Frequently Asked Banking Questions


Q: How do I set up Direct Deposit of my Social Security check?
A: After your Carlsbad National Bank checking application has been approved, you will receive Carlsbad National Bank's routing and transit numbers along with your account number. Simply call 1-800-772-1213 and have your Social Security Number and account information available to set up your direct deposit right over the phone.

Q: How do I set up Direct Deposit of my payroll check?
A: After your checking application has been approved, you will receive Carlsbad National Bank's routing and transit number along with your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources - payroll department at your company, and your direct deposit will usually begin within thirty days.

Q: Can I get information about my account by phone?
A: Yes! Carlsbad National Bank has two ways of serving you by phone. By calling 1-575-234-2500 Monday thru Friday, 8:00am-5:00pm Mountain Standard Time, you can speak with a customer service representative who will be happy to review your account with you and answer your questions. Also, after hours, or during banking hours by request, you can reach our automated voice response system at 1-575-234-2525. All you need is a touch-tone phone, your account number, and your personal identification number (PIN). The first time you use Touch-Tone Banking, you will be instructed on how to select you PIN.

Q: Are there any fees associated with accounts at the Carlsbad National Bank?
A: The Carlsbad National Bank offers a variety of checking and savings account products, both with and without monthly maintenance fees, to fit your individual needs. We offer free Senior Checking to anyone over the age of 55 in addition to our limited service Free Checking product. For more detail, check our Products and Services page.

Q: Can businesses have accounts at Carlsbad National Bank?
A: The Carlsbad National Bank offers small businesses a business checking account with 100 or less items at a low maintenance fee. All other businesses are service charged by account analysis. For more detail, check our Products & Services page.

Q: Is there any interest paid on Carlsbad National Bank checking accounts?
A: Yes! Our Interest Checking account pays a competitive rate of interest on balances over $1000.

Q: How would I go about canceling my account?
A: We hope you stay with us, but just in case, we make it very simple to cancel your Carlsbad National Bank checking account. Please call 1-575-234-2536 and speak with a customer service representative who will be happy to assist you in closing your account. Accounts closed within 90 days will be assessed a fee of $20.00.

Q: Are wire transfers possible to and from my Carlsbad National Bank checking account?
A: Yes! Funds can be transferred to and from the Carlsbad National Bank accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call our wire transfer department for details at 1-575-234-2557.

Q: Does Carlsbad National Bank offer Certificates of Deposits?
A: Carlsbad national Bank offers a variety of Certificates of Deposits with competitive interest rates ranging between 60 days to 60 months.

Q: Does Carlsbad National Bank offer IRAs online?
A: Yes! Carlsbad National Bank offers a variety of IRAs for your future financial security and will keep you in touch with all the new rules and regulations. We will also take care of all the details of transferring your account to our bank.

Q: How long does it take to get an ATM card?
A: Immediately, upon request each account is issued a free ATM card with free access on Carlsbad National Bank ATMs.

Q: Does Carlsbad National Bank offer a VISA check card?
A: Yes! Carlsbad National Bank's customers may apply for a VISA Check Card online or in person.

Q: Does Carlsbad National Bank make loans?
A: Yes! We make Consumer, Commercial, Home Equity, and Real Estate loans.

Q: Does Carlsbad National Bank offer Trust Services?
A: Yes! We have a full-service trust department that offers a variety of Trust and Financial Planning Services to meet both your personal and business needs.