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Reality Checking™
Claim Your Financial Independence
Are you 13 - 25 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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Reality Checking Features
Reality Checking offers free features, and zero monthly fees. Add the Sandia Area Mastercard® for a simple, convenient way to build your credit and tackle unforeseen expenses.
- Free Mobile and Online Banking
- $0 minimum balance required
- $0 monthly fee
- $0 check fee
- UNLIMITED transactions
- Get a Checking and Savings accounts
- NSF Fee Refunds (up to four items per year upon request)
- Mobile Check Deposit
- Budgeting and Financial Management tools
- Eligible to apply for a Sandia Area Mastercard® Credit Card
Sandia Area Mastercard® Features
- $0 annual fee
- $0 balance transfer fee
- $0 cash advance fee
- Identity theft resolution services
- Low rates
- Extended warranty protection on purchased items
What you need
- Account holders 13-17 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®
Reality Checking can help parents, too
- As a joint account holder, you can have complete access to your child’s account (required for account holders 13-17 years of age)
- Quickly transfer money to your child’s account when needed
- Secure access to their account information through Online Banking
- Easy account access from your smartphone
Checking accounts and Mastercard credit card subject to qualification. Sandia Area Membership is required.
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