Make the switch - It's easy!
It's YOUR money... MOVE it!TM
Say goodbye to your big bank and hello to Sandia Area with this EZ Switch Guide.
Switching to a better account doesn’t have to be a hassle. Here is a step-by-step guide to help you move your big bank checking account to Sandia Area. Follow these easy steps to make your switch!
Step 1 – Open your new Sandia Area account
We Recommend Reality Checking
You're between 16 — 25 years old, want financial independence, and a free account loaded with benefits.
We Recommend Premier Checking
Open your free, no-hassle account.
We Recommend Performance Checking
You want to earn interest, and don’t mind keeping a balance.
Based on your answers, we think Green Checking would be a great fit. See how ►
We Recommend Senior Performance Checking
You’re 50 or better, want a dividend, and no monthly account fees.
Earn Rewards for Everyday Purchases
Redeem your rewards for merchandise, airline tickets, cruises, hotel stays and more. With a Sandia Area Mastercard you'll enjoy.
- No annual fee
- No cash advance or balance transfer fees
- Identity theft resolution services
- Plus you'll get benefits that only come with a Mastercard
Sandia Area MasterCard
Convenience, worldwide acceptance and an everyday low rate.
- Low introductory offer
- No annual fee
- No balance transfer or cash advance fees
- Save when you transfer higher rate balances
On track and moving forward.
Get most of the same benefits and convenience of our other cards while building or rebuilding your credit history with every use.
- Your credit line is tied to the money in your savings - between $500 and $2,000.
- Make monthly payments on time and you will start to build or rebuild credit.
You've come to the right place!
We do auto loans fast, friendly, and at extremely low rates. All decisions are made here, not by someone at some corporate headquarters.
Serious riders come to Sandia Area for a great deal!
It doesn’t matter if you are a road warrior, a custom enthusiast, or a die-hard classics rider. If you’ve got a motorcycle in mind, we’ve got the financing.
If your idea of fun involves the open road, Sandia Area has the financing.
With an RV Loan from Sandia Area, you can affordably travel America's highways and byways, or even get off the beaten path. We can finance your new or used RV, trailer, camper, motor home, or other recreational vehicle. You'll get low rates, no application fees, plus much, much more.
Loans for whatever floats your boat.
With a marine equipment loan from Sandia Area, you'll spend less time worrying about monthly payments and more time having fun on the water.
Move your loan to Sandia Area & save BIG!
Is your vehicle financed elsewhere? Move your auto loan to Sandia Area for low rates that could help you save money every month and over the life of your loan. We've helped thousands of people save big money. Let us help you too.
Refinance the enthusiasm!
Don’t let the calling of the road get away because you can’t find the right motorcycle loan. Get more bang for your buck when you refinance your current motorcycle loan from another financial institution. You could lower your monthly payments and save thousands!
The open road is about to get less expensive.
We can refinance your new or used RV, trailer, camper, motor home, or other recreational vehicle. Lower your monthly payment and you could save thousands over the term of your loan.
Offshore refinancing...
Refinance your current boat, jet ski or other watercraft loan from another financial institution. You could lower your monthly payments and save thousands!
We have a home loan you can live with!
Our experienced, salaried Mortgage Specialists will find the best mortgage solution for your long-term goals. Our process is simple and you can get a fast decision.
Let's buy a house together!
Our experienced, salaried Mortgage Specialists will find the best mortgage solution for your long-term goals. Our process is simple and you can get a fast decision.
Refinance your mortgage and you could save!
Refinancing your mortgage with Sandia Area could mean a lower monthly payment or shorten your term to pay of your home loan faster. Whatever your need, we have a home loan you can live with!
The cash you need for the moments that matter.
A Home Equity Line of Credit from Sandia Area is the smart way to pay! Low rates, ongoing access to funds, and interest that is generally tax-deductible make it convenient and affordable!
The perfect loan for consolidating debt.
A Home Equity Loan from Sandia Area offers low rates and interest that is generally tax-deductible.
Establish now and borrow as the need arises.
With competitive rates and terms up to 36 months, your Readi-Cash Line of Credit offers the flexibility you need with affordable monthly payments. It is perfect for overdraft protection for your account.
Loans for whatever you need.
Whatever your personal needs—debt consolidation, college tuition, a vacation, laser eye surgery or anything in between, we can help with a Signature Loan. Our competitive rates and flexible terms put our signature loans within reach. You can use the loan for furniture, medical expenses, appliances, vacation, back-to-school needs, or virtually anything!
Step 2 – Enroll in Online and Mobile Banking.
Online and Mobile banking can help you manage your money and pay your bills on your computer, smartphone, or tablet. Having these services will help make it easier to track all direct deposits and automatic payments to/from your new Sandia Area account, as well as set up new recurring payments.
- Enroll in Online Banking ►
- Get the Mobile App ►
- Once you successfully log in, set up electronic statements and free Online Bill Pay.
Step 3 – Update your payroll and direct deposits.
Using the form below, provide any sources of direct deposits/automatic deposits. Direct deposit sources include:
- Employer payroll deposit
- Government deposit
- Retirement
- Brokerage/investment deposits
You will need the following information to make these changes:
- Sandia Area’s routing number is 307070047
- Sandia Area’s mailing address is PO Box 18044, Albuquerque, NM, 87185
- Your 10-digit account number. Identify the correct account number here ►
- You may need to include a voided check
If you receive Social Security benefits, you can set up Direct Deposit of your checks into your new Sandia Area account by visiting www.ssa.gov. To download the official government form for Direct Deposit for all other government benefits, go to www.treasury.gov.
The forms we are providing to you are generic. An employer/merchant may require a separate form or other documentation.
Step 4 – Identify your current transactions and automatic payments.
Identify all of your bill payments, transfers and deductions from your old account. You will need account numbers and addresses. Payments could include:
- Mortgage/rent
- Association fees
- Internet service
- Utilities: electric, gas, water, etc.
- Investments/insurance
- Club memberships
- Cable/satellite
- Credit cards/loans
Then, set up payments from your new checking account within online banking, and then cancel them from your old account.
If any companies take payments directly from your account or debit card, contact the company and set up a new form of payment. You can use the form below as a guide.
The forms we are providing to you are generic. An employer/merchant may require a separate form or other documentation.
Step 5 – Transfer your remaining balance to Sandia Area and close your old accounts
- Verify all remaining checks and payments have cleared.
- Destroy your old checks and your old ATM card.
- Use the Account Closure Form and tell your old bank(s) goodbye.
You may also benefit from these other great products and services:
- Transfer credit card balances to a new low-rate card.1
- Refinance your auto loan or mortgage.1
- Utilize your home’s equity for a loan.1
- Ask about our insurance, business services and investment options.
You're done!
Questions? Give us a call at 292-6343 ext. 5 or visit a neighborhood branch.
1 Loans Subject to credit approval. The forms we are providing to you are generic. An employer/merchant may require a separate form or other documentation.