Your Online FAQs Answered
Online Banking provides a wide range of personal image photos to choose from. Feel free to browse the selection to find one that is meaningful to you. You may also add a custom photo as your security photo by going to the “settings” menu located in the upper right-hand corner menu. You will then select the “Edit” option under “Profile Image.” You will then select “Upload Image” and follow the on-screen prompts in order to upload your custom photo. Further, you can provide a unique “name” for your photo. These photos are specially programmed to provide the security information needed to authenticate your Online Banking session.
Yes. For our Quicken users, we offer Quicken Web Connect and Express Web Connect, which allows the receiving of data.
Here are some of the easy ways you can organize your personal finances by choosing to use Web Connect or Express Web Connect:
No manual data entry- Once you're set-up, you can download all your transactions right in to Quicken- instead of typing them by hand.
Automatically reconcile data- Web Connect data includes complete transaction and balance information to make categorization and account reconciliation easy.
No duplicate transactions- Web Connect incorporates a special transaction- matching algorithm that prevents the download of duplicate transactions.
Easier to use- Web Connect files may be automatically opened by Quicken from Online Banking, which eliminates the need for you to search for files that have to be downloaded.
Automatic account set-up- Simply initiate a download to Quicken from Online Banking and Quicken sets up your accounts for you- with your data already up-to-date.
Please note: we do not provide support for third-party software.
You can log into your Online Banking from our website homepage. If you experience any issues logging in, please give us a call and we can help.
Enrolling is easy. Just click the "Registration" link on the home page in the Online Banking dropdown and follow the instructions.
For our online services we recommend that you use one of the following browsers:
- Chrome 29 and above
- Firefox 23 and above
- Internet Explorer 8 and above
- Internet Explorer 6 and below are no longer compatible
- Safari 6 and above
If you forget your password, simply click the “Forgot Your Password?” link on the page that prompts you for your password. The system will then guide you through a few easy steps.
If you forgot your User ID, please call the Member Service Center at (505) 292-6343 ext.5, or (800) 228-4031 ext.5.
If you forget the answers to your security questions, please call the Member Service Center at (505) 292-6343 ext.5, or (800) 228-4031 ext.5.
Your User ID should be a unique set of characters that only you know. New users will establish a unique User ID when they enroll.
Call 505-292-6343 and we will be happy to assist.
Online Banking comes with state-of-the-art security. Some you’ll notice and some are behind the scenes. The open-field security questions provide a more secure Online Banking experience. Periodically, you will be asked to change your questions and answers to help protect you while you are online.
Of course! Viewing past bill payments and scheduling future payments is one of the most powerful features of Mobile Banking. You'll be able to see any payments that you previously scheduled through Online Banking and schedule payments to any existing payees. You cannot, however, set up NEW payees in Mobile Banking.
Yes, you can sign on to your accounts from any smartphone and can download an appropriate app for your iPhone or Droid for more mobile services.
If you ever lose your phone, log on to the Internet-version of Online Banking and change your password immediately. If you don't have easy access to the Internet, you can call us at for assistance in changing your password. Please monitor your accounts closely and notify us immediately if you believe that unauthorized transactions have occurred. Make sure to also report the loss of your phone to your mobile provider as soon as possible and ask them to disable the old phone. Once you have a new phone, simply logon as you did before using your new credentials.
First you must have a Sandia Area account and Online Banking Access. Then Logon to Online Banking and select “Mobile Banking” from the Quick Links menu, and enable Mobile Banking. Then it is up to you (and your phone) to determine which of the following methods are right for you.
Access Online Banking and Online Bill Pay from your browser-based mobile device without the need to download an app. Simply go to www.sandia.org and enter your Online Banking User ID and password.
Visit the Apple iTunes store from the iPhone. Click “Install.” Once the app is installed, select it. Enter your Online Banking User ID and password.
Visit the Droid Market from the phone. Click “Install.” Once the app is installed, select it. Enter your Online Banking User ID and password.
Mobile Banking is an extension of Online Banking and Online Bill Pay for your smart phone. All you need is a Sandia Area account, Online Banking access and a compatible smartphone. You can choose to access Mobile Banking a variety of ways depending on your phone and your needs. Access via our “Mobile Browser,” or from a downloadable App. Once in, Mobile Banking will allow you to perform most of the same important functions that you conduct online today through the Internet-version of Online Banking.
Absolutely - Mobile Banking is just as secure as our Internet-based service. Anything you do while logged on to Mobile Banking is encrypted by industry-standard SSL encryption preventing cell phone "scanning" or other attempts to eaves-drop. The integrated secure message system is further protected from spamming, spoofing or phishing.
Online Bill Pay
From the “Scheduled” tab within the Bill Pay widget page, you can delete payments that you scheduled earlier in this online session or in a previous session.
