Essential Checking Account

The Essential Checking account gives you all the benefits of easy-access checking with a low $5 monthly fee, or none at all if you opt for paperless eStatements, are under 21, over 62, or keep an average relationship balance of $250 (including all accounts and loans with your credit union).

It also comes with some pretty great bonuses, like Community Rewards and Earn Your Return, and convenient ways to manage your money, including mobile banking apps, Mobile Deposit, and Apple Pay.

Discover the wonderful benefits of banking with the best credit union in the Southwest. Experience 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.

Essential Checking Account Benefits

You can use any of your Nusenda Credit Union Visa debit and credit cards with Apple Pay™!

Product Comparison

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

Product Comparison >> Checking

Financial Institution Monthly Maintenance Fee* Maintenance Fee Waived Opening Balance Fee-free ATMs
Nusenda Credit Union $5.00 $250 average relationship balance, OR enrolled in eStatements, OR under age 21 $25.00 More than 200 in NM; nearly 30,000 nationwide
Wells Fargo
Everyday Checking
$10.00 $1,500 daily balance; 10 debit card transactions monthly; $500 in qualifying direct deposits or linked Campus ATM or Debit Cards $50 More than 80 in NM
Bank of America
Core Checking
$12.00 $1,500 average daily balance; $250 or more in qualifying direct deposits; OR Preferred Rewards Clients $250 More than 80 in NM
Bank of Albuquerque
Access Checking
$5.95 If enrolled in online statements or self-service for all deposits and withdrawals $50 More than 60 in NM
Bank of the West
Easy Checking
$8.00 for online statements
$1,000 average monthly balance; $250 or more direct deposits; OR debit card used for 10 or more transactions $100 More than 20 in NM

* Fees may vary, and additional fees may apply. Fees as of July 2015.


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

ABA Routing Number for Nusenda Credit Union is 307083665


Big bank services, small town attitude.

Nusenda Credit Union. The Power of WE®.

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Federally Insured By NCUA

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

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