ATMs & Debit Cards

Visa debit cards are offered on checking account products. Please contact us to request a debit card.
Please call our 24/7 Quickline System at 866.762.0558 and follow the prompts. For security purposes, you will need to call from the home phone number on record.

Report your lost or stolen card by calling Quickline at 888.426.1918.

Yes, you can withdraw $500 a day.
Southland Members can use our network ATMs surcharge-free. Network ATMs include Southland ATMs and CO-OP ATMs. There is a fee for out of network ATMs. Please see our fee schedule for more information.
Credit purchases need to be signed for and the transaction is processed through the VISA® network. For debit, the transaction is processed through the ATM network and you must use a personal identification number (PIN). But here’s a tip: when you choose credit and sign for the purchase, it actually helps your Credit Union and other members by keeping costs down.

Business Services

Unfortunately, our Cash Rewards Checking Accounts are not available as a business product, but you may open one as a personal account.
No, Southland does not offer sweep accounts. 
The required documentation is based on the type of business account you wish to open. We may require a Fictitious Name Statement and/or State-issued Business Articles. Additional documentation may also be needed. Please refer to page 3 of our Business Account Application Form or contact a Service Representative for more information.
Southland does have a cash handling fee for Business Accounts Cash Deposits. For total deposits in excess of $10,000 per month, there is a charge of $0.20 per $100 deposited.
No, not at this time. 


Yes. You can have as many as you want. 
No, not without a penalty. Once the Certificate renews, the dividends earned become part of the principal.
Dividends are compounded monthly and are posted monthly on the last business day of the month.
You will have a 10-calendar day grace period in which you can add more money, withdraw without a penalty or change the term of the Certificate. If you do not do anything within the 10-calendar day grace period, the Certificate will automatically renew for the same term at the current rate.
If the Certificate term is for 1 year or less, the penalty is forfeiture of 90 days worth of dividends. If the Certificate term is longer than a year, the penalty is forfeiture of 180 days worth of dividends.

We offer a 10-calendar day grace period to make changes to any Certificate, or we can take the information in advance and make those changes upon the maturity of your Certificate.

Unfortunately, you do. We can always do a loan against the funds and we will not have to touch the Certificate. You can continue earning dividends on the Certificate.
A Money Market account may be a better option if you need regular access to your funds. Money Market accounts do not include terms or investment periods; the funds are always available.

If the rate goes down, the Certificate Account is not affected. If it goes up, the rate on your Certificate will not change.

Terms start from 6 months up to 60 months. 


No, we do not currently offer an interest-earning Checking account.
A Share Draft Account is a Checking Account. 
You are allowed to write an unlimited amount of checks per month. You are also not charged a fee per check written.
There is no cost for your initial box of checks.
No, none of Southland's checking accounts require a minimum opening deposit. 
Value Checking, Free Checking, Long Beach Checking and Teen Checking accounts do not have monthly service fees. Cash Rewards Checking has a $5 monthly service fee, which can be waived with direct deposit, use of bill pay, or by conducting at least 10 debit card transactions per month. Opportunity Checking has a $15 monthly service fee. 

Courtesy Pay

Southland’s Teen Checking Accounts are not eligible for Courtesy Pay and are not subject to overdraft fees for everyday debit purchases and ATM withdrawals. Everyday debit card transactions and ATM withdrawals will not be authorized when there are insufficient funds available in the account.
There is no cost to have Courtesy Pay. You are only charged should you need to use the service. You will be charged a fee of $30 for each item we pay.
Yes.  If you do not opt-in to Courtesy Pay, everyday debit card and ATM transactions will be declined. 
Overdraft protection, which you may already have on your Southland Checking Account, allows us to automatically transfer money from your overdraft line of credit or savings account if your checking account is overdrawn. However, if you don’t have the funds available on your line of credit or in your savings account, your everyday debit card purchases and ATM withdrawals will be declined. That’s where Courtesy Pay can help. It allows your everyday debit card purchases to be approved, at Southland’s discretion.
If you do not want Courtesy Pay, simply do nothing. You must opt-in to receive Courtesy Pay. If you are unsure or need help understanding your options, let a Southland Representative help. Call 800.426.1917 or stop by your local Southland branch.

