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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

*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.)

Re-order Checks

Visa Check Card

The Visa Check Card looks like a credit card, works like a check and is attached to checking accounts. You can use your VISA Check Card anywhere that VISA is accepted. With this card you will receive a Personal Identification Number (PIN) known only to you. By running your card through the terminal and inputting your PIN, your checking accounts is automatically debited for your purchase. It can also be used at any ATM to make cash withdrawals.

Overdraft Protection

With Overdraft Protection set up to use on your White Sands Federal Credit Union checking accounts, you can be worry free knowing that you will be covered if an unexpected circumstance may arise. When checking accounts are overdrawn, Overdraft Protection will automatically transfer funds from either your savings account or an established Easy Access Line of Credit. This service is not automatic, so please talk to a Member Service Representative today to start receiving the great benefits Overdraft Protection has to offer.

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%



Contact our Call Center at
(575) 647-4500 or (800) 658-9933.

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

By email:

By mail: P.O. Box 99 Las Cruces, NM 88004

2755 North Main St, Las Cruces NM 88001

Routing & Transit # 312276470

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.

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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.