Merchant Services

Effortlessly process card and digital payments, ensuring your customers enjoy a fast, secure and hassle-free checkout experience. Southland is proud to partner with Total Merchant Concepts (TMC) for their unwavering integrity and exceptional service. Plus, they offer competitive rates, low setup costs and the flexibility of no long-term contracts.

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Core Checking

A straightforward, no-frills checking account ideal for small businesses.

  • Includes up to 150 free transactions per month* 
  • 151+ at $0.30 per transaction per month*
  • $15 monthly service fee waived with an average daily balance of $2,500
  • $0 minimum opening deposit
  • Free Digital Banking featuring card management, mobile deposits and bill pay
  • Nationwide access to over 30,000 surcharge-free CO-OP ATMs 
  • Nationwide access to over 5,000 shared branches 

  • Overdraft protection available from a Southland Business Savings

  • Paper statement fee waived with free eStatements

Elite Checking

Designed for medium to larger businesses with higher transaction needs.

  • Includes up to 300 free transactions per month*
  • 301+ at $0.30 per transaction per month*
  • $25 monthly service fee waived with an average daily balance of $5,000
  • $0 minimum opening deposit
  • Free Digital Banking featuring card management, mobile deposits and bill pay
  • Nationwide access to over 30,000 surcharge-free CO-OP ATMs 
  • Nationwide access to over 5,000 shared branches 

  • Overdraft protection available from a Southland Business Savings

  • Paper statement fee waived with free eStatements

Nonprofit Checking

Financial services tailored for organizations that give back.

  • Includes up to 150 free transactions per month*
  • 151-300 at $0.10 per transaction per month*
  • 301+ at $0.30 per transaction per month
  • $5 monthly service fee
  • $0 minimum opening deposit
  • Free Digital Banking featuring card management, mobile deposits and bill pay
  • Nationwide access to over 30,000 surcharge-free CO-OP ATMs 
  • Nationwide access to over 5,000 shared branches 

  • Overdraft protection available from a Southland Business Savings

  • Paper statement fee waived with free eStatements

Accounts are available for 

Sole Proprietorships
Partnerships
Limited Liability Companies (LLCs)
Corporations
Not-for-profits, including charities
Small organizations, including homeowners’ associations

What you need to apply

Review and complete our Business Account Document Checklist to ensure all required documentation is included with your application. Incomplete submissions may delay the opening of your business account.

Business Document Checklist

Access Anywhere

Manage your Southland accounts anytime and anywhere with online and mobile banking.

Learn More About Digital Banking

Membership is subject to eligibility requirements. All new accounts are verified through ChexSystems® and may be subject to credit approval. Use of an out-of-network ATM will result in a $3.00 withdrawal fee per transaction. Additional surcharges may be imposed by the ATM operator or network. Digital Banking access requires web or mobile application access. You may be charged access or data rates by your wireless carrier. Contact your service provider for details. Some restrictions may apply. Mobile Deposits are available only to Members in good standing. Overdraft Protection: To establish or decline overdraft protection, you must submit your preference in writing as set forth in the Business Account Agreement.

*Transactions include cleared checks, deposited checks, and all external debits and credits; internal transfers are excluded.

Cash purchase and coin exchange fees may apply. Please refer to the Business Accounts Schedule of Fees and Charges for a complete listing of applicable account fees.