Online Banking

Yes, Online Banking supports multiple account access with a single log in. Please contact a Service Center Representative at 800-426-1917 for details.

Passwords must be between 8 and 32 characters and contain at least three of the following four items:

  • Lowercase letters (a-z)
  • Uppercase letters (A-Z)
  • Digits (0-9)
  • Symbols `~!@#$%^&*()_+-={}|:;'?,./)

If you have been locked out of your account, you will have to wait a random interval of 20 - 60 minutes before attempting to log in again. Repeated failures will permanently lock you out of your account and you will be required to contact Southland.

If you have forgotten your password or have been locked out of your account by incorrectly entering your password, please use the self-service password reset feature found on the reverse authentication page. This is seen after you enter your account number. Please click the link found under the "Sign In" and "Back" buttons.

You will only be prompted to answer some of your security questions when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior.
Yes, you can change your security questions at any time. To make the change, log into your account:

1. Select "Settings" from the navigation menu.
2. Click "Change Security Settings" under "Account Maintenance."

Please note that for your protection, we will periodically request that you update the information as well.
The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your account, and the typical security settings for your computer. Hundreds of factors such as these create a profile that is unique to you and allows us to make decisions about whether the person conducting a given activity or transaction within your account appears to be you.

Yes, Mint.com and Buxfer.com supports the automatic download of transactions. Other personal finance tools may have different access or requirements. 

Southland Credit Union is not responsible for the content or availability of these service providers. Please be advised that the credit union does not represent either the third party or you (the member), if you utilize their products/services. Further, the privacy and security policies of the linked site may differ from those practiced by Southland Credit Union and accepts no liability in the event of a security or data breach.

The history will be available for 3 years.

NOTE: The default historical view for transactions is 90 days. To see transactions older than 90 days, please click 'Advanced Search' and select 'All' for the 'Show' option.
Yes, Online Banking supports an export of your transactions history in a .csv file format.

Check images may be viewed for up to 18 months and are available free of charge through eBranch. If you need a check copy older than 18 months, please contact us and submit a research request.

Please note: A research fee may apply. Please speak with a representative or see our 'Schedule of Fees' for details.

There are two situations in which check images may not be displayed properly.

First, if a check is cleared through ACH the image will not be available. This is indicated by the following message:

"Please contact your credit union. There was an error accessing a file used to display ARC Draft Images."

Second, if the MICR line (numbers across the bottom of the check) were damaged or covered up (e.g. by your signature) the image will not be available. However, in this situation, the Credit Union may still be able to retrieve this image for you. Please contact us and request to speak with an associate in our Electronic Services Department for further assistance.

Please follow the instructions below to import your information into your personal accounting application.


  • Log into eBranch.
  • Click "Accounts"
  • Click "Web Connect"
  • Select your Source ID (account you want to download into Quicken). Enter the date range and select application you are downloading into. Then click "Download History."
  • When prompted, save the file to your desktop or a convenient location to access later.
  • Launch Quicken.
  • Select File, New, Import.
  • Browse to and select the file you saved above. You should then be prompted to add this information to an existing account or have the opportunity to setup a new account. Please see your product documentation for more information.
  • After the import, you may delete the file downloaded in the steps above.


  • Launch Quicken.
  • Click "Banking" from the toolbar.
  • Click "Online Banking Setup."
  • Follow the prompts to add your account.
  • When prompted for login information, please use your account number as the username.
You must be running the following:
  • Money/Quicken 99 and Later
  • Spreadsheet (.csv)
  • WebConnect (Quicken, Quickbooks or MS Money)

Quicken is not properly recognizing your existing account and will only give the option to create a new account. Please use the following procedure to correct this issue:


  1. Backup your Quicken data.
  2. Launch Quicken.
  3. Single left click the account you are having import issues with, so it becomes highlighted, then right click it.
  4. From the menu that appears, select "Edit Account."
  5. In the Account Details window that appears, click the "Online Services" tab.
  6. In the One Step Update section, click the "Remove Connection" button.
  7. Please click "Yes", to confirm the "Deactivate Service" box that appears.
  8. Please click "OK", if prompted with an additional dialogue box.
  9. Click "Activate One Step Update."
  10. Follow the prompts to connect to your Southland account.
  11. When prompted with "Check the accounts you'd like to add to Quicken," change option to indicate the account "Exists in Quicken" and select the account that you are repairing.
  12. Finish answering any prompts from Quicken.


