Checking

Successfully manage your daily expenses. A checking account with The Southern makes life a little easier.

The Southern offers a range of share draft checking accounts!

We also offer additional services to help you manage your cash expenses including:

  • Debit cards
  • Online and Mobile Banking
  • Direct deposit
  • Overdraft Protection.

View RatesCompare Accounts

Compare Checking

Effective as of 12/1/2020

FeaturesBasic CheckingChecking PlusHeritage

Minimum Monthly Balance (to avoid monthly fee)

 

None

$750*

None

Per Check Charge

None

None

None
Monthly Service Fee

None

None or $5 if balance falls below $750

None

Dividends

None

Yes, on balances of $1,000 or more

Yes, on balances of $1,000 or more

Unlimited Checking

X

X

X

Direct Deposit & Payroll Deduction

X

X

X

Overdraft Protection Available

X

X

X

Online Banking and Bill Payment Available

X

X

X

ATM or Visa Check Card Available

X

X

X

ATM Fee for Using The Southern’s ATMs

No

No

No

ATM Fee for Using Foreign ATM**

$1.50**

3 Free Transactions, then $1.50**

3 Free Transactions, then $1.50**

Automated Phone Account Access

X

X

X

*A $5.00 monthly service charge applies if an account falls below the $750 minimum.
** The owner of a foreign ATM may also charge a usage fee.
Fees are subject to change without notice. 

Basic Checking

  • No monthly service or per check charges
  • No minimum balance required
  • No-fee ATM transactions at TSCU machines (Fees may be assessed when using another financial institution’s ATM)
  • Access to over 55,000+ AllPoint ATM locations for totally fee-free transactions
  • Overdraft protection available
  • Manage your accounts 24/7 through Online and Mobile Banking
  • Share Branch Network access
  • Debit Card - $500 daily cash out limit and $2500 POS (Point of Sale)
 .

Important Numbers for VISA Debit & Credit Card

Card Support:
770.719.1111 or 1.800.338.5882

Activation and PIN Selection:
1.800.992.3808

Lost or Stolen Cards (After Hours):
1.800.472.3272

Fraud Alert Service:
1.877.273.5740

Checking Plus

  • No monthly service fee with an average daily balance of $750 or more
  • Dividends paid on average daily balances of $1,000 or more
  • No-fee ATM transactions at TSCU machines
  • Three no-fee transactions (from TSCU) at ATMs of another financial institution (Surcharges may be assessed by the other financial institution.)
  • Access to over 55,000+ AllPoint ATM locations for totally fee-free transactions
  • Overdraft protection available
  • Manage your accounts 24/7 through Online and Mobile Banking
  • Share Branch Network access
  • Debit Card - $500 daily cash out limit and $2500 POS (Point of Sale)

Heritage Checking

Members age 55 and over

  • No monthly service charge
  • Dividends paid on average daily balance of $1,000 or more
  • No-fee ATM transactions at TSCU machines
  • Three no-fee transactions (from TSCU) at ATMs of another financial institution (Surcharges may be assessed by the other financial institution)
  • Access to over 55,000+ AllPoint ATM locations for totally fee-free transactions
  • Overdraft protection available
  • 1 Free order of Heritage Club Checks
  • Manage your accounts 24/7 through Online and Mobile Banking
  • Debit Card - $500 daily cash out limit and $2500 POS (Point of Sale)

Why the Southern?

Building financial success one member at a time.

Get Answers

Need to Reorder Checks?

Conveniently order checks online through Harland Clarke.

Order Now

Southern Way Checking

Members looking for a second chance to establish a solid financial account.

  • No monthly service charge
  • No minimum balance required
  • Overdraft protection available
  • Debit Card - $200 daily cash out limit and $500 POS (Point of Sale)
  • e-Statement REQUIRED
  • Share Branch Network access (90 days after account opening)
  • Payroll deposit recommended
  • Minimum of 6 month’s positive account activity (ACH and debit transactions; not just cash/check in and out) to be considered for a Basic Checking Account.

Checking FAQs

Choose a Checking Account question below

Can I have more than one checking account?
  • Yes, members 16 and older can have up to three (3) Checking Accounts per membership.

At what age can my minor child have a Savings and/or Checking Account, and do I need to be a joint owner? Can someone else be joint on my child’s account besides a parent?
  • A child under the age of eighteen may have a Savings Account as long as they have an adult as a joint owner on the account. The adult may be a non-guardian, however, for children ages 12 and under, the parent or guardian must sign to allow the account to be opened.
  • A child of sixteen or seventeen may have a Checking Account as long as they have a responsible member as a guarantor on the account.
  • At eighteen years of age the applicant may have Savings and Checking Account without parental consent or a joint owner.