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Maybe.  We use ChexSystems, a check verification service and consumer credit reporting agency, to screen members before opening accounts.  If you had previous deposit accounts that were reported to ChexSystems as a loss, we would require you to repay the amount due to have your name cleared from ChexSystems before you open a deposit account. …

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If you are already a member, you can open a checking account with any amount – even as little as $1.  There just needs to be a deposit of any amount to start the account.  You can view our checking options here. If you are not yet a member, you first need to open a…

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If you have a checking account, you can get a Visa Debit Card.  Your first card will be issued to you at no charge. A renewal card will be automatically issued when your card expires.  If your debit card (or ATM card) goes missing, you can get a replacement card for a fee.  Here is…

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Our ATM cards have $805 daily limit, and our debit cards have a $1,200 daily limit. Each machine has its own transaction limit.  You may be required to make multiple transactions if you want to withdraw your entire card limit.  These limits on your cards reset each day at 2 pm (MST).

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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.

Federally Insured by NCUA  Equal Opportunity Lender  Facebook

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.

Tax Solutions and Savings for Members