Employee letting customer scan their debit card

Financial Services

Debit and ATM cards

Debit Cards

A Visa® debit card gives you direct access to and payment from your checking account. The amount of your purchase is deducted directly and automatically.

Your account statement will show each transaction, including the amount and where you made each purchase. You can also review your transaction history via online banking.

 

Features

  • Equipped with chip/EMV technology
  • PIN-based or signature-based approval at any point-of-sale
  • Withdraw cash from any FCCB ATM 24 hours a day, seven days a week
  • Can be used wherever Visa® is accepted
  • Compatible with real-time fraud text alerts(see below)

 

ATM cards

An ATM card is linked to your checking or savings account, and provides access to cash 24 hours a day, seven days a week at automated teller machines (ATMs). There is no fee when used with an FCCB ATM; however, ATM fees may apply with any non-FCCB ATM.

 

Features

  • Unrestricted access to funds
  • No need to carry large amounts of cash
  • Accepted wherever Pulse® or Cirrus® are identified

 

Report a lost or stolen debit/ATM card

Call us during business hours at 505.327.3222 (New Mexico) or 970.565.8421 (Colorado). After hours call toll free: 866.546.8273. If you have online banking, you can disable your card from there too; this action is under the “Options” tab.

Credit cards

At FCCB, our industry-leading consumer and business credit card products offer competitive pricing combined with a full range of reward options.

 

Report a lost or stolen credit card

If your credit card is lost or stolen, please contact the support center at 866.234.4691.

 

Credit Reports

FTC credit reports and credit scores

Annual free credit report

Equifax (1.800.685.1111)

Experian (1.888.397.3742)

TransUnion (1.800.916.8800)

 

Prepaid MasterCards

Prepaid cards

  • Reloadable MasterCard®
  • Direct deposit load through the employer is free to the cardholder
  • No minimum to load
  • Withdrawal funds at the bank or ATM
  • One-time card setup fee: $4.00
  • Monthly maintenance fee: $4.00
  • FCCBs loads card at branch: $3.00
  • Use anywhere MasterCard is accepted

Payroll cards

  • Reloadable MasterCard®
  • Funds loaded to card just like direct deposit
  • Employees do not need a bank account and do not have to undergo a credit check
  • Withdrawal funds at the bank or ATM
  • One-time card setup fee: $4.00
  • Monthly maintenance fee: $3.00
  • Use anywhere MasterCard is accepted

Gift cards

  • Non-reloadable MasterCard®
  • Load gift card with any amount between $10 and $750
  • $5.95 fee per card to purchase
  • Cards can be purchased at any location 
  • Use anywhere MasterCard is accepted

Technical support

FCCB uses TransCard to offer these services. If you experience issues with your MasterCard®, or would like to check the balance you can do so at Transcard.com or call customer service at 1.800.416.6373. Their bi-lingual customer support team is available around the clock, and is committed to responding quickly and efficiently.


Click here for MasterCard’s Zero Liability Protection

Fraud protection services

Sign up for fraud text alerts here

At Four Corners Community Bank (FCCB), our fraud protection services are in place to give you peace of mind. We’re doing everything we can to ensure your account’s integrity. You’ll find specific information about our fraud protection services detailed here. If you have any questions, we’re here to help.

 

Fraud Center

Fraud Center analysts work around the clock to minimize the impact of fraud and reduce loss. Fraudulent use alerts are generated at the onset of suspicious activity. They are based on rules, models, algorithms, your spending habits, and logic to detect possible fraudulent activity within minutes of the transaction, while maintaining a low false-positive rate. High-risk transactions are identified and reviewed by a fraud analyst for all Visa debit and ATM cards. If fraud is suspected, the Fraud Center will attempt to contact you using the contact information you provide to Four Corners Community Bank to verify the legitimacy of the transactions. So that we may minimize any inconvenience, please make sure we always have your current address, phone numbers, and email.

If fraud is suspected, the Fraud Center will attempt to contact you via email, text message, and phone (in that order). All forms will come from the Fraud Center on behalf of Four Corners Community Bank. If you confirm a transaction is fraudulent, your card will be immediately disabled and unusable to prevent further activity; you will be instructed to contact FCCB during business hours to reissue a new card. If you are not available to confirm the activity, the card will be temporarily blocked until we can reach you to prevent additional fraud from occurring. This service is provided automatically for all FCCB customers at no charge.

