Checking

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Successfully Managing Your Daily Expenses

The Southern is your best choice for personal banking services, including checking accounts, and we’ll work to earn your business every day. The Southern offers a range of share draft checking accounts, plus additional services to help you manage your cash expenses – ATM cards, debit cards, online banking, direct deposit and overdraft protection. You can trust The Southern to deliver all the features you expect from a checking account at a first-class financial institution – convenience, efficiency, safety and value.

Basic Checking

  • No monthly service charge
  • No minimum balance No per check charge
  • No-fee ATM transactions at TSCU machines (Fees may be assessed when using another financial institution’s ATM)
  • Overdraft protection available
  • Monthly statements provided

Checking Plus

  • Dividends paid on average daily balances of $1,000 or more
  • No monthly service fee with an average daily balance of $750 or more; if your balance falls below $750, the monthly fee is only $5.00.
  • No per check charge
  • 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)
  • Overdraft protection available
  • Monthly statements provided

Heritage

  • For members age 55 and over
  • No monthly service charge
  • Dividends paid on average daily balance of $1,000 or more
  • Unlimited check writing
  • 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)
  • Direct deposit of pension and retirement checks
  • Convenient telephone transactions
  • 1 Free order of Heritage Club Checks
  • Free notary public services
 
Checking1 08/09/2013
 
Features Basic Checking Checking Plus Heritage
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 Yes Yes Yes
Direct Deposit & Payroll Deduction Yes Yes Yes
Overdraft Protection Available Yes Yes Yes
Online Banking and Bill Payment Available Yes Yes Yes
ATM or Visa CheckCard Available Yes Yes Yes
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 Yes Yes Yes
*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. 

Important Numbers for VISA Debit & Credit Card

Card Support: 770-719-1111 or 1-800-338-5882

Activation and PIN Selection: 1-800-992-3807

Lost or Stolen Cards (After Hours): 1-800-472-3272

Fraud Alert Service: 1-866-750-9107

 

Need to Re-order Checks?

To order checks click here