Checking Accounts

A Checking Account for Everyone

High Yield Checking

Earn an APY up to* 3.00%

Whether you’re just getting started with your first checking account or looking for checking that pays, Southland has an account for you.


High Yield Checking

Make your money grow! High Yield Checking is the perfect way to earn dividends with your everyday spending account. Earn a great rate on deposits up to $10,000. 

High Yield Checking Details

Cash Rewards Checking

Your checking account that pays. Earn up to $175 in cash!1

  • Earn $50 when you open a new Cash Rewards Checking account with Direct Deposit
  • Earn $10 a month for one year just for using your Southland debit card
  • Receive up to $20 a month in ATM fee rebates
  • Earn $5 a year for using eStatements
Cash Rewards Checking Details

Value Checking

A checking account with added value! Get Southland loan rate discounts when you open a Value Checking account with Autopay.

Value Checking Details

Free Checking

All the features you need with no monthly service fees. 

Free Checking Details

Teen Checking

A checking account designed just for teens!  A Teen Checking account is a responsible way for teens to manage their own money with parental guidance.

Teen Checking Details

Relationship Rewards

Gain more benefits by making Southland your primary financial institution. Enjoy free ATMs, cash back, higher CD rates, loan discounts and much more!

 Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to credit approval.  

High Yield Checking: APY = Annual Percentage Yield. Rates quoted effective 3-1-2024 and are subject to change without notice. 3% APY earned on balances up to $10,000, 0.10% on balances of $10,001 and up. Monthly service fee of $5 waived with direct deposit or one bill pay per month. Paper statement fee waived for Members over 65 only. 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 $2.00 withdrawal fee, per transaction, and possible third-party surcharges. You may be charged access rates depending on your carrier. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges. Some restrictions may apply. Mobile Deposits is available to Members in good standing only. Limit one High-Yield Checking per account.   

Cash Rewards Checking: $5 Monthly Service Charge waived for Members with Direct Deposit or Use of Bill Pay every month. $5 monthly Checking Paper Statement Fee waived for Members under 18 and over 65; or with Direct Deposit, Southland eStatements, Bill Pay, Loan balance, or average total deposit balance of $1,500 or more. Existing Southland Credit Union checking account holders do not qualify for the $50 promotional offer for direct deposit or ePay/eTransfers. Current account holders may choose to convert their existing checking account to a Cash Rewards Checking Account, you may then qualify for the other rewards available. $50 direct deposit/ePay/eTransfer reward will be deposited to the checking account at the end of the month upon receipt of first direct deposit or first payment made. Qualifications must be met every month to qualify for rewards and reimbursement of ATM fees. Qualifications include direct deposit or use of ePay/eTransfer every month and a minimum of 10 debit card purchase transactions posted and cleared per month. Must be enrolled in eStatements for 12 full months to earn the $5 reward. If these qualifications are not met, rewards and reimbursed fees will not be paid for that month. Reimbursed ATM fees include Southland out-of-network fees and third-party surcharges. Cash rewards begin on the month following account opening. Limit one cash rewards promotion per account. There is no minimum balance requirement to earn rewards. Offer is subject to change at any time, other terms and conditions may apply. Cash rewards earned are considered interest and will be reported on a 1099 to the IRS.

Value Checking/Teen Checking: $5 monthly Checking Paper Statement Fee waived for Members under 18 and over 65; or with Direct Deposit, Southland eStatements, Bill Pay, Loan balance, or average total deposit balance of $1,500 or more.