 

How will the fraud center contact me?

  • First attempt: When potential fraud is detected, you will receive an automatic email notification, with reply instructions to either confirm or deny a fraudulent transaction.
  • Second attempt: One minute after the email, you will receive a text alert, with reply instructions to either confirm or deny a fraudulent transaction.
  • Third attempt: If there is no response received, you will then receive automatic phone calls to either confirm or deny a fraudulent transaction. The call will also give the option of speaking to a fraud analyst.

The Fraud Center monitors your account at all times and sends text messages and emails around the clock. This allows for faster response time, so you can get back to using your card sooner. Phone calls are made only between 8:00 a.m. and 9:00 p.m. FCCB will attempt to contact you to discuss the potential fraudulent transaction, if the Fraud Center has been unsuccessful in reaching you after 24 hours.

Remember, these messages will never ask for your PIN or account number. The phone number for the Fraud Center is 1.800.417.4592. We recommend adding this number to your phone’s contacts list and labeling it “Fraud Center,” to avoid missed calls from an unknown number.

 

What else can I do to prevent fraud?

Double your fraud protection power with fraud text alerts from smsGuardian

You also have the option to sign up for fraud text alerts from smsGuardian. Unlike the Fraud Center’s text alerts that are generated based on suspicious activity, smsGuardian fraud text alerts are generated each time certain types of transactions occur. Fraud text alerts are triggered any time one of the following transactions occurs to verify its legitimacy:

  • International transactions
  • Any amount greater than $300
  • Six or more transactions in a 24-hour period
  • Purchase without card (online transactions)

This service is also free, but you must sign up for it by clicking on the link above. (Message and data rates may apply based on your cell phone provider.)

 

Fraud text alerts from smsGuardian

smsGuardian is an anti-fraud text alert service for Visa debit and ATM card transactions that sends alerts directly to you via text message. This service works alongside the Fraud Center. When you verify unauthorized activity, the information is immediately routed to a fraud analyst for card blocking and follow up, reducing the window of time in which subsequent unauthorized transactions could take place.

The text you receive will refer to one of the transaction types listed above. No reply is needed if the transaction is not fraudulent. Reply with the provided code if the transaction is unauthorized; this will disable the card so no further fraudulent transactions can take place. In which case, call FCCB for further instruction. You can also reply “stop” to cancel future text alerts or “help” for more information.

You will receive alerts on your cell phone(s), or other short message service (SMS) device for enrolled Visa debit and ATM cards. The number of alerts you receive will be based on your card usage and the types of transactions you make. Fraud text alerts are reliable, flexible, and extremely easy to manage. You can enroll your cards and mobile numbers online. Enrollments are effective for one year. You will be notified prior to expiration and can respond to a renewal text to extend enrollment for another year.

 

How do fraud text alerts work?

  • Sends alerts about suspicious card activity directly to you via two-way text message communication. If transaction is authorized, no action is required; instructions are included to report the transaction as unauthorized.
  • Routes fraud confirmation to an analyst at the Fraud Center for card blocking and follow up.
  • Allows enrollment for two mobile SMS devices per card number.
  • Offers “do not disturb” times. Messages will be queued and sent after a pre-set time.
  • Provides an easy enrollment and renewal process.
  • Supports all major mobile phone carriers. Message and data rates may apply.

 

Benefits of enrolling in fraud text alerts

  • Reduces debit and ATM card fraud and the likelihood of repeated unauthorized transactions.
  • Puts you in greater control over fraud prevention.
  • Safeguards your assets.
  • Helps protect your credit rating.

 

Additional info about fraud text alerts

Mobile service providers including Sprint, Nextel, Boost, and Virgin require that we send a 30-day subscription reminder message to their customers participating in smsGuardian. If you have one of these carriers, you will receive an alert message every 30 days reminding you of the subscription with instructions for help or to cancel.

Although this service is free, message and data rates may apply depending on your carrier. You may discontinue alerts at any time by texting the word stop in the reply field to a fraud text alert or to 27576; you can also unsubscribe online here. If you need help regarding the use of this service you can reply to an alert message with the word help, click on the service usage guide link, or call smsGuardian at 888.868.8611.

Terms and Conditions

Service Usage Guide

Overdraft privilege

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient, and potentially an embarrassing experience. At Four Corners Community Bank, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That’s why we provide an overdraft privilege, a special overdraft service for Four Corners Community Bank’s customers.

