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.

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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. 

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

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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