050%

Transaction Accounts**


Money Market $50,000 - $99,999

APY


0.100%

Transaction Accounts**


Money Market $100,000.00+

APY


0.150%

Offering rates are subject to change without notice.
**The interest rate and annual percentage yield may change after account opening.
**Fees could reduce the earnings on the account.

For current rate information, please call 505.327.3222 (New Mexico), 970.565.8421 (Colorado), or 855.547.3222 (toll free).

Questions?

Contact us