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Reality CheckingTM and the Sandia Area Mastercard 

It's Time to Claim Your Financial Independence


Are you 16 - 25 years young and ready to claim your financial independence? Reality Checking™ and the Sandia Area Mastercard are the perfect account pairing to help smooth the transition into the realities of adulthood.

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Sandia Area Debit Card Sandia Area Mastercard


Reality Checking offers free features, and zero monthly fees. And the Sandia Area Mastercard is a simple, convenient way to build your credit and tackle unforeseen expenses.

Reality Checking Features

  • $0 minimum balance required
  • $0 monthly fee 
  • $0 check fee
  • UNLIMITED transactions
  • Dual Checking and Savings accounts
  • 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

Sandia Area Mastercard Features

  • $0 annual fee
  • $0 balance transfer fee
  • $0 cash advance fee
  • Identify theft resolution services
  • Low rates
  • Extended warranty protection on purchased items

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 and Mastercard credit card subject to qualification. Sandia Area Membership is required.

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