Checking Accounts

As a Nusenda Credit Union member-owner, you’ll enjoy lower fees and higher dividends, and feel good knowing that you’re building positive change in your hometown through our one-of-a-kind Community Rewards® program.

Tired of getting nickeled and dimed with the big banks? Nusenda is headquartered in New Mexico and locally operated in New Mexico and West Texas. We offer several low-fee or no-fee options that easily fit into your lifestyle - including the breeze Account with Debit Card, Essential Checking, and Dividend Checking.


Dividend Checking

 

The higher the balance, the higher your dividend. If you maintain an average balance of at least $2,500, the $5 monthly maintenance fee is waived.

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Essential Checking

 

Enjoy all the benefit of an easy access checking account, a Visa® Debit Card, and several options for waiving the $5 monthly maintenance fee. 

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breeze® Checking

 

A great option for those who don't need to write checks, or young people learning about smart money management.

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Pay with School Pride!

Whether you're a Lobo or an Aggie, you can pay with your school's pride by using your University of New Mexico or New Mexico State University themed debit cards. Replacing your current debit card for a UNM or NMSU card is easy — just stop by any of Nusenda’s branches and receive your card instantly. Unable to stop by a branch? No problem! Contact us and we'll mail one to you.


Nusenda Debit Card Art

Checking Account Benefits

Earn Your Return

Earn Your Return

 

Community Rewards

Community Rewards

 

Complimentary Fraud Prevention

 

Overdraft Protection

 

Mobile and Internet Banking

 

Insured by NCUA

Insured by NCUA



Mobile and Internet Banking

We offer Mobile and Internet Banking features to access your money wherever you are, on your time. You’ll also have access to thousands of ATMs and shared branches nationwide; and personalized service in over 30 branches from Las Cruces to El Paso.



Checking - Mobile Phone

Make the Switch

When you open a checking account with Nusenda Credit Union, you get the peace of mind knowing you’re doing business with people more interested in your financial well-being and giving back to the community than maximizing profits. Ready for a change? Welcome to Nusenda Credit Union.

We’re here to help you make the transition to Nusenda Credit Union simple and pain-free. Use our switch kit forms, which can be printed or viewed online, to help make your move. Need more help? Give us a call, or stop by a branch nearest you. 


Checking FAQs

What is a checking account?

A checking account is a bank account that allows you to easily deposit money, withdraw funds, and pay bills using checks or a debit card. It’s a great way to manage day-to-day expenses and maintain quick access to your money.

How do I open a checking account with Nusenda?

Opening a checking account with Nusenda is quick and easy. You can apply online or visit one of our branches. You’ll need a government-issued ID, proof of address, and your Social Security number to complete the process.

What are the requirements for opening a checking account?

To open a checking account with Nusenda, you need to be a member of the credit union. You’ll also need to provide a valid ID, proof of your current address, and your Social Security number. If you’re under 18, a parent or guardian will need to co-sign.

Can I open a joint checking account with someone else?

Yes, you can open a joint checking account with another person. Both account holders will have equal access to the account, and you’ll need to provide the same documentation for both parties. If you need more information about how to open a joint checking account, our team is happy to help.

How do I find my routing and account number?

To find your checking account routing and account number, you can check the bottom of your checks, view them in online banking, or contact us for assistance.

How are checking and savings accounts different?

Checking and savings accounts differ in their primary functions. A checking account is used for day-to-day transactions like paying bills and making purchases, while a savings account is meant for long-term savings with the ability to earn interest. Checking accounts offer more frequent access to your funds, whereas savings accounts are typically used for accumulating interest over time.

How do I set up direct deposit for my Nusenda checking account?

To set up direct deposit, provide your employer or payment provider with your Nusenda checking account number and routing number. You can also use our online banking portal to set up or manage direct deposits.

Can I access my checking account online and through mobile banking?

Yes, you can access your Nusenda checking account both online and through our mobile banking app. This allows you to check balances, transfer funds, pay bills, and more from anywhere.

What are the fees associated with Nusenda checking accounts?

Nusenda offers several checking accounts with low or no monthly fees. For some accounts, fees can be waived by meeting certain requirements, such as maintaining a minimum balance or enrolling in direct deposit.

How do I order checks for my Nusenda checking account?

You can order checks for your Nusenda checking account online or through our mobile banking app. If you prefer, you can also visit one of our branches to place an order.