Enjoy! Rewards Checking features

Enjoy Your Way: Choose three spend categories for 3X points

Earn 1 point per $3 spent on everything else

No caps on earning or redeeming

Bundle your points with an Enjoy! Rewards credit card

Earn up to $20 per month in ATM rebates

$0 minimum opening deposit

Get paid up to two days early with direct deposit

Convenient transaction tracker

$5 monthly service fee waived with direct deposit or one bill pay, and 10 debit card transactions per month

Checking account benefits

Visa debit card with tap to pay

Free eStatements

Digital Banking

Nearly 6,000 shared branches

Digital wallet payments

Nearly 30,000 surcharge-free ATMs

 

Go ahead—play favorites.

Your routine isn’t one-size-fits-all, and your rewards shouldn’t be either. Enjoy Your Way lets you pick three categories for 3X points with Enjoy! Rewards Checking, so you can earn more on what matters most right now: dining out, grocery runs, streaming and bills, road trips or travel plans.

Learn more about Enjoy! Rewards

Upgrade your Southland checking

Already have a Southland checking account? No need to worry about getting a new debit card, updating direct deposits or adjusting automatic bill payments—everything transfers seamlessly when you convert your account.

Convert to Enjoy! Rewards Checking

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: 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.