Accelerate Your Rewards—Up to $400 Cash Back*

Open a new checking account, set up direct deposit, and unlock up to $400 Cash Back. Plus, Early Pay+ gets your paycheck up to 2 days early—no fees, no enrollment.

Open Your Account Today

Make Your Money Move—and Get Rewarded for It

Open a new SouthPoint Checking account and earn up to $400 cash back* when you set up direct deposit, enroll in Online Banking, Mobile Banking, and eStatements, and start using your debit card. Whether you’re looking for a fresh start or switching for better perks, this limited-time offer makes it easy to bank smarter and get paid for it.

Open Your Checking Today

Accelerate Your Payday with Early Pay*

Why wait for payday? With Earl Pay*, you can access qualifying direct deposits up to 2 days early—automatically, with no fees and no enrollment. It’s banking that moves at your speed.

Open Your Checking Today

Accelerate Your Rewards—Choose Your Level

$100 Cash Back* with Direct Deposit of $2,000+
$200 Cash Back* with Direct Deposit of $5,000+
$400 Cash Back* with Direct Deposit of $7,500+

Open Your Checking Today

Find the Account That Fits Your Life

Your goals are unique—your checking should be too. Compare our three stellar options and choose the one that accelerates your financial journey.

North Star Checking – Basic, no-frills account for simplicity.
Shining Star Checking – Premium perks for heavy debit card users.
Rising Star Checking – Interest-bearing for those who keep higher balances.
EzMoney Checking – You are 24 or younger and new to banking and looking for an account to get you started on the right foot to successful money management habits and avoid fees.

Open Your Checking Today

How It Works*

Open Your New Checking Account – apply online in minutes.
Set up Direct Deposit – minimum of $2,000 required in 90 days.
Enroll in Online Banking, Mobile Banking & eStatements – stay connected and paper-free.
Start Earning – complete 30 qualifying transactions and enjoy Early Pay+.

Open Your Checking Today

Disclosures

*Offer valid 12/1/25 – 1/31/26. Limit one account per membership. This offer is not available to current SouthPoint Financial Credit Union checking account holders or to individuals who have closed a checking account within the past 90 days or closed one with a negative balance in the last two years. You may receive only one new checking account bonus every four years, based on your last coupon enrollment date. Each coupon is valid for one-time use only. To qualify for the cash back bonus, complete the following within 90 days of opening a new EzMoney Checking, North Star Checking, Rising Star Checking, or Shining Star Checking account with a debit card (subject to approval): make 30 debit card transactions; enroll in online banking, mobile banking & estatements, receive $100 cash back with a direct deposit of $2,000+; receive $200 cash back with a direct deposit of $5,000+; receive $400 cash back with a direct deposit of $7,500+. You must be at least 16 years old to qualify. If under 18, a parent or guardian must be a joint account holder. Business and trust accounts are excluded. Micro-deposits (typically less than $1) do not count as qualifying direct deposits. Your account must remain open and unrestricted at the time of bonus payout. If the account is closed within six months of coupon enrollment, the bonus will be deducted at closing. Rates may change after account opening. All deposit accounts are federally insured up to $250,000 by the NCUA. Fees may reduce earnings. Employees, volunteers, and their immediate family members are not eligible.

+Early Pay Terms – SouthPoint may make certain direct deposits available to you up to two business days before we receive the funds from your payor—typically your employer. Early Pay is not guaranteed, may vary between pay periods, and can be discontinued at any time without notice. Early access depends on factors such as when we receive payment information from your payor. Always confirm your funds are available before spending to avoid overdraft fees. Available for personal accounts only. Not all direct deposits qualify for Early Pay. Eligible deposits generally include electronic ACH deposits such as payroll, pension, and government benefits. Deposits from person-to-person payment services (e.g., Zelle®, Venmo, PayPal), check or mobile deposits, or instant payments, and other online transfers do not qualify.

Accelerate Your Rewards—Up to $400 Cash Back*

Make Your Money Move—and Get Rewarded for It

Accelerate Your Payday with Early Pay*

Accelerate Your Rewards—Choose Your Level

Find the Account That Fits Your Life

How It Works*

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