Our variety of checking accounts gives you the options you need as well as the financial sophistication you desire.

Safe at First

• $100.00 minimum to open
• Regular Monthly Statement
• No Minimum Balance
• No Monthly Fee
• Checks must be ordered from First National Bank of Ruidoso
• First 50 Check Starter Kit free

Personal Checking

• $100.00 minimum to open
• Image Statements and Image Checks
• Over $1000 -- No monthly fee
• $500 - $999 -- $5.00 service charge per month
• $0 - $499 -- $10.00 service charge per month

New Vision Account - Senior Checking 55+

• $100.00 minimum to open
• Image Statements and Image Checks
• $5.00 per month
• Free "New Vision" Checks, Cashier Checks and Bookkeeping Services

NOW Account (Personal & Non-personal)

• $100.00 minimum to open
• Image Statements and Image Checks
• Average Daily Balance of $500.00 must be maintained to obtain the disclosed APY
• Rate Information
• Over $1000 -- No monthly fee
• $500 - $999 -- $5.00 service charge per month
• $0 - $499 -- $10.00 service charge per month

Image Statements and Image Checks -- Your monthly checking account statement includes our convenient "Image Checks". Your checks are laser printed on a page and arranged in numerical order. Conveniently stored in a 3 ring binder provided by First National Bank you can more easily balance your account and eliminate storage of bulky loose checks. "Image Checks" are considered valid proof of payment but if you need an actual size copy we can provide one for you quickly.

Overdraft Protection -- For your convenience you may arrange automatic transfer of funds from your regular savings or other accounts to your checking account which gives you overdraft protection and instant access to your savings through your checking account in an emergency.

Services are subject to New Mexico Gross Receipts Tax