  1. Backup your Quicken data.
  2. From the "Lists" menu, select "Accounts."
  3. Select "Edit."
  4. In the Account Details window that appears, click the "Download Transactions" drop down menu.
  5. Select "Not Enabled."
  6. Please click "OK." to confirm the changes.
  7. Select "Enabled."
  8. Follow the prompts to connect to your Southland account.
  9. When prompted with "Check the accounts you'd like to add to Quicken," change option to indicate the account "Exists in Quicken" and select the account that you are repairing.
  10. Finish answering any prompts from Quicken.

EMV Cards (Chip Cards)

Yes. Chip technology has been around for over two decades and is already the security standard in many countries around the world. When purchases are made using the chip feature at chip-enabled terminals, the transaction is more secure because of a unique process that is used to determine if the card is authentic. This makes the card more difficult to counterfeit or copy.

While magnetic stripe cards are still considered secure, chip technology is the next step to providing enhanced security to our customers. Whether you use the magnetic stripe or the chip to make your purchase, you can have confidence in the protection and security features we provide for all credit and debit card accounts.

Remember, if you notice any suspicious activity on your account, notify us immediately by calling the number on the back of your card.

Yes, please call our 24/7 system at 866.762.0558 and follow the prompts. 
Please call our 24/7 system at 866.762.0558 and follow the prompts.

We recommend that you set a travel notice on any card(s) you plan to use while traveling to help prevent interruption. You can set a travel notice by calling the number on the back of your card and speaking with a representative. For your protection, we will continue to monitor card activity even when a travel notice is set. If you encounter any issues while traveling, we are here to help.

Please contact us toll-free at 800.426.1917.

A chip card is a standard-size plastic debit or credit card that contains an embedded microchip as well as a traditional magnetic stripe. The chip encrypts information to help increase data security when making transactions at terminals or ATMs that are chip-enabled.
You may hear chip cards referred to as "smart cards" or "EMV cards" – they are all different ways of referring to the same type of card. Similarly, an EMV terminal is the same as a chip-enabled terminal.
More terminals and ATMs are becoming chip-enabled throughout the U.S. You will also enjoy greater acceptance when traveling, Chip technology is common in over 130 countries around the world, including Canada, Mexico and the United Kingdom. Your chip card will still work at terminals and ATMs where only magnetic stripe transactions are accepted.
As chip technology will soon become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You will enjoy greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit fraud. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you will enjoy greater acceptance while traveling internationally.
No. As the industry continues to develop new ways to protect consumers, perpetrators continue to look for new ways to commit fraud. Chip cards provide an additional layer of security at chip-enabled terminals on top of the fraud prevention monitoring we currently provide.
Chip card technology provides an additional layer of security when used at a chip-enabled terminal. The technology may help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach entirely. 


No. There are no fees for Southland's ePay service.

Yes, there is an aggregate $9,999.99 maximum daily limit that may be paid. This daily maximum applies to all Payees listed for a particular day, not just an individual Payee.

A stop payment attempt can only be made on payments that take five (5) days to process. Please refer to your Payee list for more details. Since our new ePay service is truly Member to Merchant payments, two-day payments will have already been processed.

A confirmation number is displayed after you complete a transaction. This is your electronic receipt. The confirmation number is a record that transactions were accepted and will be processed, so you may record this number. Your statement will also include all of your online transactions. Print your statement for a paper receipt.
You’ll never have to write checks to pay bills again! Save time and money by paying bills automatically — virtually eliminating costly late charges, licking envelopes, and trips to the mailbox. To sign up for Southland ePay, log into eBranch at the top of this page.
If you are still in the same session during which you scheduled the payment, you can delete it from the scheduled payments list. If you have exited the session, you cannot delete the today payment because the transaction has already been completed.
To verify the amount of time necessary to process a payment, please select the Payees tab once logged into ePay. “Days” represent the amount of lead time necessary to pay your merchant.
Simply log into eBranch and click the ePay button.

