Alerts & Texts

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.

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.

Yes, SouthPoint offers CardValet – debit card controls and alerts.

Get the mobile app that lets you control debit card usage and spending on-the-go! CardValet works alongside your Mobile Banking app to give you additional controls.

• Turn your debit card on and off
• Establish transaction controls for spending amount limits, merchant categories and geographic location
• Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you
• Stay informed of potential fraud with alerts on attempted and/or declined transactions
• Get real-time balances for your checking account

Check out our ATMs + Branches Locator to help you find the location nearest to you or one of over 100,000 surcharge-free ATMs near you.

Don’t forget to check out Mobile Banking, too! Mobile Banking lets you transact with your mobile device on-the-go. Check your balance, make transfers and deposits, or pay bills with ease anywhere, any time.