Personal Dividend Checking Accounts

Looking for a checking account that pays you, unlike the big banks with big fees? With a Nusenda Dividend Checking account, you’ll receive all the benefits of being a Nusenda member; and, through our Community Rewards® program, you earn cash back and we contribute a cash reward to the community.

With our Dividend Checking account, if you keep an average balance of $2,500 (which includes all accounts you have with Nusenda, like an auto loan, a mortgage, a credit card, or a certificate account), we’ll waive the $5 a month maintenance fee — plus other great benefits, like out-of-network ATM fee refunds, and Visa gift cards with no-issue fees.

You’ll have simple, 24/7 access to your account at home or on-the-go with Mobile and Internet Banking features like Touch ID, Face ID, Fingerprint login, and mobile deposit.

Welcome to an evolved banking experience. Welcome to The Power of WE®.

Call us at 505-889-7755 (800-347-2838 outside the Albuquerque area) or make an appointment at a branch near you.

Dividend Checking

Dividend Checking Account Benefits

  • 200 surcharge-free ATMs in New Mexico, and nearly 30,000 across the U.S.
  • Up to 10 ATM fee refunds monthly, deposited on the first business day of each month.
  • No-fee Member to Member and Funds Transfer services.
  • One free check order per year.
  • Online financial management tool, Money Manager.

Dividend Checking Product Comparison

Compare the checking account options below and find out more about all the benefits that Nusenda Credit Union offers you. Then open a Dividend Nusenda Credit Union checking account, and start earning your rewards today.

Financial Institution Monthly Maintenance Fee* Maintenance Fee Waived Opening Balance Rate/APY Fee-free ATMs
Nusenda Credit Union $5.00 $2,500 average relationship balance $25 Up to 0.05% More than 200 in NM; nearly 30,000 nationwide
Wells Fargo
$25.00 $12,000 combined deposit balance and online statements, OR a linked mortgage $25 Up to 0.01% More than 80 in NM
Bank of America
Advantage Relationship
$25.00 $10,000 combined deposit balance and enrolled in the Preferred Rewards Program $100 Up to 0.01% More than 80 in NM
Bank of Albuquerque
Select Checking
$15.00 $10,000 combined deposit balance OR mortgage with auto debit $50 Up to 0.01% More than 60 in NM
Bank of the West
Premier Checking
$25 $25,000 combined deposit balance OR mortgage with auto debit $100 Up to 0.01% More than 20 in NM

* Fees may vary, and additional fees may apply. Fees current as of July 2020.


You’ve come to the right place to get the information you need to manage day-to-day checking situations.

The ABA Routing Number for Nusenda Credit Union is 307083665

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Access your account when you are away from home, thanks to the Credit Union Shared Branching Network or CO-OP network of nearly 30,000 ATMs

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Easy online access to your account through online banking and the Mobile App