Perks® Plus Dividend Checking
Earn dividends while saving up to $1,500 a year1 on everyday purchases you’re already making—our most rewarding checking option.
Personal Checking Accounts
A checking account that works
as hard as you do.
Your money deserves more than a place to sit—it deserves a checking account that supports your day‑to‑day needs and your financial well‑being. Our checking accounts are designed with New Mexicans in mind, combining convenience, flexibility, and local care.
Personal Checking Account Options
Perks® Checking
Save up to $1,300 a year1 on everyday spending with built‑in perks that help your money go further, without the higher balance requirements.
Life Essentials® Checking
A not‑so‑basic checking account designed for everyday life—simple, reliable, and packed with the essentials you need to manage your money with confidence.2
FlexChecking
A fresh start checking account that gives you access to the tools you need, even if your checking history isn’t perfect.
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Perks® Plus Dividend Checking Apply Now | Perks® Checking Apply Now | Life Essentials® Checking Apply Now | Flexchecking Apply Now |
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| Cashback Debit Card³ |
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| Debit Card |
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| 30,000 free ATM⁴ |
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| Early PayDay⁵ |
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| Free Digital Banking and eStatements⁶ |
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| Local Savings with BaZing⁷ |
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| FREE ID Theft Aid⁸ |
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| Mobile Phone Protection⁸ |
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| Roadside Assistance⁸ |
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| URCovered® Overdraft Protection⁹ |
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| Billshark⁸ |
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| Pet Insurance⁸ |
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| Monthly Fee | $10 monthly fee waived with monthly average balance of $5,000 or more. | $7.50 per month. | $5 monthly fee waived with e-statements, or if the primary account holder is under 18 or over 65. | $5 monthly fee. |
| Minimum Opening Deposit | $25 | $25 | $25 | $25 |
BankOn Burque
U.S. Eagle is proudly certified by Cities For Financial Empowerment Fund with FlexChecking as part of the Bank On platform. We support local banking access efforts to ensure everyone has a safe and affordable banking account available to them.
Learn More
Must qualify for U.S. Eagle membership including $5 share deposit. $25 minimum deposit required to open checking account.
1 Average savings calculated on historical data compiled by StrategyCorps/Bazing. Individual results may vary.
2For the Life Essentials® Checking, if account holder is under 18 years old, a parent or legal guardian must also be on the account.
3Cashback Debit Card ATM transactions do not qualify for cashback, only signature-based purchase transactions (learn more at useagle.org/cashback). Eligibility is restricted to individuals who have a statement address within the 50 United States, the District of Columbia or any U.S. Possession or Territory. All cashback options automatically default to an annual deposit before end of current, or first day of following, year into member share account. Cashback also available for on-demand redemption through your Digital Banking account. Minimum cashback redemption amount of $5 required. See U.S. Eagle for details.
4Surcharge Free ATMs Must use one of over 30,000 ATMs in CUAnytime® Network to avoid surcharge fees. Surcharge fees may be charged by other financial services provider networks and independently held ATMs.
5Early PayDay Direct deposit enrollment required. Once enrolled, member may receive payroll deposits up to two days prior to their scheduled payroll date. There is no additional fee for this service.
624/7 Digital Banking Services. Your wireless service provider may charge data fees.
7Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and may choose to limit deals.
8Cell phone protection, personal identity theft benefit, and buyer’s protection and extended warranty are subject to additional terms and conditions. Cell phone protection, personal identity theft benefit, and buyer’s protection and extended warranty are subject to additional terms and conditions. Insurance products are: NOT A DEPOSIT, NOT FEDERALLY INSURED, NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.
*The BaZing information in the benefits reference guide is designed to assist eligible account holders. If there is any conflict between the information in this document and the full terms and conditions outlined in the applicable Guide to Benefits or on the BaZing.com website, the full terms and conditions will control in all respects.
9URCovered® Terms and conditions apply. A discretionary service, not an obligation, for U.S. Eagle Checking members in good standing. Automatic enrollment upon checking account opening for memberships of at least five years and after 90 days for memberships of less than five years. Separate enrollment required for ATM and debit card use. No fee for URCovered® service or per overdraft. Member required to bring account current within 45 days. Not available for all checking account types (Business Checking, Life Essentials® and FlexChecking are not eligible for URCovered®).