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SCAM ALERT: Sandia Area members are continuing to report fraudulent phone calls and text messages from people claiming to be Sandia Area member representatives. This includes spoofed phone numbers which appear to originate from Sandia Area. Please be aware that Sandia Area will NEVER initiate a phone call or text message asking for your online banking credentials or to request a transfer of funds. Learn more ► 

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.


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

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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