Free digital services available with all checking accounts:

• One solution for all digital banking, whether desktop, tablet, or mobile device
• eStatements, eNotices, and electronic tax forms (if applicable)
• Web Connect for QuickBooks and Quicken
• Bill pay
• Mobile deposit
• Person-to-Person (P2P) transfers
• Online banking sub-user capabilities
• Money Manager – Personal financial management tool

Other free services available:

• Telephone banking
• Instant-issue Visa debit card
• ATM cards

*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). 

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

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

Must be at least 55 to qualify for this account.

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

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

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

Service charges

• No monthly service charges

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

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

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 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

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).

Features

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

Service charges

• Early withdrawal penalty may apply

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.

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)

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

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.

Rates are annual percentage yields (APY)

Certificate of deposit rates are subject to change at any time and are not guaranteed until account is opened. APY is based upon annual interest payments. Minimum balance of $1,000 required for all CD’s. Please call (505) 327-3222 for current rates. A penalty may be imposed for early withdrawal.

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).