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Totally branchless banking has increased lately, but many are still skeptical.

In 2014, Bankrate released a study saying that more than 30% of Americans haven’t visited a branch in the last six months. With the rise of mobile technology, financial security and digital communication, it’s possible to never step foot in a branch again. But you don’t have to use a fintech startup with an unproven track history to go branchless: White Sands FCU offers everything you need.

Simplify your banking and live easier with these tips on going branchless.

  • Download White Sands FCU mobile app. Available for Apple and Android devices, this app features include:
    • 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
  • Use our Mobile Deposit App and never stand in line to deposit a check again!
  • Get the mobile app that lets you control debit card usage and spending on the go! With CardValet, you can control your spending and protect yourself against fraud, all through a simple app on your phone.
  • Follow White Sands FCU on Facebook. For important updates or tips on how to save money, social media is a great way to get connected and stay up-to-date. It’s like going to see your favorite teller, just without much effort.
  • Apply for loans online. It’s as easy as it sounds!



  1. Rick Bernal on February 22, 2017 at 1:07 am

    On your promotions you keep saying “pay bills from bill pay on the app” I have looked several places & there’s no where on the app to “pay bills” all I have is “accounts” “transfers” “locations” and “more” am I missing something? Is there also a way to re-order my accounts on the app. I’ve done it on the online banking but it doesn’t transfer on the all.

    • Stephanie Martinez on February 22, 2017 at 10:41 am

      Mr. Bernal,
      We will be happy to assist you with locating the Bill Pay portion on our app please give us a call at 575-647-4500.

  2. Rick Bernal on February 27, 2017 at 1:49 pm

    I was able to find the bill pay portion on the abb. Thank you I did call the 575-647-4500 number to ask about cut-off times. When i did a transfer online it was after 6:00 P.M. and it didn’t credit my account until the following the day. The call center rep had no clue what I was talking about. Is there a way you can tell me what time is the cut-off for transfers within online banking?

    Thank You

    • Sharon Sumner on February 27, 2017 at 2:31 pm

      The cutoff time for transfers to physically post to your accounts is 6 pm. Any transfer you make after 6 pm is physically posted the next morning (or on a Monday if made on a weekend.) However, if you make a transfer after 6 pm (or on a weekend), your account is still given provisional credit so the funds can be used.

  3. Rick Bernal on February 27, 2017 at 3:04 pm

    Thanks for letting me know. That is great information about only have till 6. Would this be mountain standard time? Also maybe placing it on the website that you guys now have cut-off times might be helpful for other members.

    Thank You

    • Sharon Sumner on February 27, 2017 at 4:58 pm

      Yes. Mountain time