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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.