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- Routing Number: 102202078
- Citizens Bank P2P
- Credit Cards
- Positive Pay
- Inter@act E-Statements/Notices
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• If you are looking for information, would like to apply for, or have questions about COVID-19 Small Business Guidance & Loan Resources, please click here to be directed to the U.S. Small Business Administration website.
• We are aware of a heightened increase in fraudulent activity.
We will never call, email or text you requesting your debit card number, pin, user id or other credentials. If you receive a message requesting this type of information, hang up or delete the communication. Call us at 505-599-0100 if you have questions.
• For the health and safety of our customers, community, and staff:
We are open but temporarily restricting access to our lobbies and Smith's Location. We will continue to offer all banking services through our drive-up facilities, our night drop, over the phone and using our online and mobile technologies.
Please click here for more information.
Online Banking Login
Business Checking
Only $50 to open! Every new personal checking account includes:
- FREE Debit Card
- FREE Online Banking
- FREE Bill Pay
- FREE Mobile Banking
- FREE E-Statement
| Citizens Business Checking | Citizens Business Checking Plus | Citizens Commercial Account Analysis | |
| Will your business have fewer than 500 transactions each month? |
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| Is your business a sole proprietorship or a not-for-profit orginization? |
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| If you answered no to the questions above. | • |
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Citizens Business Checking
Perfect for most businesses!
- No minimum balance
- No monthly maintenance fee
- 500 FREE monthly transaction items*
- Up to $10,000 cash purchased per month FREE^
*Transaction items include checks paid, checks deposited, ACH debits, and ACH Credits. Just 25¢ each over 500 items.
If Citizens Business Checking exceeds 500 free monthly transactions, the account may be converted to Commercial Account Analysis.
^ Included coin and currency. Just $1.50 per $1,000 purchased in currency over $10,000.Customer purchases checks.
See TISA disclosures for details. Other fees may apply. Fees subject to change without notice. Minimum opening deposit is only $50.
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Citizens Business Checking Plus
Business Checking Plus
Sole proprietorships & not-for-profit organizations will earn interest on checking dollars!
- Competitive interest
- No minimum balance
- No monthly maintenance fee
- Up to $10,000 cash purchase per month FREE ^
- Transaction items charged on a per-item basis, (including checks paid, checks deposited, ACH debits and ACH credits) just 12¢; pay only for services you use
^ Included coin and currency. Just $1.50 per $1,000 purchased in currency over $10,000.
Customer purchases checks.
See TISA disclosures for details. Other fees may apply. Fees subject to change without notice. Minimum opening deposit is only $50.
Commercial Account Analysis
For Businesses with more complex banking needs!
- Earning credit allowance+ on deposit balances may offset activity fees.
- Only $8.00 per month maintenance fee.
- Deposits or credits are just 7¢ each and debits are just 15¢ each.
+ We give an earnings credit (on the average daily balance minus uncollected balance and minus reserve requirements).
Customer purchases checks.
See TISA disclosures for details. Other fees may apply. Fees subject to change without notice. Minimum opening deposit is only $50.
The earnings credit is set by the bank and is subject to change at the Bank's discretion.
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Commercial Account Analysis
Commercial Account Analysis
For Businesses with more complex banking needs!
- Earning credit allowance+ on deposit balances may offset activity fees.
- Only $8.00 per month maintenance fee.
- Deposits or credits are just 7¢ each and debits are just 15¢ each.
+ We give an earnings credit (on the average daily balance minus uncollected balance and minus reserve requirements).
Customer purchases checks.
See TISA disclosures for details. Other fees may apply. Fees subject to change without notice. Minimum opening deposit is only $50.
The earnings credit is set by the bank and is subject to change at the Bank's discretion.
To assist you in opening your new account, we may request the following:
Sole Proprietor/DBA
- SSN or TIN of owner
Limited Liability Company (LLC)
- TIN of LLC (IRS form SS-4)
- Articles of Organization (filed with NM Secretary of State)
- Operating Agreement
Partnership
- TIN of Partnership (IRS form SS-4)
- Partnership Agreement
- Certificate of Partnership
Not - For - Profit Organization
- TIN of Organization (IRS form SS-4)
- If incorporated, follow corporation guidelines
- If tax-exempt, IRS documentation or tax return
- Minutes from a meeting listing signatory parties
Corporation
- TIN of Corporation (IRS form SS-4)
- Articles of Incorporation (filed with NM Secretary of State)
- Minutes from most recent Board of Directors Meeting electing officers
Customers may be asked to complete a Certification of Beneficial Owner(s) form and provide valid identification.