 

What is overdraft privilege?

Overdraft privilege is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit. Your overdraft privilege limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payments; and for certain business accounts only, ATM and everyday debit card transactions. For all other personal accounts, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.

 

How does overdraft privilege work?*

As long as you maintain your account in “good standing,” we may approve your overdraft items within your current available overdraft privilege limit as a non-contractual courtesy. For overdraft privilege consideration, your account is in “good standing” if you (1) deposit enough money to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of overdraft privilege as a continuing line of credit; and (3) there are no legal orders, levies, or liens against your account.

Please note that the amount of the overdraft plus our non-sufficient funds (NSF) paid item(s) charge of $25 for each item will be deducted from your overdraft limit. If the item is returned, the NSF returned item(s) charge of $25 will be deducted from your account. No interest will be charged on the overdraft balance.

*Please refer to the customer overdraft policy for additional details.

 

What if I go beyond my overdraft privilege limit?

Overdrafts above and beyond your established overdraft privilege limit may result in checks or other items being returned to the payee. The NSF returned item(s) charge of $25 will be charged per item and assessed to your account. An OD/NSF notice will be sent to notify you of items paid and/or returned.

 

What does overdraft privilege cost?

There is no additional cost associated with overdraft privilege unless you use it. You will be charged our NSF paid item(s) charge of $25 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction, a recurring debit card payment; and for certain business accounts only, ATM and everyday debit card transactions. Also, for personal accounts only, if you have requested us to do so, we may authorize and cover ATM transfers or withdrawals and everyday debit card purchases. For example, three paid items in one day will result in $75 in NSF paid item(s) charges. To help you manage your account, the total fees you have paid for items (both paid and returned) during the current month and for the year-to-date will be reflected on your monthly checking statement.

 

What is my overdraft privilege limit? If I have two checking accounts, can I get overdraft privilege on both?

Locate your account type below and make note of the corresponding limit. If you have multiple accounts for your household, you may have a limit on all eligible accounts.

  • Community Checking: $500
  • Classic 55: $500
  • Interest Checking: $1,000
  • Community Club: $1,000
  • Sole Proprietorship: $1,000

 

How quickly must I repay my overdraft privilege?

You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days. If you are not able to do so, you will receive a letter from Four Corners Community Bank informing you that your overdraft privilege limit has been suspended and additional items will be returned. If your limit is suspended, unless we notify you otherwise or you request this service be removed from your account, your limit will be made available to cover overdrafts again the first business day after you bring your account to a positive end-of-day balance.

 

What are some of the ways I can access my overdraft privilege limit? Will my limit be reflected in the balance I receive?

The chart below shows the different ways you can access your overdraft privilege limit and indicates whether or not this limit will be reflected in the balance provided.

 

Access pointsIs my overdraft privilege available?Does the balance proceed reflect my overdraft privilege limit?

Access points


Teller

Is my overdraft privilege available?


Yes

Does the balance proceed reflect my overdraft privilege limit?


No

Access points


Writing a check

Is my overdraft privilege available?


Yes

Does the balance proceed reflect my overdraft privilege limit?


N/A

Access points


Visa check card(recurring)

Is my overdraft privilege available?


Yes

Does the balance proceed reflect my overdraft privilege limit?


N/A

Access points


Visa check card(everyday)

Is my overdraft privilege available?


No**

Does the balance proceed reflect my overdraft privilege limit?


N/A

Access points


ATM widthdrawal

Is my overdraft privilege available?


No**

Does the balance proceed reflect my overdraft privilege limit?


No

Access points


ACH-auto debit

Is my overdraft privilege available?


Yes

Does the balance proceed reflect my overdraft privilege limit?


N/A

Access points


NetTeller

Is my overdraft privilege available?


Yes

Does the balance proceed reflect my overdraft privilege limit?


No

Access points


Bill pay

Is my overdraft privilege available?


Yes

Does the balance proceed reflect my overdraft privilege limit?


N/A

Access points


24/7 telephone banking

Is my overdraft privilege available?


Yes

Does the balance proceed reflect my overdraft privilege limit?


No

**With the exception of certain business accounts, the overdraft privilege service will be made available for ATM or everyday debit card transactions upon your request. Call 855.547.3222 or visit one of our branches to arrange for your ATM and debit card coverage.

