Mobile Enhancements

Log in to Mobile or Online Banking and go to the Bill Pay tab. Accept the disclosure and you'll be signed up and ready to pay bills.

Bill Payment is very easy to use. Just enter a bill you want to pay and when you want it paid, and the credit union does the rest. 

It's fast, easy, and best of all free! If you have any questions, contact Member Solutions at 877-794-6712.

The back of the check must include the following when depositing via Mobile Deposit:
  • Member’s signature
  • “via Mobile Deposit" written at the bottom of the signature.

If a properly endorsed deposit is made before 3:00pm CT Mon-Fri and is approved, it will be credited that same day. If a properly endorsed deposit is made after 3:00pm CT Mon.-Fri. or on weekends or holidays and is approved, it will be credited the next business day.
If your deposit was rejected, check your email for an explanation.

There is no fee. However, standard wireless carrier data and charges apply; so please make sure you understand the terms of your mobile agreement before using the Mobile Deposit feature.
Mobile Deposit has a maximum deposit limit of $10,000 per day.
After depositing a check via Mobile Deposit, you will receive a confirmation status email. However, the check may be rejected during the review process.
Mobile Deposit allows you the consumer to deposit checks into your checking account using your Android or iPhone via the SouthPoint Mobile banking app.

You would need to download & install the SouthPoint Mobile banking app. Once logged into SouthPoint Mobile Banking app, you can utilize your phone camera on your Android or iPhone device to upload images of your checks to your checking account.

The following items are eligible for mobile deposit: Personal Checks, Business Checks, Government Checks, Cashier’s Checks, and Official Checks. Only checks made payable to the account owner(s) or to SouthPoint Financial Credit Union can be deposited using Mobile Deposit.

The purchase rewards program lets you earn rewards by using your SouthPoint debit card to purchase merchandise and services.

The program is available to all debit Cardholders. Through this program, you’ll receive targeted offers to receive rewards on purchases based on how you shop. As a Cardholder, there is no limit to the rewards you can earn.

So, the more you use your SouthPoint debit card, the more offers you can receive and the more rewards you can earn!

Checks that have been successfully deposited via Mobile Deposit should be retained by the member for no less than 90 days and then destroyed or shredded.

Only debit cards at SouthPoint are eligible to receive purchase rewards offers.

Yes, SouthPoint has a mobile app where you can manage your finances anywhere, anytime! Mobile Banking lets you stay on top of your account activity safely and securely when you're on-the-go. It gives you the accessibility you need to perform financial transactions from your smart phone or tablet*. Here are just a few examples of what Mobile Banking allows you to do:

  • View account balances and history
  • Make transfers and deposits
  • Pay bills in seconds

It's simple! Download our Mobile Banking app today:

  • iPhone: Visit the iTunes App Store and for Android: Visit the Google Play Store
  • Search for "SouthPoint FCU"
  • Install the Mobile Money App like you would any other App!

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We also offer an app called CardValet to help you control your debit card and receive real-time alerts. Search the More section in your mobile app and select "CardValet" to download.

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

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*Additional data charges may apply for internet usage depending on your wireless carrier. Please consult your wireless provider/carrier for details on related rates and charges.

Check out our ATMs + Branches Locator to help you find one of over 37,000 surcharge-free ATMs or a branch near you.
 

Don’t forget to check out the credit union's Mobile Banking app too! Our Mobile Banking app 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.

Yes, as long as the amount paid with your financial institution’s debit card meets the requirements of the offer after the coupon or discount is applied.

Yes, you can request money from up to five contacts at once on the Split screen. You can request the same or different amounts per person.

The primary device is used to track the GPS for My Location alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the CardValet settings for that card.

No, you may only use Mobile Deposit to deposit checks into your SouthPoint checking account. You can then transfer your payment from you checking account.

Zelle

A personal message gives your contacts the reason for the request and the confidence that they are receiving a valid request.

It's easy – Zelle is already available within online Bill Pay and your mobile banking app! Check out our app or sign-in online and follow a few simple steps to enroll with Zelle today.

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2. Zelle should only be used to send money to people you trust. Neither your financial institution nor Zelle offers a protection program for any authorized payments made with Zelle. Money sent through Zelle cannot be recovered.

To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes1.

To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"3.

1Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
2Must have a bank account in the U.S. to use Zelle.
3In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

Users can keep track of their Zelle money requests by visiting the Activity tab under Zelle in their online or mobile banking.

Instant is used when the recipient is already in the Zelle network.
To send money you only need your recipient’s email address or mobile phone number. You can also enter a recipient’s bank account.
If you send a payment using your recipient's email or mobile phone number, an automated email or text message will be sent immediately with instructions on how to receive the money you send. If you send money direct to someone’s bank account, no notifications is sent.
Within 2 business days after the payment expires.
Limits are set by the financial institution and therefore can vary. A limits link on the Send screen gives each user their own limits.

