25 banks and credit unions have branches in the Las Cruces metro area. The Bank Fee Index holds published fees for 17 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New Mexico
Las Cruces metro counts institutions with a branch here, wherever headquartered. New Mexico counts institutions headquartered in the state.
Las Cruces metro
9 institutions with a branch here
$3
New Mexico
13 institutions headquartered in New Mexico
$1.50
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Las Cruces metro median sits furthest from New Mexico's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Las Cruces metro 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
Las Cruces metro
12 institutions with a branch here
$32
New Mexico
20 institutions headquartered in New Mexico
$30
U.S.
2,605 institutions in the index
$30
Las Cruces metro 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.
25 institutions, 12 with a published overdraft fee.
Bank · based in Las Cruces, NM · 6 branches here
Bank · based in Sioux Falls, SD · 5 branches 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”
Credit union, membership rules apply · based in Albuquerque, NM · 4 branches here
Account not yet known
“balance, your account will be assessed the overdraft fee of $29 according”
Bank · based in Artesia, NM · 3 branches here
Bank · based in Roswell, NM · 3 branches here
Account not yet known
“Overdraft Fee (per presented item) | $35.00”
Bank · based in Las Cruces, NM · 3 branches here
Bank · based in Chicago, IL · 3 branches here
Bank · based in Killeen, TX · 3 branches here
Credit union, membership rules apply · based in El Paso, TX · 3 branches here
Account not yet known
“Courtesy Pay Fee … $32.00 ea.”
Bank · based in Cincinnati, OH · 2 branches 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”
Largest banks by local bank deposits
Share of the $3.3 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
Metro context: the Las Cruces metro's counties
Deposits and branches cover the Las Cruces metro. Population and income cover the metro's counties. 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 the metro's counties.
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