 

What if I am having trouble repaying my overdraft privilege or use it frequently?

Please contact us at 855.547.3222 if you: (1) do not believe you will be able to bring your account to a positive end-of-day balance within the required time period; (2) find that you are using the overdraft privilege more often than you intend; or (3) don’t understand why your account becomes overdrawn. We would like to discuss your situation with you.

Following regulatory guidance, we will contact you if you are paying multiple OD fees (i.e., more than six fees in a rolling 12-month period), to discuss possible alternatives to overdraft privilege that may better meet your short term credit needs. In the event you ask us to stop contacting you because you have determined overdraft privilege is appropriate for your needs, we will honor your wishes. However, if we identify that the number and frequency of overdrafts increases materially for an extended period of time at some point after that, we may contact you again to ensure overdraft privilege is still the most appropriate option available to you for covering your short term credit needs.

 

How do I know when I use the overdraft privilege limit?

You will receive an overdraft notice each time items are paid, including fees. You will need to subtract the total fees when balancing your checkbook.

 

How soon can I use my overdraft privilege?

If you are a new customer, we will advise you 30 or more days after your account is opened that you may use the overdraft privilege service. This is provided you have maintained satisfactory activity in the account, including regular deposits, consistent with our internal standards for new account types that may offer overdraft privilege. Once you are notified your overdraft privilege limit is available to you, it may continue to be available provided you maintain the account in “good standing” as defined here.

 

What are some other ways I can cover overdrafts at Four Corners Community Bank?

The best way to avoid overdrafts and fees is to keep track of your account balance by entering all checks, debit card purchases, and ATM withdrawals in your check register, reconcile your checkbook regularly, and manage your finances responsibly. However, if a mistake occurs, Four Corners Community Bank offers additional ways to cover overdrafts in addition to overdraft privilege.

Ways to cover overdrafts at Four Corners Community BankExample of associated rates and fees

Ways to cover overdrafts at Four Corners Community Bank


Good account management

Example of associated rates and fees


$0

Ways to cover overdrafts at Four Corners Community Bank


Link to savings account

Example of associated rates and fees


$5 transfer fee

Ways to cover overdrafts at Four Corners Community Bank


Overdraft line of credit

Example of associated rates and fees


18% APR with a $5 advance fee

Ways to cover overdrafts at Four Corners Community Bank


Overdraft privilege

Example of associated rates and fees


NSF paid item(s) charge of $25 for each item

The number of transfers allowed from a savings account each month may be limited and additional fees/consequences for exceeding this limit may apply. Annual percentage rate (APR) subject to change. Please ask us about our current specific products, rates, and fees.

 

What if I do not want to have overdraft privilege on my account?

If you would like to have this service removed from your account, please call 855.547.3222.

 

Overdraft Privilege Customer Overdraft Policy

There are several ways your account can become overdrawn, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited by you; (4) bank service charges; or (5) the deposit of items which, according to the bank’s Funds Availability Policy, are treated as not yet available or finally paid.

While we are not obligated to pay any item presented for payment if your account does not contain enough money, as long as you maintain your account in “good standing,” we may approve your overdraft items within your current available overdraft privilege limit as a non-contractual courtesy. For overdraft privilege consideration, your account is in “good standing” if you (1) deposit enough money to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of overdraft privilege as a continuing line of credit; and (3) have no legal orders, levies, or liens against your account.

In the normal course of business, we generally pay electronic transactions first and then checks beginning with the lowest dollar amount, per the bank’s policy. We reserve the right to change the order of payment without notice to you if we suspect fraud or possible illegal activity affecting your account. Also, please be aware that the order we pay your items in may create multiple overdraft items in a single banking day and you will be charged our NSF paid item(s) charge of $25 for each overdraft item paid.

You may opt out of the privilege at any time, but you are responsible for any overdrawn balances at the time of opting out. Normally, we will not approve an overdraft for you in excess of the predetermined amount assigned to your account type. So as not to exceed your limit, please note that the amount of the overdraft plus the bank’s NSF paid item(s) charge of $25 per item will be deducted from the overdraft limit.

We may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for you. For example, we typically do not pay overdraft items if your account is not in good standing as defined above, or, if based upon our review of your account management, we determine that you are using overdraft privilege excessively or seem to be using overdraft privilege as a regular line of credit. You will be charged a NSF returned item(s) charge of $25 for each item returned.

