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Personal Banking

Services available with all checking accounts

  • Free online, mobile, and telephone banking
  • Free eStatements
  • Free bill pay
  • Free Direct Connect for QuickBooks and Quicken
  • Free remote deposit with personal mobile device
    • Subject to approval. Up to daily and monthly number and 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). 

Community Checking

This account is equipped with check-writing capabilities bundled with the convenience and benefits of an electronic checking account.

 

Features

  • $100.00 initial deposit to open
  • No monthly service fee for ATM/Visa® debit card
  • No monthly service charge

 

Service charges

  • $5.00 monthly paper statement fee
    • Free eStatements are available 
  • Customer purchases checks
    • Cost varies on style and check type

Interest Checking

Earn more with this interest-bearing account.

 

Features

  • $100.00 initial deposit to open
  • Interest bearing
  • Free ATM/Visa® debit card

 

Service charges

  • $8.00 monthly service charge
    • Fee is waived with a $1,000.00 minimum daily balance
  • Customer purchases checks
    • Cost varies on style and check type

Classic 55

Ideal for those over 55.

 

Features

  • $100.00 initial deposit to open
  • Interest bearing
  • Free ATM/Visa® debit card

 

Service charges

  • $5.00 monthly service charge
    • Fee is waived with a $100.00 minimum daily balance
  • No charge for first box of corporate image check
    • Future order cost varies on style and check type

Community Club

Experience the club with numerous benefits and a suite of services in one package.

 

Features

  • $100.00 initial deposit to open
  • Interest bearing
  • No charge for 3×10 safe deposit box
    • Available at 500 West Main in Farmington, NM and 77 West Main Street in Cortez, CO
  • No charge for cashier’s checks
  • No charge for stop payments
  • Free ATM/Visa® debit card

 

Service charges

  • $15.00 monthly service charge
    • Fee is waived with a $4,000.00 minimum daily balance from any combination of the accounts below:
      • Checking
      • Savings
      • Money market
      • Certificate of deposit
      • IRA
    • Service charge is also waived with a loan balance greater than $10,000
  • Customer purchases checks
    • Cost varies on style and check type

Community Health Savings Account (HSA)

A Health Savings Account (HSA) encourages saving for future healthcare expenses. Funds contributed to this account are not subject to federal income tax at the time of deposit.

Features

  • No minimum initial deposit to open
  • Interest bearing
    • Variable money market rates apply
  • No setup fee
  • Free Visa® debit card

 

Service charges

  • No monthly service charges

Satisfaction Savings

Savings option without a required large balance. Account access via ATM and ATM card. Earn interest and receive a quarterly statement (or monthly statement with electronic transactions).

 

Features

  • $100.00 initial deposit to open
  • Interest bearing
  • Free ATM card

 

Service charges

  • $2.00 monthly service charge
    • Fee is waived with a $200.00 minimum daily balance
  • Six free withdrawals or transfers per month
    • $2.00 per withdrawal or transfer after the sixth

Minor Savings

Account for youth under the age of 18. Minor must be accompanied by a qualified signer.

 

Features

  • $10.00 initial deposit to open
  • Interest bearing

 

Service charges

  • $1.00 monthly service charge
    • Fee is waived with a $100.00 minimum daily balance
  • Six free withdrawals or transfers per month
    • $1.00 per withdrawal or transfer after the sixth

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

  • $1,000.00 initial deposit to open
  • Interest bearing
  • Free bill pay

 

Service charges

  • $10.00 monthly service charge
    • Fee is waived with a $1,000.00 minimum daily balance
  • Six free withdrawals or transfers per month
    • $10.00 per withdrawal or transfer after the sixth
    • No more than six transfers allowed by check, draft, or debit card to a third-party

Certificates of deposit and IRAs

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

Retirement savings available with an IRA. Offering Traditional, ROTH, and SEP (for small business owners and employees). CD terms and rates also apply to IRAs.

 

Features

  • $1,000.00 initial deposit to open
  • Interest bearing
  • Competitive rates for specific terms
    • Check our current rates

 

Service charges

  • Early withdrawal penalty may apply
  • $100.00 early IRA withdrawal fee within six months

Safe deposit boxes

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

Sizes vary by location

  • 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.

Overdraft protection

Link your savings account to cover your checking if you become overdrawn. Overdraft protection automatically sweeps increments of $100 for a small fee instead of incurring an NSF fee and a possible fee from the merchant for lack of funds.

 

Service charges

  • No fee if the service is never used
  • $5.00 per transfer fee is assessed to the savings account if service is used

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 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 overdraft privilege, a special overdraft service for Four Corners Community Bank customers. Read more about overdraft privilege here.

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