SPFCU Checking Accounts SPFCU Checking Accounts

You have checking choices

Put a smile back into your financial life with no monthly fees or minimum balances.

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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

Choose the standard design and we’ll send you 1 box 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
Regular Checking

Our basic option requires no monthly fees, no minimum balance, and comes with a debit card.

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$0
$0
0%
APY*
Money Market Checking

This account gives you the chance to earn dividends on balances of $1,001 or more.

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$0
$999.99
0%
APY*
$1,000.00
$9,999.99
0.05%
APY*
$10,000.00
$24,999.99
0.05%
APY*
$25,000.00
$49,999.99
0.05%
APY*
$50,000.00
$50,000.00 +
0.05%
APY*
Youth Checking

Your $50 initial deposit opens your own checking account (high school and college students).

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$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.

Your employer can establish direct deposit of your paycheck into your credit union account. They will need the credit union routing number (291976493) and your account number.
We can easily transfer funds for you. All we need is your account number for your personal and business accounts.
Have a trip coming? How exciting! Before you go, here are some helpful tips when using your credit union Debit Card while traveling!
  • 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.
Life happens. The key is to be prepared. We strongly encourage you to bring a backup card on your trip such as your SouthPoint Visa credit card or another credit card.

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.
Overdraft text messages will be sent daily at 10 a.m. CST from the phone number 44394. If a transaction generates an overdraft prior to 10 a.m., you will receive a text that day. If a transaction generates an overdraft after 10 a.m., you will receive a text message the following day. This is the same timeline overdraft notices were previously emailed.

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