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Reality Checking

Free and unrestricted. Like you.

Reality Checking

Free and unrestricted. Like you.

Claim your financial independence with Reality Checking

Open your account online ►

Designed to help individuals age 16-25 claim their financial independence. Reality Checking 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!


  • 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)
  • 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 eStatements, eNotices and eLerts
  • FREE Check Card
  • FREE access to over 30,000 no-cost ATMs worldwide
  • $10 iTunes® eCertificate1

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®
  • Visit any branch location today

1 iTunes is a registered trademark of Apple. Please see our Funds Availability Policy for new accounts

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