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Reality CheckingTM

Claim your financial independence.

Designed to help teens and individuals age 16-25 claim their financial independence. Reality CheckingTM is the perfect account solution to help young adults transition into the realities of adulthood. Plus, there is more free stuff with this account than you’ll find at the Humongous Bank!  Not to mention, there is no monthly fee! 

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  • Dual Checking and Savings accounts
  • NO monthly fee, NO per check fee and UNLIMITED transactions
  • NO minimum balance required
  • Oops NSF Fee Refunds (up to four items per year upon request)
  • Person-to-Person Payments (P2P)
  • Mobile Check Deposit
  • Budgeting and Financial Management tools
  • Eligible to apply for a Sandia Area MasterCard® Credit Card
  • Significant discounts off a car loan

Free stuff

  • FREE Mobile Banking
  • FREE Online Banking
  • FREE Check Card
  • FREE access to over 30,000 no-cost ATMs worldwide

What you need

  • Account holders 16 and 17 years old require a parent sponsor
  • Members under 21 may require a joint applicant (a parent or guardian) for your credit card
  • $30 ($5 for your primary membership account and $25 for your Reality Checking account)
  • Sign up for eStatements and Online Banking, order your Check Card and your Sandia Area Mastercard®

Checking accounts subject to qualification. Sandia Area Membership is required.

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