A checking account for everyone
Whether you’re just getting started with your first checking account or looking for a spending account that rewards you, Southland has four great checking account options to choose from.
Checking Accounts
FEATURED
Enjoy! Rewards Checking
Experience a little joy each day as you earn points on your purchases
- Eligible for Enjoy! Rewards program
- Earn 3X points on groceries and utilities
- Earn 1 point per $3 spent on everything else
- No caps on earning or redeeming
- Earn ATM fee rebates - up to $20 a month
- Eligible for autopay loan rate discount
- Get paid up to two days early with direct deposit*
- $0 minimum opening deposit
- Free Digital Banking
- Co-op Shared Branching
- Co-op ATM
- Overdraft protection
- $5 monthly service fee - avoid fee*
- $5 monthly paper statement fee - avoid fee*
High Yield Checking
Earn dividends on your everyday spending account
Free Checking
A no frills checking account that's actually free
- $0 Monthly service fee
- $0 Monthly paper statement fee - eStatements required
- Get paid up to two days early with direct deposit*
- $0 minimum opening deposit
- Free Digital Banking
- Co-op Shared Branching
- Co-op ATM
- Overdraft protection
Teen Checking
Introduce good saving and spending habits
- $0 minimum opening deposit
- Free Digital Banking
- Co-op Shared Branching
- Co-op ATM
- Direct deposit
- Overdraft protection
- $0 Monthly service fee*
- $5 Monthly paper statement fee - avoid fee*
How to avoid monthly service and paper statement fees
Enjoy! Rewards Checking
To avoid the $5 monthly service fee, use direct deposit or perform one bill pay per month, and complete 10 debit card transactions per month.
High Yield Checking
To avoid the $5 monthly service fee, use direct deposit or perform one bill pay per month.
Paper statement fee
Enroll in eStatements to avoid the paper statement fee. You can opt-in for eStatements at any time in your Digital Banking account. The paper statement fee is also waived for Members over 65 on High Yield and Enjoy! Rewards checking accounts and Members under 18 on Teen Checking accounts. Free Checking requires eStatements.
Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to credit approval. Use of an Out of Network ATM will result in a $3.00 withdrawal fee, per transaction, 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. Overdraft protection: Submit your preference in writing per Member Account Agreement. If no preference is listed, Courtesy Pay Program will be the default. Courtesy Pay will also take effect if funds are unavailable for transfer from preferences listed.
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. 3X Points - Earn three points (1 base point plus 2 bonus points) per every three (3) dollars of each qualifying transaction for groceries and utilities. These include retailer/service providers whose Visa Merchant Category Code (MCC) is classified as grocery (5300,5411 and 5499) or utility (4814, 4816, 4899 and 4900). 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.
Enjoy! Rewards Checking: $5 monthly service fee waived and up to $20 of ATM fee rebates paid when monthly qualifications of direct deposit or one bill pay, and 10 debit card transactions per month are met. Paper statement fee waived for Members with eStatements or over 65. 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 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 payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
High Yield Checking: APY = Annual Percentage Yield. Rates quoted effective 3-1-2025 and are subject to change without notice. 1.75% 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.
Teen Checking: Members under the age of eighteen requires a parent or legal guardian to be a joint signer on the account. Account converts to a Free Checking at age twenty. $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. Overdraft protection for teen checking is only permitted from a savings or parent's account, account does not qualify for courtesy pay or line of credit. If funds are not available transaction will be declined.