To delete a payment, click on the "Edit" link next to the payment that you want to delete. A dialog box will appear asking you if you are sure you want to delete the payment. If you wish to continue, click on the "Yes” button. If you do not wish to continue deleting the payment, click on the “No” button. If you selected a Recurring payment, you can choose to delete the series or edit the series and select which payment dates you would like to skip. A couple of exceptions apply:
If you submitted a payment and the Send On date was today, you may only delete that payment during the session that you submitted it.
To stop payment on a bill payment check that has not cleared, you can also call Sandia Area at 505-292-6343 x 5 or 1-800-228-4031 x 5 (Mon - Fri 9:00-5:00, Sat 9:00-1:00 Mountain Time). Please do not make these types of requests via e-mail, since timing may be critical to our ability to stop the payment.
Yes. However, we do not provide support for third-party software. Your best bet is to use Online Bill Pay within Sandia Area’s Online Banking site.
Here are some helpful hints:
- Maintain your payee information by comparing once or twice a year to your most current bill. This will assure that we are sending the payment to the most current address and account number.
- If your payee notifies you of a payee or billing address change, please update your payee information in Online Bill Pay.
- Do not mask your account number by replacing digits with “x”s or by adding extra information. We may not be able to submit your payment electronically if the account number entered does not match the number on your bill. Examples of these types of account numbers: “XXX-XXXX-XXX-1234” or “213 555 1212 1234 – work phone”. When necessary, you can use the “Nick Name” feature in each payee record to further identify similar payees.
To view your pending payments click on the “Scheduled” tab in the Bill Pay widget. The view processed payments click on the “History” tab within the Bill Pay widget.
It’s easy - there are no forms to complete and no paperwork. Once you are logged into Online Banking, click on the Online Bill Pay link on the top. The first time you click on that link, an enrollment screen will be displayed. Just agree to the terms and conditions and you can begin adding payees and making payments immediately.
First, click on the "Bill Pay" tab. Payments can be scheduled using either the “Quick Pay,” “Multi Pay,” or “Classic Pay” view.
If multiple funding accounts are available, select the account from which you would like the payment(s) to be made. If you wish to fund either one-time or recurring Payments from an eligible account other than your primary [default] account, select a different funding account from the dropdown menu. If you would like to make multiple payments using multiple funding accounts, you will need to make payments using the “Multi Pay” view.
Scheduling a one-time payment can be done from any of the three payment views- “Quick Pay,” Multi Pay,” and “Classic Pay.” Each view is slightly different; however the end result is the same.
Quick Pay-To schedule a one-time payment, find the payee you wish to pay and enter the amount of the payment. Select the account you would like the funds to withdrawn from, which is referred to as the From Account. Next, select the date you wish the payment to arrive, referred to as the Deliver By date. To change the Deliver By date, click on the date on the calendar.
Multi Pay- To schedule multiple, one-time payments within one screen the “Multi Pay” view is recommended. Find the payee you wish to pay. Next, select the account the payment will be withdrawn from, referred to as the From Account. Then, enter the amount of the payment. Finally, select the date you wish the payment to arrive, referred to as the Deliver By date. To change the Deliver By date, click on the calendar or simply enter a new date.
Classic Pay- To schedule a one-time payment, select the payee you wish to pay from the dropdown menu. Next, select the account you wish the payment to be withdrawn from. Unlike the other payment views, “Classic Pay” allows you to categorize your payment by selecting an option from the dropdown menu. You will then enter the amount you wish to pay, followed by the frequency. Here, you can choose to submit the payment once, weekly, every 2 weeks, monthly, quarterly, or annually. Then, select your Deliver By date. Lastly, you have the option to enter notes to yourself about your payments in the Memo field, which is available in the “Classic View.” Memos will not be sent to the payment recipient but are saved with the payment in the bill pay application for your future reference.
Scheduling payments using the Calendar
When using the calendar scheduling icon, roll your cursor over the date that you want the payment to be delivered. This is called the “Deliver By” date on our bill payment service.. You can select a “Deliver By” date on any day of the week, including weekends. Selecting a deliver by date will close the calendar window.
You can enter notes to yourself about your payments in the Memo field, which is available in the “Classic View.” Memos will not be sent to the payment recipient but are saved with the payment in the bill pay application for your future reference.
Detail Payee Information
To access detailed information about any of your payees, click on the Payee tab within the Bill Pay widget. Once in the Payees tab, click on the payee name to view specific payee information. The Payee Information Window will then appear and provide you with a summary of your payee information, including the address, account number, category (if one has been assigned), scheduled payments, and recent payment activity. To edit detailed information about the payee, click the “Edit Payee " icon, which is located in the upper right-hand corner of the Payee Information Window. To delete a payee, select the Delete Payee icon.
Setting up automatic Recurring Payments makes paying bills with fixed amounts, such as mortgages, auto loans, and day care payments a snap. To schedule a recurring payment, select the payee, account, category, and amount. Next, select the frequency with which you would like the payment to be delivered (for example weekly or monthly). Next, select the starting date.
