How to avoid monthly service and paper statement fees

Enjoy! Rewards Checking

To avoid the $5 monthly service fee, use direct deposit or perform one bill pay per month, and complete 10 debit card transactions per month. 

Interest Checking

To avoid the $5 monthly service fee, use direct deposit or perform one bill pay per month.

Paper statement fee

Enroll in eStatements to avoid the paper statement fee. You can opt-in for eStatements at any time in your Digital Banking account. The paper statement fee is also waived for Members under 18 on Teen Checking accounts. Free Checking requires eStatements. 

Membership is subject to eligibility. All new accounts will be verified through ChexSystems and are subject to credit approval. Use of an Out of Network ATM will result in a $3.00 withdrawal fee, per transaction and inquiry, and possible third-party surcharges. Web/App access is needed to use Digital Banking. You may be charged access rates depending on your carrier. Check with your service provider for details on specific fees and charges. Some restrictions may apply. Mobile Deposits are available to Members in good standing only. Overdraft protection: Submit your preference in writing per Member Account Agreement. If no preference is listed, Courtesy Pay Program will be the default. Courtesy Pay will also take effect if funds are unavailable for transfer from preferences listed. Paper statement $5 monthly fee waived with eStatements or Members under 18. Excludes Free Checking , HELOC or Visa loan statements.

Enjoy! Rewards: Enjoy! Rewards Checking and/or an Enjoy! Rewards Visa® Platinum credit card is required to participate in the Enjoy! Rewards program. Program conditions and restrictions may apply. Not available on all Southland Visa cards.

Points: You’ll earn points on purchases of products and services, minus returns or refunds, made with an Enjoy! Rewards debit card. Debit card purchases earn one point per every three (3) dollars of each qualifying transaction. Enjoy your way – Earn 3X Points (1 base point plus 2 bonus points) per every three (3) dollars of each qualifying transaction for the three categories you choose. These include retailer/service providers whose Visa Merchant Category Code (MCC) is classified as grocery (5300,5411 and 5499), utility (4814, 4816, 4899 and 4900), gas (5541, 5542 and 5552), restaurants (5812 and 5814) and travel (4511, 7011, 7512/3000-3308, 4722, 4111, 4121 and 4131). Additional points accumulated for other banking relationships, products and services. For complete details, refer to Enjoy! Rewards Program Terms and Conditions at SouthlandCU.org/enjoy. Offer is subject to change without notice.

Enjoy! Rewards Checking: $5 monthly service fee waived and up to $20 of ATM fee rebates paid when monthly qualifications of direct deposit or one bill pay, and 10 debit card transactions per month are met. 

Interest Checking: APY = Annual Percentage Yield. Rates quoted effective 3-1-2025 and are subject to change without notice. 1.75% APY earned on balances up to $10,000, 0.10% on balances of $10,001 and up. Monthly service fee of $5 waived with direct deposit or one bill pay per month. 

Teen Checking: Members under the age of eighteen requires a parent or legal guardian to be a joint signer on the account. Account converts to a Free Checking at age twenty. Overdraft protection for teen checking is only permitted from a savings or parent's account; account does not qualify for courtesy pay or line of credit. If funds are not available transaction will be declined.

Direct deposit: Early access depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

ATM and Digital Banking: Unlimited FREE ATM Transactions at Southland Network ATMs, which includes all Southland and CO-OP® ATMs. Use of an out of network ATM will result in a $3.00 withdrawal fee, per transaction and inquiry, and possible third-party surcharges. Web/App access is needed to use Digital Banking. You may be charged access rates depending on your carrier. Check with your service provider for details on specific fees and charges. Some restrictions may apply. Mobile Deposits are available to Members in good standing only.