Enjoy! Rewards Checking Conversion Request

Change in Terms - Important Account Conversion Disclosure and Details

Cash Rewards Checking has been retired and is no longer offered. As part of the final transition of this legacy product, Southland Credit Union will convert your Cash Rewards Checking account to an Enjoy! Rewards Checking account. If you prefer not to convert to Enjoy! Rewards Checking, Free Checking is available upon request prior to the conversion date. If we do not receive instructions from you, your Cash Rewards Checking account will automatically convert to Enjoy! Rewards Checking on May 1, 2026. Upon conversion, your account will be subject to the terms, conditions, features, and fees applicable to the new account type.

As part of the retirement of this account, the Relationship Rewards program will also be discontinued. Relationship Rewards was specifically tied to this account structure and will no longer be available once the account is converted. Any benefits associated with Relationship Rewards will end effective the conversion date.

Please refer to the applicable Terms and Conditions and Schedule of Fees and Charges for full details.

Terms and conditions applicable to Enjoy! Rewards Checking Accounts:

1. $5 monthly service fee waived and up to $20 of ATM fee rebates paid when monthly qualifications of direct deposit or one bill pay, and 10 debit card transactions per month are met.
2. Monthly qualifications include direct deposit or use of Bill Pay, plus a minimum of 10 debit card purchase transactions posted and cleared every month.
3. Qualifications must be met every month to qualify for monthly reimbursement of ATM Fees. Reimbursed ATM fees include Southland out-of-network fees up to $20 a month.
4. $5 monthly paper statement fee, set forth on the Schedule of Fees and Charges, waived for Members with eStatements. Excludes Free Checking, HELOC or Visa loan statements.
5. Enjoy! Rewards Checking qualifies for participation in the Enjoy! Rewards program. Refer to the Enjoy! Rewards Program Full Terms and Conditions for program description, how to earn points, point redemption and more. Visit SouthlandCU.org/rewards for details.
6.  Enjoy! Rewards points begin to accumulate at the time of account opening.
7. There is no minimum balance requirement to earn points.
8. Member is responsible for determining any tax liability arising from participation in the program. Consult a tax advisor concerning tax consequences.

Enjoy! Rewards: Enjoy! Rewards Checking and/or an Enjoy! Rewards Visa® Platinum credit card is required to participate in the Enjoy! Rewards program. Program conditions and restrictions may apply. Not available on all Southland Visa cards.

Points: You’ll earn points on purchases of products and services, minus returns or refunds, made with an Enjoy! Rewards debit card. Debit card purchases earn one point per every three (3) dollars of each qualifying transaction. Enjoy your way – Earn 3X Points (1 base point plus 2 bonus points) per every three (3) dollars of each qualifying transaction for the three categories you choose. These include retailer/service providers whose Visa Merchant Category Code (MCC) is classified as grocery (5300,5411 and 5499), utility (4814, 4816, 4899 and 4900), gas (5541, 5542 and 5552), restaurants (5812 and 5814) and travel (4511, 7011, 7512/3000-3308, 4722, 4111, 4121 and 4131). Additional points accumulated for other banking relationships, products and services. For complete details, refer to Enjoy! Rewards Program Terms and Conditions at SouthlandCU.org/enjoy. Offer is subject to change without notice.

ATM and Digital Banking: Unlimited FREE ATM Transactions at Southland Network ATMs, which includes all Southland and CO-OP® ATMs. Use of an out of network ATM will result in a $3.00 withdrawal fee, per transaction and inquiry, and possible third-party surcharges. Web/App access is needed to use Digital Banking. You may be charged access rates depending on your carrier. Check with your service provider for details on specific fees and charges. Some restrictions may apply. Mobile Deposits are available to Members in good standing only.

Direct deposit: Early access depends on the timing of the submission of the deposit from the payer. We generally make these funds available on the day the deposit is received, which may be up to 2 days earlier than the scheduled payment date.