A customer completing a transaction on a chip reader
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.
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.
Call us during business hours at 505.327.3222 (New Mexico) or 970.565.8421 (Colorado). After hours call toll free at 866.546.8273. You can also turn your card(s) off anytime under the “Manage cards” menu within online banking.
New customers:
Existing customers:
At FCCB it’s easy to choose the credit card that’s right for you! Whether you’re looking for Low Rate or Preferred Points Rewards, we have you covered. It’s the only card you need for everything you do.
Extraordinary benefits with Mastercard® including:
Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.
*Mastercard World cardholders only.
Features
Benefits
Fees
Features
Benefits
Fees
* Please see application for information about current APRs and fees.
Report a lost or stolen credit card
If your credit card is lost or stolen, please contact the appropriate support center:
Elan Credit Card | www.myaccountaccess.com or 1.866.234.4691
TIB Card Service | www.cardaccount.net or 1.800.367.7576
FTC credit reports and credit scores
Equifax (1.800.685.1111)
Experian (1.888.397.3742)
TransUnion (1.800.916.8800)
New customers:
Existing customers:
We’ve made it easy to choose the card that’s right for your business. The Standard Card has no annual fee or the Preferred Points Rewards Card earns points on your everyday purchases.
No matter which card you choose, your business will benefit from the extraordinary Mastercard® BusinessCard benefits, including:
Certain restrictions apply to each benefit detailed in the applicable benefits brochure received with new credit cards.
Features
Benefits
Fees
Features
Benefits
Fees
*Please see application for information about current APRs and fees.
Supporting Documents for Your Card Application:
| Sole proprietor | Partnership | Private corporation | Public corporation | Non-profit | |
| Application |
★ |
★ | ★ | ★ |
★ |
| Organizational Papers |
★ |
★ | ★ | ★ |
★ |
| Borrowing Resolution | ★ | ★ | ★ |
★ |
|
| Financial Statements | ★ | ★ | ★ |
★ |
|
| Personal Guaranty |
★ |
★ | ★ | ||
| Personal Tax Return |
★ |
★ | ★ |
Report a lost or stolen credit card
Elan Credit Card | www.myaccountaccess.com or 1.866.234.4691
TIB Card Service | www.cardaccount.net or 1.800.367.7576
FTC credit reports and credit scores
Equifax (1.800.685.1111)
Experian (1.888.397.3742)
TransUnion (1.800.916.8800)
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.
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 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. 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. 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.
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 (FCCB), 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 Courtesy Pay, a special overdraft service for FCCB’s customers.
Courtesy Pay is the bank’s discretionary overdraft service that authorizes and pays overdrafts for checks, other transactions made using your checking account number, ACH transactions, automatic bill payments, recurring debit card transactions, preauthorized internal debits, digital banking transactions and telephone banking transfers. Courtesy Pay is not contractual in nature and is not a substitute for responsible money management. It is a short -term liquidity funding source offered where the bank strives to pay your overdraft in the unlikely event that non-sufficient funds occur. The amount that will be covered is at the bank’s discretion.
If you would like to have your ATM and one-time debit card transactions included in this overdraft service, you can opt-in to Courtesy Pay Plus. To request Courtesy Pay Plus, the following conditions must be met: (1) You receive and understand the Overdraft Services Disclosure and Consent Form; (2) the bank receives your “opt-in” request via in person request, call, or mail; and (3) the bank provides you with a written confirmation of the request. The request for Courtesy Pay Plus may be revoked by you at any time. Business accounts will automatically receive Courtesy Pay Plus.
As long as you maintain your account in “good standing,” we may approve your overdraft items as a non-contractual courtesy. Your account is considered to be in “good standing” if (1) you deposit enough money to bring your account to a positive end-of-day balance at least once every 35 calendar days (including the payment of all bank fees and charges); (2) you avoid excessive overdrafts suggesting the use of overdraft privilege as a continuing line of credit; and (3) there have been no legal orders, levies, or liens against your account within the last 12 months.
Please note that the amount of the overdraft plus our overdraft item fee of $30 for each item paid will be deducted from your account. If the item is returned, the return item fee of $30 will be deducted from your account. No interest will be charged on the overdraft balance.
There is no additional cost associated with this service unless you use it. When the service is used, you will be charged an overdraft item fee of $30 for each overdrawn item. For example, three paid items in one day will result in $90 in overdraft item fees. 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 account statement.
If you have two checking accounts… No problem! Courtesy Pay is available on both accounts.
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 35 calendar days. If you are not able to do so, you will receive a letter from FCCB informing you that Courtesy Pay has been suspended and additional items will be returned. If Courtesy Pay is suspended, unless we notify you otherwise or you request this service be removed from your account, Courtesy Pay will be made available to cover overdrafts again the first business day after you bring your account to a positive end-of-day balance.
