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. |
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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