On the FAQs page, please reformat the part above as follows:

Follow the steps for printing within ePay:

1. Press Ctrl+P

2. Select the “As laid out on screen” Option from the Print Window

3. Click “OK”

Registration is as easy as 1-2-3! Simply log into eBranch, then answer the verification question. Your account will instantly become enabled for ePay.
To protect transactions, we require your Internet browser support 128-bit encryption or higher. Encryption prevents transactions from being read by unauthorized parties over the Internet. We recommend that you use the latest browser version available.

Merchants that accept electronic payments (two-day Merchants) will notify ePay directly of the updated information. For all other payees, please send the new information via message board found within ePay. The changes will be made to your payee for you.

This online service will confirm a today transaction only if you have sufficient funds in your funding account or overdraft line to cover it. Future-dated transactions are stored by the system, but the funds are not debited from your account until the scheduled transaction date. You will be notified if a payment fails, and this service will automatically attempt to retry the payment on the next business day. If the payment is successful on the next business day, you will not be notified again. If the payment fails on the retry, you will be notified again.
If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. If the merchant is unwilling or unable to remove them, the fees and finance charges will be paid directly to the merchant. Your account will be noted appropriately to ensure that the situation does not negatively impact your credit rating. (NOTE: Please see the Disclosure for important information on the limitations of reimbursable fees and finance charges.) For full details, please click on "Help" when logged into ePay.
14 - LEO Checking
24 - LEO Money Market
29 - Money Market (CFCU merger)
30 - Money Market
31 - Money Market
32 - Premium Checking
33 - Opportunity Checking
34 - Business Checking
35 - Basic Checking
36 - Basic Checking
37 - Premium Checking
38 - Business Premium Checking
39 - Super Checking
41 - Teen Checking
Same day payments must be submitted by 9AM PST to be considered a "today" payment. In general, it is recommended that payments be scheduled in advance by setting the payment date within ePay's screen to ensure your payment is paid on your desired date.
You may set up a Payee and schedule the first payment in the same session. If the new Payee is verified immediately, you may schedule a payment according to standard payment guidelines and as a "today" payment that will be processed the next business day. (Note: You will see "Available" status displayed in the Payee list.)

If the new Payee is not verified immediately, you may still schedule a payment to the new Payee within the same session. However, the payment must be scheduled a minimum of eight (8) days in advance of the intended payment date or due date. The system will not allow you to schedule payments sooner than three (3) business days from the session date until the Payee is verified and available.

You can pay virtually anyone in the United States — from national bank cards, mortgage companies, auto loans, and department stores to the newspaper carrier.

NOTE: Payees that are NOT eligible for payment through this service include governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony. However, payments to government agencies for utilities such as water are permitted. Also not eligible for payment are any organizations or individuals outside of the United States.

There is a scenario causing the perception that ePay is timing out and eBranch is forcing you to start a new ePay session. Please read the explanation below to better understand this scenario and avoid it in the future.

Upon clicking the ePay button, your browser will do one of two things:

A) open a new window or

B) open a new tab. 

This new window or tab shows your active session within ePay and your current eBranch window loses focus.

When the eBranch system detects a period of inactivity, it will bring its window into focus and show a pop-up message indicating this inactivity and give the user the opportunity to press one of two buttons: either to keep the current session active or to end the session. When the eBranch window comes into focus to present the notification, the ePay window loses focus.

Upon responding to the inactivity message, the eBranch window still maintains focus. To return to and continue using the existing ePay session, you must bring into focus the window or tab running the existing ePay session. Browser tabs are typically found under the address bar of your browser; browser windows are typically found at the bottom of your screen on the task bar. Clicking the tab or task bar will bring the ePay session back into focus and you may continue your session. No data or settings will have been lost.


No, you can either receive a paper statement or an electronic statement. You cannot receive both.
The data in eStatements cannot be exported. However, Southland eBranch offers an export option for both MS Money and Quicken.
When viewing your eStatement, select print option from within your PDF viewer. Typically this will be found under the 'File' menu or represented by an icon that looks like a printer.
To retrieve your eStatement, log onto Southland eBranch then click “eStatements."
By default, eStatements are opened as a PDF file. Your PDF viewer should have a 'save' feature available, sometimes found under the 'File' menu or represented by an icon that looks like floppy disk. Activate the save feature and select the location to save your PDF file.
To sign up, simply log into eBranch and click on "Account Management" located on the navigation bar. Then select "eStatements Opt In/Opt Out." An e-mail notification will be sent to confirm your enrollment.
Log into eBranch, under "Account Management" please select "Change E-Mail."
eStatements will be available for a minimum of 7 years. If you need a statement copy older than 7 years, please contact us and submit a research request.