We will notify you promptly of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft including our NSF paid item(s) charge of $25 and/or a NSF returned item(s) charge of $25 that you owe us is due and payable upon demand. Even if we do not ask you for payment, you must repay us, no later than 30 calendar days after the creation of the overdraft. If there is an overdraft on an account with more than one owner on the signature card, each owner and agent, if applicable, is jointly and severally liable for all overdrafts including all fees charged.

Overdraft privilege should not be viewed as an encouragement to overdraw your account. To avoid fees, we encourage you to keep track of your account balance by entering all items in your check register, reconcile your checkbook regularly, and manage your finances responsibly. If you would like to have this service removed from your account, please call 855.547.3222.

Please note that your overdraft privilege limit may be available for each item paid under the limit created by checks and other transactions made using your checking account number, such as a teller withdrawal, an automatic payment (ACH) transaction, or automatic bill payment and recurring debit card payment; and for business accounts only, ATM, and everyday debit card transactions. For all other personal accounts, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. When you ask for your account balance, please remember the amount we show you does not include your overdraft limit.

LIMITATIONS: Overdraft privilege is a non-contractual courtesy that is available to individually/jointly owned accounts in good standing for personal or household use. Four Corners Community Bank reserves the right to limit participation to one account per household and to suspend, revoke, or discontinue this service without prior notice. If your limit is suspended, unless we notify you otherwise or you request this service be removed from your account, your limit will be made available to cover overdrafts again the first business day after you bring your account to a positive end-of-day balance.

 

Fresh Start Program

Click here for our financial education tool Checking Navigator. Follow the prompts to register and create an account.

Cash management

Perform banking transactions including ACH debits and credits, wire transfers, view account transactions, make transfers, and more with our cash management services. Advanced online banking features enable managers to control their account balances and transaction activity with ease and flexibility.

 

Features

  • Upload NACHA-certified batch files directly from your accounting software
  • Review account information and transaction activity
  • Set up and receive automatic email alerts
  • Transfer funds between accounts
  • Initiate wire transfers
  • ACH originations, credits for direct deposit payroll, pay vendors, receive customer payments, etc.
  • Retrieve archive statements
  • Credit line advances and payments
  • Place stop payments
  • Assign specific authority levels to your employees
  • Includes remote deposit for business

 

Fees

  • One-time setup fee: $100.00
  • Annual fee for NACHA rule book annual update (when applicable): $30.00
    • Additional $10.00 monthly Bill Pay fee may apply if used
  • Monthly fees:
    • Basic service fee (multi-user functionality and stop-payment capabilities): $10.00
    • Full service fee (basic service plus wire, ACH, and Positive Pay capabilities): $30.00
    • Basic cash management and remote deposit*: $40.00
    • Full service cash management and remote deposit*: $60.00

*Remote deposit equipment must be purchased or leased from the bank for an additional fee

 

Remote deposit for business

Remote deposit for business allows you to deposit checks directly to your business checking account right from your location via a multi-feed scanner. The scanner converts checks to images and deposits them through a secure, web-based portal. Available whenever you are. Requires internet access.

 

Features

  • Process any type of check including corporate checks, consumer checks, cashier’s checks, third-party checks, and money orders
  • Statements available online
  • Deposits recorded same day if done before 4:00 p.m. MT
  • Email alert options available
  • Great for remote businesses, those lacking time, and those with nontraditional working hours

 

Fees for equipment:

  • Leased multi-scanner – $50.00 per month
  • Purchased multi-scanner – $650-$750 estimated

Merchant card processing

Are you looking to grow your business and accept your customers’ credit and debit cards? Through our partner, Bankers Bank of the West, we provide processing, settlement, and support for all card types, giving you one point of contact for all Visa and Mastercard transactions.

  • Complete credit and debit card processing for Visa and Mastercard
  • Gift card programs
  • Various equipment options for purchase
  • Competitive rates
    • Free quote available with current statement

User-friendly solutions that meet the latest industry security standards:

  • EMV-compatible terminals (accepts chip cards)
  • Dial terminals
  • IP terminals
  • Wireless terminals
  • Integrated credit and check terminals
  • PIN pads
  • Check imagers
  • Contactless readers
  • Mobile processing

Questions?

Contact us