The chart below shows the different ways you can access Courtesy Pay and Courtesy Pay Plus and indicates whether or not this service will be reflected in the balance provided.
| Access points | Is Courtesy Pay available? | Does the balance proceed reflect my Courtesy Pay limit? |
|---|---|---|
Access points Teller | Is Courtesy Pay available? Yes | Does the balance proceed reflect my Courtesy Pay limit? No |
Access points Writing a check | Is Courtesy Pay available? Yes | Does the balance proceed reflect my Courtesy Pay limit? N/A |
Access points Visa check card(recurring) | Is Courtesy Pay available? Yes | Does the balance proceed reflect my Courtesy Pay limit? N/A |
Access points Visa check card(everyday) | Is Courtesy Pay available? No** | Does the balance proceed reflect my Courtesy Pay limit? N/A |
Access points ATM widthdrawal | Is Courtesy Pay available? No** | Does the balance proceed reflect my Courtesy Pay limit? No |
Access points ACH-auto debit | Is Courtesy Pay available? Yes | Does the balance proceed reflect my Courtesy Pay limit? N/A |
Access points Digital Banking | Is Courtesy Pay available? Yes | Does the balance proceed reflect my Courtesy Pay limit? No |
Access points Bill pay | Is Courtesy Pay available? Yes | Does the balance proceed reflect my Courtesy Pay limit? N/A |
Access points 24/7 telephone banking | Is Courtesy Pay available? Yes | Does the balance proceed reflect my Courtesy Pay limit? No |
**These items will be covered for accounts that have Courtesy Pay Plus
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 Courtesy Pay 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 overdraft fees (i.e., more than six fees in a rolling 12-month period), to discuss possible alternatives to Courtesy Pay that may better meet your short-term liquidity needs. In the event you ask us to stop contacting you because you have determined Courtesy Pay 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 Courtesy Pay is still the most appropriate option available to you for covering your short-term liquidity needs.
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.
You will be given Courtesy Pay at account opening. This service may continue to be available provided the account is maintained in good standing as described above.
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, FCCB offers other services to cover overdrafts in addition to Courtesy Pay.
| Ways to cover overdrafts at Four Corners Community Bank | Example of associated rates and fees |
|---|---|
Ways to cover overdrafts at Four Corners Community Bank Good account management | Example of associated rates and fees $0.00 |
Ways to cover overdrafts at Four Corners Community Bank Link to another deposit account | Example of associated rates and fees $5.00 overdraft sweep transaction fee (per occurance) |
Ways to cover overdrafts at Four Corners Community Bank Courtesy Pay and Courtesy Pay Plus | Example of associated rates and fees Overdraft item fee or return item fee of $30.00 per item per presentment |
The number of transfers allowed from a savings account each month may be limited and additional fees/consequences for exceeding this limit may apply. Please ask us about our current specific products, rates, and fees.
If you would like to have this service removed from your account, please call 855.547.3222.
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 account balances and transaction activity with ease and flexibility.
*Remote deposit capture equipment must be purchased or leased from the bank for an additional fee
Remote deposit capture 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.
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.
Fee | Service |
$5.00 | Notary service |
$25.00 | Deposit account early closure fee (accounts closed within the first six months) |
$100.00 | IRA early closure fee (IRAs closed within first six months) |
$20.00 | Dormant account fee (per month for balance under $1,000; savings two years no activity/checking one year no activity) |
$5.00 | Overdraft sweep transaction fee (per occurrence) |
$30.00 | Overdraft item fee* (per paid item) |
$30.00 | Return item fee* (per returned item per presentment) |
$30.00 | UCF Overdraft Item Fee (per item per presentment)* |
$30.00 | Overdraft Item Fee (per item)* |
$25.00 | Stop payment fee (per stop payment) |
$5.00 | Cashier's check fee (per check) |
$1.00 | Counter checks (four checks per page) |
$50.00 | Foreign currency purchase |
$40.00 | Foreign currency return |
$5.00 | Night depository key (refundable deposit, per key) |
$30.00 | Night deposit bag with lock |
$5.00 | Zipper bag |
$0.50 | Photocopy fee (per page) |
$50.00 | Research and production fee (per hour) |
$32.00 | Account reconciliation fee (per hour) |
$1.00 | ATM balance inquiry fee (not FCCB ATM) |
$1.00 | ATM withdrawal fee (not FCCB ATM) |
$5.00 | ATM/Visa check card replacement fee |
$10.00 | ACH set-up fee |
$30.00 | Domestic outgoing wire transfer fee |
$45.00 | International outgoing wire transfer fee |
$5.00 | Incoming wire transfer fee |
$50.00 | Levy/garnishment fee |
$15.00 | Collection fee for account holder, incoming and outgoing |
$25.00 | Collection fee for non-account holder |
$3.00 | Duplicate statement fee (per statement) |
$3.00 | Interim statement fee (per statement) |