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• Our lobbies at Citizens Bank will re-open on Monday, June 22, 2020 with regular business hours!
Please help us keep our lobbies open and maintain everyone’s safety by following these guidelines: • Face masks are required to enter all Citizens Bank locations • Please remain 6 feet apart and practice safe social distancing • Maximum occupancy levels are determined by the State of New Mexico and are subject to change. Please bear with us as we navigate and comply • Non-Citizens Bank customers, please use our Drive-up facilities • Restrooms will not be available for Public use. At this time, our Smith’s Branch will remain closed.
• If you are looking for information on PPP Loan forgiveness 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.
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Overdraft
Overdraft Fees: Are you "IN" or "OUT?"
Now, you have a choice. Regulations have changed for banks charging overdraft fees to consumer accounts. Find out what "Opting In" or "Opting Out" means for you.
"Opting In" means banks may authorize reasonable debit card transactions that take accounts to negative balances. If that happens, a fee may be charged. Opting In DOES allow important protections. This service allows you to get emergency cash or to make a purchase without the embarrassment of being declined.
"Opting Out" means your bank would not, under any circumstance, be able to authorize an ATM or debit card transaction that takes accounts to negative balances. If an account has insufficient funds, all ATM and debit transactions would be declined. No fee will be charged for a declined transaction.
For a fast, convenient way to Opt In / Opt Out:
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Download our Reg E Authorization form by clicking the download button below.
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Print the Reg E Authorization form.
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Complete, sign, and return the Reg E form to the branch nearest you.