Mastercard® Debit Card
Unlock More with Every Purchase—Effortless Banking, Anytime, Anywhere
The Sandia Area Debit Card is Your Key to Adventure
Whether you’re paying on the go or gearing up for a trip, our debit card offers both security and convenience at every turn. Say goodbye to cash and checks, and enjoy the freedom to shop anywhere with peace of mind. With access to over 30,000 ATMs nationwide and Zero Liability protection on unauthorized purchases, your Sandia Area debit card ensures you’re always ready for wherever life takes you.
Essential Features for Everyday Convenience:
- Compatible with Apple Pay for easy, contactless payments
- Shop confidently in-store, online, or by phone with enhanced security
- Accepted worldwide, wherever Mastercard® is used
- Overspent on your card? Don't stress! Opt in for Courtesy Pay and we've got you covered with overdraft protection1.
- Nationwide ATM Access. 24/7 access to cash at more than 30,000 Free ATMs nationwide. Plus, enjoy up to $25 a month in out of network ATM refunds2 with a Sandia Area Peak PLUS Checking Account
- Zero Liability protection for unauthorized purchases
Unlock the Power of A Sandia Area Peak PLUS Checking Account
Your debit card is the key to unlocking exclusive cash back and high-interest rewards with Peak PLUS Checking. From earning monthly rewards to getting paid early with direct deposit3, your checking account is designed to give you more as you spend and save. See how our checking account features can work for you.
Built-In Value with Every Transaction
Enjoy these exclusive Mastercard® Benefits!
Zero Liability Protection
Shop with confidence knowing you're protected from unauthorized purchases, making every transaction worry free.4
Identity Theft Resolution
If identity theft happens, we've got you covered. Get help with credit bureau notifications, card replacement, and access to an ID Theft Affidavit to protect your financial identity.5
Easy Savings Program
Save effortlessly with automatic rebates. Simply use your Sandia Area Mastercard at participating merchants, and watch the savings roll into your monthly statement—no coupons or codes needed!5
Priceless Experiences
Unlock unique experiences and exclusive offers at priceless.com. From luxurious spa treatments to one-of-a-kind shopping deals and family adventures, enjoy special discounts in cities worldwide.
Mastercard Global Service
Get 24/7 support no matter where you are. From lost or stolen card assistance to emergency cash advances, we’re here to keep you moving—day or night.5
MasterRental Insurance
Travel worry-free! Enjoy peace of mind with reimbursement for damages or theft of your rental vehicle when you pay with your Sandia Area Debit Mastercard®.5
Airport Concierge Service
Get VIP treatment at over 450 airports worldwide. Enjoy personalized Meet & Greet services and expedited security or customs for a smooth travel experience, 24/7/365.5
Ready to Take Your Spending to the Next Level?
Open a checking account to start using your Mastercard® Debit Card today and enjoy a better way of banking. With exclusive features, and no annual fee.
Stay Protected with Debit Card Lock and Travel Notices
Managing your card’s security is simple with Debit Card Lock. Block your card temporarily on your Mobile Banking app if it’s misplaced, and unlock it when found. Going out of town? Submit a travel notice in advance to ensure uninterrupted card swipes while you're away. Watch the videos to learn more.
Important Numbers
Card Activation |
Report a Lost or Stolen Card |
|
800.543.5073 (to activate) |
800.543.5073 |
Federally insured by the NCUA. Membership eligibility required. Visit Sandia.org/Membership for complete details. Checking accounts subject to qualification and may require an opening balance. Advertised information and rewards are based on all account qualifications being met during each cycle period. Please refer to the Truth in Savings disclosures and rate schedule for complete details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions. Certain restrictions apply. For details, see the Guide to Benefits.
1. Overdraft Protection: Courtesy Pay and Courtesy Pay+ are not loans and are qualifying services. Before using Courtesy Pay, we will first attempt to clear the item by using any Overdraft Protection program you may have in place. Members must opt in to Courtesy Pay+ to authorize and pay overdrafts on ATM and one-time debit card transactions. You can revoke your election at any time by calling the credit union at (505) 292-6343, visiting any of our branch offices, or online at Sandia.org/ Overdrafts. Restrictions apply. $29 fee will be assessed for each overdraft.
2. ATM Refund Qualification Information: We will refund up to $6.00 per transaction and up to $25.00 per month in ATM fees assessed at worldwide ATMs we do not own or operate. ATM refunds will be paid on the last calendar day of the month. If you have a Peak PLUS High Yield Savings account, ATM fees refunded to you will be deposited directly into your Peak PLUS High Yield Savings account. If you do not have a Peak PLUS High Yield Savings account, fees refunded will remain in your Peak PLUS Checking account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, ATM fees will not be refunded to you.
3. Two Days Early: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day payment file is received, which may be up to two days earlier than scheduled payment date.
4. Zero Liability: Certain restrictions apply. See mastercard.com/zeroliability for details.
5. Certain restrictions apply. For details, see the Guide to Benefits.
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