Currently our SouthPoint limit is $2500 per day/per processing time. Incoming transaction limits are regulated by the other Financial Institution.
No. Mobile carrier fees may apply.

If your email or phone number is wrong in Zelle, go into Online Banking and edit it on the My Settings screen.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither your financial institution nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

To request money, enter the contact’s email address or mobile number. You cannot send a request to a non-registered mobile number.
No. It can take up to three business days for the requestor’s account to receive the money. The requestor can also check the payment status.

Absolutely! You can use Zelle in the “common app” (which means online at zellepay.com or in the Zelle mobile app) as well as at multiple financial institutions.

Although you can have multiple instances of Zelle, a phone number or an email (tokens) can be linked to only one instance. This ensures when someone sends money to that token, the Zelle network will know where to deposit the funds.

No, you cannot use Zelle internationally. Both the sender’s and the recipient's bank accounts must be based in the U.S

Your contact receives an email or text with instructions.

If you answer your authentication questions incorrectly, your account will be locked. To unlock your account, contact Member Solutions at 877-794-6712.

Money Management Tools

  1. From the Account tool, click Add an Account on the right to open the "Add Accounts" window

  2. Search for a financial institution by its name or URL

  3. Select the institution from the list and enter the requested login credentials

Note: Some institutions also use multi-facto authentication as part of the log in process

Sometimes it’s just not possible to automatically bring in important financial information. It might be that one of your financial institutions doesn’t support our software, or it might be that you paid off your home a decade ago, so there wouldn’t be an online account with any information about it.

In these kinds of situations, you should add a manual account. This will allow you to keep track of things with a lot of value: property like a home or car, cash that isn’t in a bank, a credit card that isn’t compatible with the tools, a loan you’re paying back to a friend.

These are all critical to your finances, so you should feel free to add as many as necessary.

Steps to add a manual account:

  1. Click Add an Account at the top right of the Accounts Tab
  2. Click Add Manual Account at the bottom of the window
  3. Choose an account Type. You can choose from the following: Checking, Savings, Loan, Credit Card, Investment, Line of Credit, Mortgage, Property, Cash, Insurance, Prepaid, Other
  4. Enter in the details
  5. Click Save
Note: Getting the details you’ll need for step 4 may require pulling out a paper statement, making a call, or logging on to another online account — but it’s worth it. The app will be more accurate — and you’ll rest easier — knowing you’ve got all the information you need to take full advantage of this powerful software.
If you don’t want an account to be used in any of the available features or reports, you can choose to hide the account. This way, no information or transactions from that account will be factored into other tools. The data related to that account won’t be deleted, however, and you can easily unhide an account.
  1. Bring up the "Account Details" window for the account you wish to hide by clicking the account
  2. Click the ... button on the right and choose "Hide Account" from the dropdown menu
  3. Click "Hide" to confirm, or click "Cancel" if you change your mind

Mobile Pay

  • Make sure your compatible Samsung device is updated with Samsung Pay
  • Take a picture of your SouthPoint Visa Credit and Debit card with your device’s camera
  • Secure it with your fingerprint and backup PIN and you’ll be ready to go
  • Tap to launch the Google Pay app.
  • Tap the add card icon, which looks like a “+” symbol.
  • Tap add a credit or debit card
  • Follow along with the onscreen instructions. You’ll have the option to scan your card using your phone’s camera or manually enter your card information.
  • On iPhone® open the Wallet app and tap the plus sign. From there, follow the onscreen instructions.
  • On Apple Watch™ open the Apple Watch app on your iPhone and select “Wallet & Apple Pay,” then tap “Add Credit or Debit Card.” From there, follow the onscreen instructions.
  • On iPad® go into Settings, open “Wallet & Apple Pay,” and select “Add Credit or Debit Card.” From there, follow the onscreen instructions.
Mobile wallet offer a convenient and secure way to make purchases using a mobile device. With a quick tap of your phone, you can use your SouthPoint VISA Credit or Debit card to pay at over one million U.S. merchant locations that accept mobile payments.
  • Apple Pay
  • Samsung Pay
  • Google Pay

The Card Valet App

  • Download the CardValet app from Apple Store of Google Play
  • Open the app and select New User
  • Enter your 16-digit card number
  • Enter additional card details as requested
  • Validate your identity
  • Create your user name and password
  • Then log in and begin customizing your options
You must create a unique login account for each financial institution. Each login account is applicable for a single financial institution. In the login page, the logo of the last logged-in financial institution shows.

If the card number is new, then the user must add the new card number to the user's profile. In addition, the user may unmanage the old card by accessing Manage Portfolio.
If the card number is the same, no action needs to be taken.

If you did not receive the security token, you should check your spam or junk folder. The email is from Elastic Email On Behalf Of SouthPoint. The one time registration password is forwarded to the email address that is on the cardholder record. The one-time Forgot Password security token is sent to the email address that the user entered when registering in CardValet.
There is no limit to the number of cards you can register.

Alerts & Texts

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.

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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