Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to credit approval. Terms, rates, and financing are subject to credit approval. 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.
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.
Enjoy! Rewards Visa Platinum: 1: Web/App access is needed to use Mobile 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. 2: APR= Annual Percentage Rate. 0% introductory APR for 12 months, based on your creditworthiness, available on Platinum cards only. Not every applicant approved for the Platinum card will qualify for the intro rate. After that, your APR will be 12.74-15.74%. This APR will vary with the market based on the Prime Rate plus a margin. Balance transfer, cash advance, foreign transaction and other fees may apply. Terms, features, programs and conditions subject to change. 3: Applicants may qualify for a Maximum total unsecured limit of $100,000, lending criteria applies. Online application currently accepts a max limit of $25,000, please place a comment on your application to request more, or contact us. 3: Visa’s Zero Liability Policy is our guarantee that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline. Program conditions and restrictions may apply.
Bonus points: Bonus points for mortgages exclude refinance of an existing Southland Mortgage Loan. Bonus points for a HELOC loan requires $10,000 minimum advance within the first 90 days of opening. Bonus points for personal loans exclude personal lines of credit.
