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Checking Accounts

Checking Account Choices

 Monthly FeeAvg. Daily Balance to Avoid Monthly FeeDividends PaidAvg. Daily Balance to Earn Dividends
Premium Checking powered by BaZing® $7 NA No NA
EZ Checking $3 $1000 NoNA
First Checking (Teens ages 13 - 17)* none none No N/A
Preferred Checking $5 $1000 Yes $1000
Silver Class Checking (ages 55+)** $2 $1000 Yes $1000

White Sands FCU Checking Accounts feature:

  • Unlimited monthly check writing
  • ATM access
  • Overdraft Protection
  • Visa Check Card
  • E-Statements
  • CU Online
  • Bill Pay***
  • Direct Deposit

Checking Dividend Rates

APY: Annual Percentage Yield, based on compounded rate
Dividend RateAnnual Percentage Yield
Easy Checking0.00%0.00%
Premium Checking powered by BaZing®0.00%0.00%
First Checking0.00%0.00%
Preferred Checking0.05%0.05%
Silver Class0.05%0.05%

*First Checking requires co-ownership of parent or guardian
**Silver Class style checks available at half the price of custom style checks (other check prices may vary.)
*** Bill Pay service fee of $3.75 per month

Contact Us

Call Center:
(575) 647-4500 or

(800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

Mailing Address:
P.O. Box 99
Las Cruces, NM 88004

Routing & Transit # 312276470

Federally Insured by NCUA

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.

Equal Housing Lender

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Federally Insured by NCUA  Equal Opportunity Lender  Facebook

White Sands Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with the WCAG 2.0 standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other assistive technology and are encountering problems using this website, please contact us at 575-647-4500 or 1-800-658-9933. Please provide the location of the inaccessible information. All products and services available on this website are available at all White Sands Credit Union branch locations.

Tax Solutions and Savings for Members