NOTE: A research fee may apply, please speak with a representative or see our 'Schedule of Fees' for details.
This is a FREE service for members that have opted-in to receive eStatements.
Yes, your eStatement will still be available should you not receive an e-mail notification for that month.
Yes! Southland eStatements are stored in a secure facility and are encrypted as they are transmitted to your Internet browser.
eStatements are an electronic version of your monthly statements accessed through Southland eBranch.
Log into eBranch and click on "Account Management" located on the navigation bar then "eStatements Opt In/Opt Out." Please be aware that canceling eStatements may affect your ability to qualify for certain products, services or rates.
According to the Law, we must deliver the statement to the primary account holder.


Yes, there are separate limits on incoming and outgoing transfers.

Outgoing/Sending Fund Limits:

$5,000 per day

Incoming/Receiving Fund Limits:

$9,999 per day
  1. Log in to eBranch
  2. From the "Account Transactions" menu, select "Southland eTransfers"
  3. (Note: A new window will open)
  4. Click "Add a New Transfer"
  5. Select if you want to send or receive funds
  6. Enter the account, the amount, the date, and whether it's a 'one time' or 'recurring' transfer, click "Next"
Please note:
  1. Transfer will take up to three (3) business days
  2. Funds need to be in your account and available by 9AM PST on the day of the scheduled transfer. Any changes or cancellations must be done prior to 9AM PST on the date of the scheduled transfer.
  3. Overdraft protection is not available for eTransfers.
  • Log in to eBranch.
  • Click the "Transfers" menu, click the "Manage eTransfers" chevron.
  • Add a new Financial Institution to transfer to/from your Southland account:
    • Select "Edit/Manage Accounts"
    • Select "Add a New Account"
    • Enter the 9-digit routing number, click "Next"
    • Enter the account number, account type, optionally a nick name and agree to terms and conditions, click "Next"
    • Read the notice on the next screen, click "Finish"
  • After two to three days, view the transactions details for the new Financial Institution account you have added and look for two deposit amounts.
  • Log in to eBranch and return to eTransfers.
  • Select "Edit/Manage Accounts."
  • Select "Verify" next to the account you are activating.
  • Enter the two deposit amounts, click "Verify."

Your account is now active and ready to transfer funds in and out of your Southland account.

The deposits will typically appear within two (2) business days, but may take up to three (3) business days.

Transfers will take up to three (3) business days to complete.

Please Note:

  1. Funds need to be in your account and available by 9AM PST on the day of the scheduled transfer. Any changes or cancellations must be done prior to 9AM PST on the date of the scheduled transfer.
  2. Overdraft protection is not available for eTransfers.
Before you can send money or receive money from your Southland account using eTransfers, you will need to verify the amounts of two verification deposits. You must validate your account within 30 days of receiving the deposits at the other financial institution.
Please see the Southland Credit Union Schedule of Fees & Charges page. 


Holiday Club

Yes. At no charge we can have a check mailed to you on November 1st if you call within a week prior to that date.
Yes, the same rate as the regular savings account.
Deposits may be done by mail, at one of our branches, and if your employer offers payroll or direct deposit.
Please provide something in writing to have your funds rolled over.
There is no minimum amount required to open a Holiday Club Account.
There is no penalty.
ATM access is not available with the Holiday Club.
If your Holiday Club balance exceeds $100 and you have a checking account, it will be transferred to that account. If not, it will be transferred to your savings account. 
Funds are usually disbursed on November 1st.

Insurance & Investments

If you become disabled for more than 30 days, your monthly loan payments are paid. Upon approval, coverage is retroactive from the date of disability. A maximum of $600 per loan per month is paid per Member.

The total amount of your loan balance is paid off if the borrower dies during the term of the loan. Maximum coverage is $50,000.


