18 banks and credit unions have branches in Rio Rancho. The Bank Fee Index holds published fees for 15 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New Mexico
Rio Rancho counts institutions with a branch here, wherever headquartered. New Mexico counts institutions headquartered in the state.
Rio Rancho
7 institutions with a branch here
$5
New Mexico
20 institutions headquartered in New Mexico
$10
U.S.
2,744 institutions in the index
$10
Chosen as the fee whose Rio Rancho median sits furthest from New Mexico's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Rio Rancho with New Mexico and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $10 to $36.
Median published overdraft fee
Rio Rancho
13 institutions with a branch here
$29
New Mexico
20 institutions headquartered in New Mexico
$30
U.S.
2,605 institutions in the index
$30
Rio Rancho covers every institution with a branch here, wherever it is headquartered. New Mexico covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
18 institutions, 13 with a published overdraft fee.
Bank · based in Kansas City, MO · 2 branches here
Account not yet known
“Overdraft Charge 5 | $36.00 per item”
Credit union, membership rules apply · based in Los Alamos, NM · 2 branches here
Account not yet known
“may overdraft an account and result in multiple fees. $25.00”
Credit union, membership rules apply · based in Albuquerque, NM · 2 branches here
Account not yet known
“balance, your account will be assessed the overdraft fee of $29 according”
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Charlotte, NC · 1 branch here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Cincinnati, OH · 1 branch here
Account not yet known
“• U.S. Bank will charge an Overdraft Paid Fee of $36.00 for each overdraft item we pay on your behalf. Whether we”
Bank · based in Tulsa, OK · 1 branch here
Account not yet known
“Overdraft Fee - $36.00 per item1”
Bank · based in Seattle, WA · 1 branch here
Account not yet known
“Insufficient Funds Charge (Paid) | $30 Per Presentment§”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Chicago, IL · 1 branch here
Largest banks by local bank deposits
Share of the $1.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Sandoval County
Deposits and branches cover the City of Rio Rancho. Population and income cover Sandoval County, the county with most of Rio Rancho's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Sandoval County.
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