Checking Accounts

A Checking Account for Everyone

Earn Up To $175.00*

Cash Rewards Checking

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

cash rewards checking

Earn up to $175 in rewards!

Cash Rewards Checking

value checking

Get loan rate discounts with Autopay.

Value Checking

teen checking

Checking designed just for teens!

Teen Checking

free checking

No service fees, just free checking.

Free Checking

Checking Account Comparison
 Cash Rewards Checking*Value CheckingTeen CheckingFree Checking
Monthly service fee$5$0$0Free
Minimum opening deposit$0$0$0$0
Free eBranch online banking

Free ePay bill payer

Free mobile banking

Free Visa debit card

Nationwide access — CO-OP ATM & Shared Branch network

Southland loan rate discounts

Southland Relationship Rewards
$50 Bonus — after account opening with direct deposit
$20/month ATM fee rebates
$5 eStatement bonus — paid annually
$10/month debit card reward — after 10 debit card purchases

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!


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

Value Checking

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

  • $0 minimum opening deposit
  • Online & mobile banking
  • Free online bill pay
  • Free Visa debit card
  • Free 1st box of checks
  • Nationwide access to 30,000 CO-OP ATMs and over 5,000 shared branches
  • Loan rate discounts with Autopay
  • Fee-free checking account with eStatement opt-in

Free Checking

All the features you need with no monthly service fees. 

  • $0 minimum opening deposit
  • Online & mobile banking
  • Free online bill pay
  • Free Visa debit card
  • Free 1st box of checks
  • Nationwide access to 30,000 CO-OP ATMs and over 5,000 shared branches

Access Anywhere

Manage your Southland accounts anytime and anywhere with online and mobile banking.

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

Cash Rewards Checking: $5 Monthly Service Charge waived for Members with Direct Deposit or Use of Bill Pay every month. $2 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.