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Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
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Debit Cards

Easy Access to Your Cash

Request a Debit Card

SLFCU Debit CardSLFCU’s free checking accounts come with a complimentary no-fee Mastercard® debit card. You can use it to make purchases anywhere Mastercard is accepted and withdraw cash at nearly 30,000 surcharge-free ATMs nationwide.

Apple Pay® is available for SLFCU debit cards. Learn more about mobile wallets.

Our debit cards are protected with EMV chip technology and also have a magnetic stripe so you can shop with merchants that do not have chip-enabled payment terminals. 

Activate your debit card: 800.947.5328
Report a lost or stolen debit card: 800.947.5328

Apple Pay, iPhone, iPad, Touch ID, Apple Watch, and Mac are registered trademarks of Apple Inc.

Using Your Debit Card When You Travel

Using Your Card When You Travel

Notify SLFCU of travel plans to keep your cards safe and working.

Your SLFCU credit card and debit card are protected by a system that detects unusual patterns of activity. Please let us know when you are planning a trip, especially one that takes you outside the U.S.

When activity is detected outside of your normal pattern, you’ll receive a phone call to verify that the purchase is legitimate. Please consider providing us with your cell phone number to help us reach you when you’re on the road. 

Card fraud is a widespread problem that you can help us to prevent. Call us at 505.293.0500 or 800.947.5328 or contact us through CU@home secure message and we will make sure your cards are safe and continue working when you leave home.

Please provide the following information:

  • Complete credit card or debit card numbers
  • Countries to which you will be traveling
  • The dates on which you will begin and end travel

Using your Visa or Mastercard® credit card to make purchases overseas is a smart move. You'll be charged only the official exchange rate, plus a 1% international transaction fee.

Use your debit card worldwide anywhere Mastercard is accepted and pay for your purchase or get local currency from your share draft checking account.

Please note that savings accounts cannot be accessed by ATM overseas. If you will be traveling outside the U.S., please make sure you have a debit card attached to a checking account or use a credit card for purchases/transactions. 

Shopper Benefits


Mastercard® Zero Liability means you won’t be responsible for any fraudulent activity on a lost or stolen card if you report it to SLFCU promptly.

Mastercard Zero Liability Policy
Report a lost or stolen card: 800.947.5328


Should you find a lower price for a new item within 60 days from the date of purchase using your eligible Mastercard, you may be reimbursed for the price difference.


Doubles the original manufacturer’s or store brand warranty for up to one year when you pay with your eligible Mastercard.


If you become dissatisfied with a product you purchase using your eligible Mastercard within 60 days of purchase and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.


Mastercard’s Identity Theft Alert program monitors your online identity and sends you an alert if it detects that your personal information has been exposed to potential fraud or theft. There is no charge to use this service.  Members with an SLFCU Mastercard Classic Credit Card or SLFCU Debit Card may register for the service at The service will monitor the information you choose to provide, including:

  • Credit and debit cards
  • Social Security Number
  • Driver’s license number
  • Passport number
  • Financial account information
  • Email addresses
  • Medical information

If Mastercard identifies a security issue, you’ll receive an email alert that includes details about following up with an Identity Theft Specialist.

Guide to Debit Card Benefits


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Money Manager Rates

APY=Annual Percentage Yield
DR=Dividend Rate


Money Manager
0.15% DR / 0.15% APY