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Change Up The Way You Bank

It Just Makes Cents

We're stepping up our better banking promise — adding more perks to our FREE checking account. Now, you can:

  • Get paid up to two days early!
  • Round up the change on all your debit card purchases to savings or as a donation to charity.

Open My Checking Account

Early Direct Deposit

Change Up Your Deposit

Get paid up to two days early when you move your direct deposit to your Sandia Area checking account.1

Change Up My Deposit


Change Up Your Purchases

Enroll in ChangeUp, and round up all your Sandia Area Mastercard® Debit Card purchases to one of your accounts, or as a donation to a charity that supports our environment or community.2

Enroll In ChangeUp

Sandia Area is the best choice for your finances. Why? Because we put you first by...

...Providing better, affordable banking for everyone

...Making our communities stronger

...Setting you, our members, up for the best financial future

Additional Sandia Area Checking Account Benefits

Online and Mobile Banking

Manage all of your banking needs from wherever you are.

  • Mobile Check Deposit
  • Bill Pay
  • Zelle®
  • eStatements
  • Budgeting and Savings tools

Overdraft Protection

Be able to have your bills covered, even if the funds aren't there.

  • Pay no fees from overdraft transfers from your savings accounts to cover ACH, Sharedraft or Debit Card transactions
  • Pay no overdraft fee for debit card transactions that are $5 or less

Dividend Earnings

Get higher dividend earnings with the Dividend Checking Account, share accounts, and share certificates.

Access to Low Loan Rates

Get access to some of the best rates in the market for vehicle loans, home loans, personal loans, and credit cards.


Have access to 30,000 Free Nationwide ATMs with the CUAnytime network.


1. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. 2. Upon enrollment, we will round up your MasterCard® debit card purchases to the nearest dollar and transfer the difference from your checking account to your savings account. We may cancel or modify Change Up at any time without prior notice.

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