Yes, as long as you still qualify for membership with Southland Credit Union. You may fill out an application online or call (800) 426-1917 to speak to a Loan Officer.

Please visit our Payment Center to make a payment online. 

Member Service

Southland Credit Union's Routing/Transit # is: 322078325

Please call a Member Service Representative at (800) 426-1917.

There is no difference. Your Member Number is also your Account Number.
Yes! Notary Service is available to our Member's at all Southland Credit Union branches. There is no cost to our Members if documents are Southland Credit Union related. Fees may apply if documents are Non-Southland Credit Union related. View the Schedule of Fees.
 If you wish to electronically transfer funds from your Southland account using your checking account number, you will need your full 13-digit checking account number and the Southland Routing Number (322078325). You can find your 13-digit account number at the bottom of your checks or on your membership card. 


Alternatively, you can use ePay for paying bills and eTransfers for external transfers using Southland's Online or Mobile Banking. New Members will have access to eTransfers 90 days after account opening.

Mobile Branch

  1. On your iOS device, log in to your Southland Credit Union Mobile app. 
  2. Open the main menu (three orange horizontal lines at the top right).
  3. Select Account Management.
  4. Select Manage Touch ID.
  5. Complete the enrollment form by creating a device name and entering your mobile banking user ID and password.
  6. Touch Enroll.
  7. You will now be prompted to use Touch ID or Face ID the next time you log in to the Southland app.
Yes! Mobile deposits are available in the Southland mobile app after your Membership has been established for 90 days. To use mobile deposits, select Mobile Deposit in the main menu and follow the on-screen instructions. Please note our Mobile Branch Agreement and Funds Availability Policy.
Yes, Southland ePay is a part of our Mobile Banking program. While you will need to manage and create payees online through eBranch, you can schedule payments from your phone on the go.
  1. Log in to your Southland Credit Union Mobile app. 
  2. Open the main menu (three orange horizontal lines at the top right).
  3. Select Account Management.
  4. Select Manage Fast Balances. 
  5. Create and enter a device name. 
  6. Select the account(s) you would like to view in Fast Balances. 
  7. Touch Submit to finish. 
Visit SouthlandCU.org on your web-enabled mobile device. For security purposes, the first time you login you will be prompted to register your device.

Visit SouthlandCU.org on your web-enabled mobile device. For security purposes, the first time you login, you will be prompted to register your device.

Southland Mobile Banking is FREE — Southland does not charge a fee for Mobile Banking. However, your mobile carrier may charge you standard fees for Internet access. For more information about these fees, please contact your carrier directly.
You can start using Mobile Banking if you have previously enrolled in Southland eBranch. If you haven’t enrolled yet and would like to, log onto www.SouthlandCU.org and click on the eBranch Log In button to get started. Once enrolled, on your mobile device, navigate to southlandcu.org. Your Mobile Banking application will utilize the same user name/account number and password.
Southland Mobile Banking enables you to connect to your Southland accounts from your web enabled mobile phone or other hand-held device. You will be able to easily access your balance information, transfer funds, pay bills or even find a branch or ATM.
A list of supported phones is available online. Mobile Banking is currently supported on iPhone®, Windows® Mobile, Android, BlackBerry®, Palm OS TrĂ©o and most phones that support Java applications.
Change your online banking password immediately. Report the loss to your carrier and to Southland Credit Union. As always, whenever there is a possibility of unauthorized access to your account, you should watch your account closely to ensure no unauthorized transactions appear.

Money Market

No. However, a standard box of checks can be ordered for the cost of about $14.00.

You may access your funds through Quickline, Online/Mobile Banking, mail, at a Southland branch, and via Money Market checks.
No more than three per month without incurring a fee. 
Dividends on Money Market Accounts are subject to change weekly.
A Money Market account pays higher dividends than regular Share Savings and Checking Accounts, plus you have check access and dividend rates can fluctuate.
There is no investment period, therefore your funds are always available.
You can earn dividends on a Money Market account, but no dividends are earned on a Checking Account.
$10.00 per transaction.
There is no minimum required, but in order to earn dividends a minimum of $2,500.00 must be kept in the account.
According to Federal Regulation D Money Market Accounts are limited to six (6) transfers in each calendar month. No more than three (3) can be checks made out to a third party.
No fees will be applied, but dividends will not be earned on balances less than $2,500.00.

