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Mobile Banking App

Our most convenient location is everywhere

Cell PhoneThe White Sands FCU Mobile Banking app makes it easy and convenient to manage your finances – wherever you are! Quickly and securely manage your White Sands FCU accounts no matter where life takes you. Away from your computer and need to pay a bill? Now it’s easier than ever! Or maybe you just need to check your balances, transfer money or find the nearest branch or ATM. It’s all easy with the Mobile Banking app.

  • Check account balances and monitor transactions, transfer money between your White Sands FCU accounts
  • Use Bill Pay* to pay bills
  • Make payments to your White Sands FCU loans by transferring a payment
  • Find the nearest White Sands FCU branch or ATM
  • Deposit Checks
*Bill pay is $3.75 per month

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Transfer Now

Easily transfer money from another bank or credit union to your White Sands FCU account with Transfer Now. Available on Online and Mobile Banking.

Account to Account Capabilities

  • Transfer funds from a White Sands FCU checking, savings, and/or money market account to another institution.
  • Transfer funds from another institution to a White Sands FCU checking, savings, and/or money market account.
  • Transfer funds from another institution toward a White Sands FCU monthly loan payment.

Get Started

1. Log into online banking. 

2. Click the "Transfer" tab.

3. Select "External Account Transfer"

4. Follow the on-screen instructions to add your accounts.

5. You will receive emails with instructions on how to complete the process.

Debit Card Controls on Mobile PhoneTake control of your White Sands FCU debit card

With White Sands FCU credit card controls, you can:

  • Temporarily lock your card if you misplace it
  • Set up travel notifications so your card is ready to travel with you
  • Set spending limits based on location, amount, merchant type, and transaction type.
  • Receive real-time alerts
  • Easily add cards to digital wallets.


Activate these features today in your Mobile Banking App. Click "My Cards" to get started.

Mobile Deposit

Mobile DepositWe understand your time is valuable which is why we have combined our Mobile Deposit feature into Mobile Banking. Our upgraded mobile app gives you the ability to deposit your checks anywhere, anytime right from your mobile device.

Beginning September 29th our stand-alone Mobile Deposit app will be eliminated. To continue using this feature please download our mobile banking app.

How to make a deposit

  • Access Mobile Deposit through our free White Sands FCU Mobile Banking App
  • Endorse your check as follows:
    • For Mobile Deposit Only, WSFCU account # xxxxx

mobile deposit endorsement

  • Follow the prompts in the Mobile app to click photos of the front and back of your check and submit
  • You'll receive an email confirmation that your deposit's been received and when your funds will be available.
  • Deposits are normally processed Monday through Friday during business hours. Deposits made in the evening will be processed the following day and weekend deposits will be processed the following Monday.
  • Keep the check until you confirm the deposit through CU Online (online banking). Deposited checks may take up to 24 hours to credit your account. (We recommend keeping the check for 30 days just in case).

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Contact Us

Call Center:
(575) 647-4500 or

(800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

Mailing Address:
P.O. Box 99
Las Cruces, NM 88004

Routing & Transit # 312276470

Federally Insured by NCUA

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.

Equal Housing Lender

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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White Sands Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with the WCAG 2.0 standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other assistive technology and are encountering problems using this website, please contact us at 575-647-4500 or 1-800-658-9933. Please provide the location of the inaccessible information. All products and services available on this website are available at all White Sands Credit Union branch locations.

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