Home > Policies & Disclosures - Sandia Area

Policies & Disclosures


Account Terms and Disclosures


Electronic Funds Transfer Policy 

Funds Availability Policy

Fee Schedule

Membership Account Agreement

Privacy Policy


USA Patriot Act



Loan Extension Disclosures


Credit Cards 

Card Disclosures 

Business Card Agreement

Business Card Addendum


Benefits Guides

Mastercard™ Benefits 

Mastercard™ Traditional

Mastercard™ World Rewards

Consumer Debit Card

Consumer Guide to Travel Accident & Baggage Delay Benefits

Business Debit and Credit Card Guide to Benefits

Commercial Guide to Travel Accident & Baggage Delay Benefits


Online and Social Media


eStatements and eNotices Agreement

Online and Mobile Banking Agreement

Online Social Media Policies and Guidelines

Website Disclaimer, Terms and Conditions


Giveaway and Contest Rules

Social Media Giveaways 

Opt in or out of Courtesy Pay +

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