FAQ

Southland Visa debit & credit cards issued on or after July 20, 2023 include contactless technology. Look for the contactless indicator on your card to know if you can use it to tap to pay for purchases. 

Yes, to change your PIN on your debit card, log into your Digital Banking account and navigate to Card Management. To change your PIN on your ATM card, please call our 24/7 system at 866.762.0558 and follow the prompts. 

Visa debit cards are offered on checking account products. Please contact us to request a debit card.

To activate a debit or credit card, log in to Digital Banking and navigate to Card Management to activate. if you need to activate an ATM or HELOC Access 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.

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. 

Yes! Learn more about High Yield Checking. 

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. 

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 $29 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.

Yes, you can add external accounts in view-only mode to view your external account balances, transactions, and add them to budgets. Get started in the Link External Accounts area on the Dashboard. To add external transfer accounts, head to the Transfers widget and click "Add an account to make a transfer."

Your password must be at least eight characters in length, contain at least one lowercase letter, at least one uppercase letter, at least one special character, and at least one number.

Digital Banking supports the last two versions of the browsers listed below:

Android: v6.0 and higher
Firefox: Latest two versions
Google Chrome: Latest two versions
Internet Explorer: v11*
IOS: Last two major versions
Microsoft Edge: Latest two versions
Safari: Last two major versions

*Limited Support: Some functionality may not work as expected. End users with IE 11 as their browser will still be able to access essential functionality of Digital Banking.

 

You can reset your password using the forgot password process in Digital Banking. If you are locked out of your account, please contact us at 800-426-1917.

To retrieve your username, simply complete the Forgot Username process. After verifying your identity, your username will be presented to you.

Initially, you will be able to search over two years of transaction history in Digital Banking. Please navigate to eStatements to view more than two years of history.

Yes, Digital Banking supports an export of your transaction history in CSV, OFX, QFX and QBO file formats.

Yes, most check images are available in Digital Banking by navigating to your account transactions and clicking on check transactions to view its detail and check image. In some instances, a check image may not be available. You can contact us to inquire about retrieving check images at 800-426-1917. Please note: A research fee may apply. Please speak with a representative or see our 'Schedule of Fees' for details.

• Log in to Digital Banking and navigate to Accounts. 
• Choose an Account and click the downward arrow icon underneath the Search bar, and above the word "DESCRIPTION" right above your transactions list. 
• Choose your file format, start date & end date (of transactions) and select the accounts you wish to include. 
• Click download. 

No. There are no fees for Southland's Bill Pay service.

Please refer to your scheduled payments in Digital Banking to determine if your payment can be cancelled. Your payment can be cancelled if you see the trash can icon next to your scheduled payment. 

Refer to the Payment History tab for your payment confirmation number. 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.

Add your payees in Bill Pay in Digital Banking and set up recurring payments to automatically pay all your bills each month. 

When scheduling a payment, refer to the Delivery Method section. Delivery Method will indicate how payments will be sent, and on what day, depending on your preferred delivery date. 

Simply log into Digital Banking and click the Bill Pay button.

Navigate to the Bill Pay widget in Digital Banking and click on the Payee you wish to edit on your Bill Pay dashboard. Click the Manage tab. Click the pencil icon next to Payee Information. 

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.

Checking accounts are eligible for use as funding accounts in Bill Pay.

You can pay virtually anyone in the United States — from credit cards, mortgage companies, auto loans, and department stores to the gardener.

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.

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 Digital Banking offers an export option for CSV files, Quickbooks 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 into Digital Banking, and then click More, then 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 Digital Banking and click More, then eStatements. From here, you may opt-in to recieve eStatements. 

Log in to Digital Banking, click the down arrow next to your name in the top right corner, then click Settings. From here, navigate to Contact, then click the pencil icon next to your email address. 

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 Digital Banking.

Log in to Digital Banking and click More, then eStatements. From here, you may opt-out of eStatements. Please be aware that canceling eStatements may affect your ability to qualify for certain products, services or rates.

