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- Routing Number: 102202078
- Citizens Bank P2P
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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.
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Service Fees
Account Activity
Overdrawn Account Fee
• $32.00 (created by check, in person withdrawal, ATM withdrawal, or electronic means)
Overdraft Return Fee
• $32.00 (created by check, in person withdrawal, ATM withdrawal, or electronic means)
Continuous Day Overdrawn Account Fee
• $5.00 (per day, after the 5th business day)
Dormant Account Fee
• $15.00 per month
Excess Activity Fee (Savings & Market Interest Savings Accounts)
• $10.00 per item
Charge Back item
• $5.00 per item
IRA Excess Withdrawal Fee
• $25.00
IRA Transfer Fee
• $25.00
Account Verification
• $10.00
Foreign Currency Purchase
• $30.00
Foreign Currency Return
• $30.00
Electronic Services
ATM Transaction Fees
• Bank-owned ATMs: No Charge
P2P
• $2.00
ACH or Internal Transfer Set-up Fee
• $5.00
Originated Unauthorized Debit Fee
• $10.00
Customer Services
Special Statement
• $5.00
Research
• $35 per hour (1 hour minimum)
Photocopies / Fax
• $2.00 per page
Stop Payment
• $32.00
Account Reconciliation
• $30.00 per hour
Small Zipper Bag
• $5.00
Large Zipper Bag
• $5.00
Locking Night Deposit Bag
• $30.00
Collection Item - Customer
• $20.00 (plus overnight postage)
Cashier's Check - Customer
• $5.00
Counter Checks
• $1.00
Wire Transfers
• Outgoing - Domestic - $20.00
• Outgoing - International - $50.00
• Incoming - $8.00
Commercial Services
Online Business Solutions
• $25 Set-up / $35 per month
Sweep Account Fee
• $80 per month
General Services
Tax Levy Set-up
• $75.00
Garnishment Set-up
• $75.00
Safe Deposit Fees (plus applicable Gross Receipts Tax)
• 2X5 - $20.00
• 3X5 - $25.00
• 4X5 - $30.00
• 5X5 - $35.00
• 3X10 - $40.00
• 5X10 - $50.00
• 10X10 - $75.00
• 10X15 - $115.00
• Lost Key - $30.00
• Drill Fee - $300.00
• Key Deposit Fee (Two Keys) - $30.00
• Safe Deposit Box Late Fee (60 days) - $5.00
Card Services
Debit Card Replacement Fee
• $10.00 per card
Foreign Transaction Fee - Debit Card (International)
• 2%
If you are a high-risk business as deemed by FinCEN, other fees may apply. Please contact your banker to discuss those fees. *Fees subject to change without notice - Effective 2/1/2020