Please select if you are a member or non-member so that we can take you to the appropriate application.
Lowest Opening Balance
Deposit $100 to open your checking account.
Anytime, Anywhere Banking
Make transfers, pay bills, download statements, and plan ahead from any device. Learn More
Visa® Debit Card
Add a Visa® debit card with Fraud Text Alerts to make life easier.
Free Checks Option
Choose the standard design and we’ll send you 1 package per year.
Overdraft Protection
Avoid the embarrassment and frustration of running out of money when you add overdraft protection to your membership. Review Policy
Member Advantages
The more you utilize your credit union membership, the more it will benefit your business. Learn More
| Product | Minimum | Max/Fees | Rates |
|---|---|---|---|
|
Basic Checking
Our basic option requires no monthly fees, no minimum balance, and comes with a debit card. |
$0
|
$0
|
0%
APY*
|
|
Premium Checking
This account gives you the chance to earn higher interest the more you use your account. |
Tier 1**
|
$0+
|
0.00%
APY*
|
|
Tier 2***
|
$0+
|
0.01%
APY*
|
|
|
Tier 3****
|
$0 - $20,000.00
|
2.01%
APY*
|
|
|
Tier 3****
|
$20,000.01+
|
0.01%
APY*
|
|
|
EzMoney Checking
Your $50 initial deposit opens your own checking account (high school and college students). |
$50 minimum
|
|
Ask Us
|
Overdraft Protection
Avoid the embarrassment and frustration of running out of money when you add overdraft protection to your membership. Review Policy
Shared Accounts
Link your account with others in your family to make transferring funds quick and easy.
Going Paperless
E-Statements and E-Notices keep you up to date on your financial life. Learn More
Frequently Asked Questions
The routing number for SouthPoint Financial Credit Union is 291976493.
Use the routing number, along with your account number to set up direct deposit or ACH transfers to your account.
If you come into one of our branches and receive an Instant Issue card, you will also choose your PIN at that time and your card will be active. If you receive a card mailed to you, you will need to call the phone number on the debit card sticker (800-992-3808) to activate your card.
- Please contact us to let us know where and when you are traveling
- Call SouthPoint Financial Credit Union at 877-794-6712, Option 2 - 24 hour service 7 days a week.
- If you are traveling outside of the U.S., please note that some countries have restrictions that may limit how you can use your card. Contact the Credit Union for details.
- Use your card regularly within the first three days of your trip. This helps establish a pattern of usage outside your normal transactions.
- Make sure to have your SouthPoint App available on your phone to spot check your account use.
- Ensure that your card is activated prior to your trip and you know your PIN
- CardValet offers real-time card controls, helping you manage your finances by specifying how, when and where your card is used with just a few taps on your smartphone.
Please note that transactions are sometimes blocked based on a particular merchant, merchant location or time of day. If your card doesn’t work at one merchant/machine, it is possible that it will work in a different area/machine/merchant.
Additional Information:
Call 1-877-794-6712 Option 2 24 hour service 7 days a week, if you experience difficulties.
Call 1-877-794-6712 Option 1 if your card is lost or stolen.