You will then need to select one of the End Date options:
You may choose to include a payment memo (this is optional).
Finally, click “Submit Payment.”
Online Bill Pay is FREE for your first 10 payments each month. Then it is just 50 cents per each additional transaction.
When you get on to Online Bill Pay for the first time, you must add payees before you can schedule payments. Don’t worry, if your payee is not listed, it is easy to add one. When setting up your payees, please make sure that the information is obtained from the most current bill received. This will avoid any processing delays, which are often caused by an old or incorrect account number or an incorrect mailing address.
Recurring payments can be setup for payments that are processed on a fixed frequency for a fix amount. The recurring payment setup will allow you to select the payee, amount, frequency and number of payments to be processed (or indefinite). Once the recurring setup has ended, the system will alert you via an e-mail.
Online Bill Pay allows you to pay bills or make other payments from your checking account using the Internet. Payments can be scheduled 24 hours a day, 7 days a week, from anywhere in the world. If you can access the World Wide Web, you can use Online Bill Pay.
You must have a checking account at Sandia Area Federal Credit Union, an Internet Browser that meets our minimum requirements (e.g., a. Windows MS Internet Explorer 8 or above, Windows Firefox 23 or above, or Macintosh Safari 6.0 and above), and Internet access to use the service.
The Online Bill Pay cutoff time is 11:00 AM Mountain. Anything setup after this time will be scheduled for the next day. Payments are not sent on Sundays or holidays.
We cannot guarantee payments to the following payees:
- Payments to payees outside of the United States
- Court-ordered payments such as alimony, child support, speeding tickets, etc.
- Tax entities
- Collection agencies
eStatements and eNotices
Accessing eStatements and eNotices requires the use of the following equipment/accessibility:
- Valid, active email address
- Personal computer or Mac
- Printer capability to print your statement or notice
- Adobe Reader installed on your computer
You may have a pop-up blocker installed that needs to be disabled in order to view eStatements. If you have installed Windows XP Service Pack 2, this Service Pack updates Internet Explorer with a built-in pop-up blocker that is turned on by default. To turn it off, click on Tools in the menu bar, then select Pop-up Blocker, then select Turn Off Pop-up Blocker. You should then be able to open your eStatement. After you have viewed your eStatement you can turn the pop-up blocker back on if you wish.
No. It is not necessary to have Online Banking or Bill Payment to register for eStatements. You must have a valid email address to register and use the service.
However, for your convenience, we have a single sign-on portal inside Online Banking that will easily bring up your electronic statement. That means you only have to remember one User ID, password and security credentials.
Registering is easy. For the primary account holder, click the "Register" button on the sign on page and then simply type in your social security number, date of birth, and account number. It is extremely important that you follow the format listed for each of these fields. Also, you will be asked to provide a valid email address so that you can be notified when your eStatements are available.
Most registration errors are a result of formatting. First check to make sure that you have provided your information in the appropriate format specified for each field. Also make sure that you are providing the information for the primary account holder, not the secondary account holder, if you have two names on the account. If you still experience challenges registering, please contact the credit union at 505-292-6343 ext 5 or toll free at 1-800-228-4031 ext. 5.
Once you've completed the registration process you will receive an email confirming your successful registration.
You will receive an email notification whenever a new statement is available for viewing. If the statement is not viewed within a certain time frame, a reminder email will be sent as a follow up.
You can print your statements if you have a printer. You can also save them to your hard drive, CD or thumb drive.
eStatements and eNotices will generally remain available for viewing for 18 months after they have been posted.
Go to the sign on page for the eStatements and click on the link "Forgot your user name and/or password?" Once there, the system will prompt you to provide additional information and will then email the password to you at the email account you used during registration.
You can change your password at any time by selecting "Account Settings", and then choosing "Change Your Password" once you have logged in.
You must register each account number individually.
You can provide your new email address for eStatement notification by selecting "Account Settings" and then choosing "Email Address." It is your responsibility to make sure we have a current e-mail address.
Recent changes to your operating system software such as upgrades, downloads, and/or system enhancements can affect your computer's ability to connect with secure sites, including our eStatement site. We recommend trying the following steps:
- Verify that you are current on all computer updates. In Windows, from the Start menu, click on Windows Update, and download recommended updates and patches, then shut down and restart the computer. In a Mac, click on the apple in the upper left hand corner and select updates.
- Un-install and re-install Adobe Acrobat Reader.
- Ensure that you are using the most up to date version of your browser.
- Some pop-up blocker and firewall programs may prevent access to eStatements. If you utilize these types of applications, you may need to disable certain features of the programs in order to access your eStatements.
One of the following browsers with 128-bit encryption is required:
- Internet Explorer 8 and above
- Firefox 23 and above
- Safari 6.0 and above
- Chrome 29 and above