Checking Accounts

Cash Rewards Checking

Cash Rewards Checking is your Checking Account that pays. There are no hidden fees, no minimum balance requirements, just CASH Rewards!

Cash Rewards Checking...
Earn up to $175

Earn $50.00*

when you open a new Cash Rewards Checking Account with Direct Deposit!

Earn $10.00*

a month for one year just for using your Southland Debit Card!

Receive up to $20.00*

a month in ATM fee rebates!

Earn $5.00*

a year for using Southland eStatements!

Value Checking

Basic Checking is now Value Checking! Same great product with a fitting new name.

Value Checking

Get all the features you need with no service fees and no transaction requirements!

  • $0 Minimum Opening Deposit
  • Online & Mobile Banking
  • Free Online Bill Pay
  • Free Visa Debit Card
  • Free 1st Box of Checks
  • Receive Loan Rate Discounts with Autopay from Value Checking
  • Nationwide Access to 30,000 CO-OP ATMs and 6,000 Shared Branches
  • A fee-free checking account with eStatement opt-in

Free Checking

All the features you need with no monthly service fees. 

Free Checking

Get all the features you need with no service fees and no transaction requirements!

  • $0 Minimum Opening Deposit
  • Online & Mobile Banking
  • Free Online Bill Pay
  • Free Visa Debit Card
  • Free 1st Box of Checks
  • Nationwide Access to 30,000 CO-OP ATMs and 6,000 Shared Branches

Teen Checking

A checking account designed for teens ages 13 to 18! Teen Checking provides the tools your teen needs to enter the world with a solid financial foundation.

Teen Checking

Checking Account Comparison
Cash Rewards Checking* Value Checking Teen Checking Free Checking
Monthly service fee $5 $0 $0 Free
Minimum opening deposit $0 $0 $0 $0
Free eBranch online banking Yes Yes Yes Yes
Free ePay bill payer Yes Yes Yes Yes
Free mobile banking Yes Yes Yes Yes
Free Visa debit card Yes Yes Yes Yes
Nationwide access — CO-OP ATM & Shared Branch network Yes Yes Yes Yes
Southland Loan Rate Discounts Yes Yes
Southland Relationship Rewards Yes
$50 Bonus — after account opening with direct deposit Yes
$20/month ATM fee rebates Yes
$5 eStatement Bonus — paid annually Yes
$10/month debit card reward — after 10 debit card purchases Yes

*Existing Southland Credit Union checking account holders do not qualify for the $50 promotional offer for direct deposit or ePay/eTransfers. Current account holders may choose to convert their existing checking account to a Cash Rewards Checking Account, you may then qualify for the other rewards available. $50 direct deposit/ePay/eTransfer reward will be deposited to the checking account at the end of the month upon receipt of first direct deposit or first payment made. Qualifications must be met every month to qualify for rewards and reimbursement of ATM fees. Qualifications include direct deposit or use of ePay/ eTransfer every month and a minimum of 10 debit card purchase transactions posted and cleared per month. Must be enrolled in eStatements for 12 full months to earn the $5 reward. If these qualifications are not met, rewards and reimbursed fees will not be paid for that month. Reimbursed ATM fees include Southland out-of-network fees and third-party surcharges. Cash rewards begin on the month following account opening. Limit one cash rewards promotion per account. There is no minimum balance requirement to earn rewards. Offer is subject to change at any time, other terms and conditions may apply. Cash rewards earned are considered interest and will be reported on a 1099 to the IRS.

Membership is subject to eligibility. $5 Monthly Service Charge (Waived for Members with Direct Deposit or Use of Bill Pay every month). $2 monthly Checking Paper Statement Fee (Waived for Members under 18 and over 65; or with Direct Deposit, Southland eStatements, Bill Pay, loan balance, or average total deposit balance of $1,500 or more. )

Discover A More Rewarding Banking Experience

Great relationships deserve great rewards. The stronger your relationship with us, the greater your rewards! Relationship Rewards are designed to reward you with increased savings and benefits for making Southland your primary financial partner.

Earning Rewards Is Easy

If you qualify, you are automatically enrolled. Want to earn more? The higher your total balances, the greater your rewards!

Learn More

Members Can Earn Relationship Rewards like:

  • Free ATMs — Enjoy unlimited surcharge-free access to 30,000 CO-OP Network ATMs and even rebates on non-network ATMs
  • Cash Back — Receive cash back incentives just for using your account
  • Higher Certificate Rates — Earn a rate bump on new Certificate Accounts
  • Loan Discounts — Receive consumer loan discounts on current and future loans
  • And So Much More!

Banking On The Go

Man on Mobile Phone

Manage your Southland accounts anytime and anywhere with free* Mobile Banking. If you have a web-enabled phone or device, then Southland has an app for you. Mobile Banking makes banking secure, convenient and flexible. It’s like having a personal branch in your pocket.

Let's Get Started!

Most smartphones and web-enabled phones can download the Southland App from Google Play and Apple's App Store.

Access Options

Android...iPhone...Mobile Web...Yes!

Get mobile access to your accounts via a downloadable app or from your device's web browser.

If you're already a Southland eBranch user, then use your eBranch login details to log in to Mobile Banking. If you haven't registered for eBranch, follow the Register link from the eBranch login box at the top of the page.

Download the Android app
from Google Play:

Download Android app

Download the iPhone app
from the Apple App Store:

Download iPhone/iPad app