We offer a range of Checking Accounts —
To help you successfully manage your daily expenses. All of our accounts come with a Visa® Debit Card. We also offer additional services to help you manage your cash, including:
- Online and Mobile Banking
- Bill Pay
- eStatements
- Direct Deposit
- Overdraft Protection
- No-fee ATM transactions at TSCU ATMs
- Access to over 55,000 fee-free AllPoint ATMs
Share Branch Network access across the country
Basic Checking
- No monthly service or per check charge
- Direct Deposit & Payroll Deduction
- Overdraft Protection Available
- Online Banking and Bill Payment Available
Checking Plus*
- Monthly Service Fee - $5 if balance falls below $750
- Dividends - On balances of $1,000 or more
- No per check charge
- Direct Deposit & Payroll Deduction
- Overdraft Protection Available
- Online Banking and Bill Payment Available
Heritage
Members age 55 and over
- No monthly service charge
- Dividends paid on average daily balance of $1,000 or more
- Three no-fee transactions (from TSCU) at ATMs of another financial institution, then $1.50 after (Surcharges may be assessed by the other financial institution)
Southern Way Checking
Members just getting started or 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)
- Upgrade to a Basic Checking account after 12-months of good account maintenance
Checking FAQs
Choose a Checking Account question by clicking the button below.
FAQs
Important Numbers for VISA Debit & Credit Cards
Card Support
770.719.111 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
Visa® Debit Cards
Your checking account at The Southern will come with a Visa Debit Card that you can use everywhere VISA is accepted, and the funds come directly from your checking account.
- Contactless tap-to-pay is the fastest way to use your card, and offers an added layer of security
- Use it in person, online and over the phone, or to get cash at ATMs
- Monitor your spending with our Mobile App, Online banking or by setting account text alerts
- Visa's Zero Liability Policy¹ protects y from unauthorized purchases
- Visa also offers Visa Secure for added security and Visa Purchase Alerts that can be updated or set at visa.com/purchasealerts
¹Visa's Zero Liability Policy is limited, and does not apply to anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.
Account Access
Access to your accounts is always easy at The Southern. 24/7 access is available via Online Banking and our Mobile App.
Telephone Service Center (TSC)
Monday—Friday 8:00 AM - 5:00 PM (EST)
770.719.1111 / 800.338.5882
TellerPhone—Automated Account Access Available 24/7
770.460.7899 / 800.922.5882