Yes, there are limits on transfers to/from external accounts. 

Daily: $10,000
Weekly: $20,000
Monthly: $30,000

1. Log in to Digital Banking
2. Navigate to Transfers
3. Click "Add an account to make a transfer"
4. Select External Account (Add an account manually)
5. Enter the routing number and account number. Southland will send two trial deposits to your external account within 2 to 3 days. Return to Digital Banking to verify your trial deposits and complete your transfer. 

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 external transfers.

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.

There is no fee to transfer money to or from an external account. 

 

Yes.

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.

Yes.

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.

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.

While Southland doesn't offer direct financing for tiny homes or accessory dwelling units, you may apply for a personal loan or a Home Equity Line of Credit on an existing property. 

Please visit our Payment Center to make a payment online. 

To verify or update your auto insurance information, please call the insurance verification team at 866-266-7418, Monday - Friday 7 a.m. to 9 p.m. CST. 

To request an incoming or outgoing wire transfer, please visit our Forms and Applications page and complete the Wire Transfer Request form.

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

Log in to Digital Banking, click the down arrow next to your name at the top right corner of the screen, and click Settings. From there, navigate to the Contact tab and click the pencil icon next to your address to update. Click Save.

There is no difference. Your Member Number is also your Account Number.

Yes! Notary Service is available to our Members at most 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. You can also log in to Digital Banking, navigate to Accounts, select your checking account, then click the Account Detail tab for your full 13-digit account number. 



Alternatively, you can use Bill Pay for paying bills and Transfers for external transfers using Southland's Digital Banking. New Members will have access to external Transfers 30 days after account opening.

1. On your mobile device, log in to your account on the Southland CU mobile app. 
2. Tap More.
3. Tap the gear icon located at the top right corner of the screen. 
4. Tap Face ID. 
5. Tap the toggle to move it to the green or ON position. 
6. You will be able to use Face ID the next time you log in. Click the Face icon at the bottom of the login screen to use Face ID. 

Yes! Mobile deposits are available in the Southland mobile app after your Membership has been established for 30 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, you can use Bill Pay on the Southland CU mobile app. On the mobile app, you can make a payment, view your scheduled payments, and view your payment history. To add or edit a payee on mobile, tap Manage Payees. MultiPay is not available on mobile.

​Quickly view your account balances without logging in by enabling Snapshot.

1. Log in to your Southland Credit Union Mobile app. 
2. Tap More.
3. Tap the gear icon located at the top right corner of the screen.
4. Tap Snapshot.
5. Slide the toggle button to the green ON position. 
6. Select the accounts you wish to include in account snapshot by sliding the toggle buttons to ON.

You can find the Southland CU mobile app in the Google Play Store for Android devices, and the Apple App Store for iOS devices. 

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.

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.

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 perform an internal review to determine your eligibility for regular SCU products and services.

Only the first $225 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. 

Southland Visa debit & credit cards issued on or after July 20, 2023 include contactless technology. Look for the contactless indicator on your card to know if you can use it to tap to pay for purchases.

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. The Enjoy! Rewards Platinum Visa card does offer rewards with a wide array of options for redeeming points, including cash back, pay with points, checkout with points, fuel with points, merchandise, travel and more. 

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 cardholders can redeem their points by logging in to Digital Banking and navigating to Enjoy! Rewards. You can also go directly to enjoy.southlandcu.org. 

You will receive 1 point for every $1 spent. 

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.    

Call 866.352.1202 to reach the Enjoy! Rewards service center. Member service specialists are available Monday through Friday 6am to 11pm ET and weekends from 6am to 8pm ET. The call center will be closed on the following holidays: New Year’s Day, Easter, Memorial Day, Fourth of July, Labor Day, Thanksgiving Day and Christmas Day. On the day before Thanksgiving, Christmas and New Year’s Day, our call center will have reduced hours of operation.

You can call Quickline at 888.426.1918. The phone number is also printed on the back of your card.