Opportunity Checking

Yes. Direct deposit is required for this type of account unless your employer does not offer the service.
No, the minimum opening balance is $0.

Yes, please view the Schedule of Fees and Charges page.

Yes, from savings only. No line of credit will be established.

Please contact us to discuss your options with a Southland Associate.

The Opportunity Checking Account is designed for members who may not be eligible for a regular checking account because of past financial indiscretions.

After twelve (12) months of active use, SCU will pay tuition for a Member to attend Consumer Credit Counseling Service class. After successful completion of class and the original 12-month period, the Member is eligible for normal SCU products and service.

Only the first $100 will be available for immediate withdrawal.

Deposit Checks will garner the mandatory maximum Reg CC hold whether the check is deposited in person or through the ATM.


Yes, you may choose any amount for deposit. Please check with your employer.

Yes, and you can title it any way you like, e.g. vacation account, tax account, etc.

Yes, as long as your employer offers that benefit.
Visa debit cards are offered on Checking Account products. You may request an ATM card for your Savings Account from any Southland branch.
Yes, please see the Savings page for more information.
Dividends are calculated on a daily balance and paid monthly.
You can access your account using Quickline, ATM (fees may apply), telephone, by mail, wire transfer (fees may apply) and through online/mobile banking.
Yes, you can withdraw up to $500.00 per day.
Southland Members may use our network ATMs surcharge-free. Network ATMs include Southland ATMs and CO-OP ATMs. There is a fee for out-of-network ATMs. Please see our fee schedule for more information.
Yes, however, if the system has to transfer the funds from your savings to your checking account, there is a $10.00 per transfer fee.
To qualify for a tax-sheltered Health Savings Account, you must: 
  • Be covered by a Qualified High Deductible health plan
  • Not be covered by other health insurance
  • Not be enrolled in Medicare
  • Not be claimed as a dependent on someone else's tax return
$25.00 or pay a one-time entrance fee of $15.00. The Southland Jr. Savers account requires a $5 minimum deposit. 

Visa® Credit Cards

Yes, you can view recent transactions and make payments on Southland’s mobile banking app. You can also use your Southland Visa card with Apple Pay, Google Pay and Samsung Pay.
No. Smart Cards do not include rewards. Our Platinum cards do include rewards. 

Yes. You can transfer your balance from a different financial institution to take advantage of Southland's low rates. Contact us for details. 

Yes. Rewards points expire after 72 months. 
Your credit card statement is included with your monthly account statement. If you have elected to receive eStatements, your statement will be available in Online Banking and Mobile Banking.

 There are several easy ways to make a payment. Visit the Make a Payment page for details.

Cash back is distributed via ACH transfer to your checking or savings account. Transfers may take up to 7 business days. 

Platinum Rewards and Platinum Cash Rewards cardholders can redeem their points on Southland's ScoreCard Rewards page. New users must create an account with their card information before redeeming their points. 

You will receive 1 point for every $1 spent. 

Platinum Cash Rewards cardholders can redeem their points for cash at ScoreCard Rewards in the following increments: 

  • 2,000 points for $20 
  • 4,000 points for $40 
  • 6,000 points for $60 
  • 8,000 points for $80 
  • 10,000 points for $100

There is no limit to the number of times you can redeem your points. 

There are hundreds of rewards options with various point values. But for as little as 200 points, you can start redeeming your rewards points for merchandise. 
Yes. If you are a student, or new to credit with a limited credit history, the Smart Card may be a good option for you. For those who want to build credit, the Smart Card includes lower limits with low rates for small purchases. 
Southland offers a secured version of its Smart Card. A secured credit card requires a deposit in a Savings or Money Market account to serve as collateral. If you are looking to repair or re-establish your credit, a secured credit card may be a good option.    
You can redeem your rewards points for hundreds of merchandise options, travel, fuel, bonus offers at specific retailers, and DailyWin prize drawings. Browse the catalog at ScoreCard Rewards(Opens in a new window) for more information.
You can call ScoreCard Rewards Services at: 800.854.0790.
You can call Quickline at 888.426.1918. The phone number is also printed on the back of your card.