MyLife Checking
Introducing MyLife Checking with MyLife Rewards — an account where everyday life meets rewarding experiences. Earn points on purchases, access exclusive discounts, and more. Elevate your financial experience with this vibrant account!
Features
- Earn Dividends1
- Earn Cash-back Credit2
- MyLife Rewards Benefits*
- Credit/ID Monitoring & Protection
- Cellphone Protection
- Telehealth & more
MyLife Checking Rates
Term | APY | Minimum Balance | Dividend Rate |
---|---|---|---|
Minimum Balance for APY Met | 0.05% | $500 | 0.05% |
Minimum Balance for APY Not Met | - | - | 0.05% |
* Registration required for MyLife Rewards Benefits.
1 The minimum balance required to earn the stated Annual Percentage Yield is identified above. If you do not maintain the minimum balance, you will not earn the stated Annual Percentage Yield.
For all accounts, dividends are calculated by using the Daily Balance method, which applies a periodic rate to the balance in the account each day.
2 1 In order for the account to qualify for a $1.00 (up to $5.00) monthly credit for a particular qualification cycle, you must satisfy the following requirements: 1) complete ten (10) Mastercard Debit Card PIN or signature purchases for a total of at least $200; 2) initiate at least one (1) ACH or payroll deposit of $250 or more to the account; 3) receive eStatements or Cloud documents; 4) maintain an average daily balance of $500 or more; and 5) have an active loan with us with a balance of at least $1.00.
EARN MONTHLY CASH-BACK CREDITS You will earn a $1.00 credit every month for each of the following:
Sunbelt Financing – Minimum of 1 Loan
10+ Debit Card Transactions per Month
ACH, Direct Deposit or Payroll Distribution of $250 or more
An Average Daily Balance Over $500
Conduct $200+ in Debit Card Purchases
MyLife Rewards Turn everyday spending into rewards — with perks in every swipe. Explore the benefits:
Credit & ID Protection
Cell Phone Protection
AD&D Coverage
Telehealth
Buyer’s Protection
MyLife Checking Account Holders
Turn everyday spending into rewards. MyLife Checking gives account holders premium perks — just like a rewards card. Track and manage it all through your MyLife Rewards dashboard. Registration required to earn. Click ‘Register’ below to begin.
Already registered for MyLife Rewards?
Login to your MyLife Rewards dashboard using the link below.
Have a question about MyLife Checking?
Click any FAQ below. Or visit our full FAQ page for all questions and answers.
The easiest way to add or remove a joint owner is to have them come into a local branch with you to speak to one of our Financial Services Representatives. They will also need to bring their current driver’s license or identification card. Please note that if you have additional co-owners on your account, all parties need to be present before another individual can be added or removed. If all parties can not be present at the same time, a Financial Services Representative will work with you to determine other available options.
If your employer offers direct deposit, you will sign up through them. We can provide you with a direct deposit form that contains your routing number (265377633) and Sunbelt account number(s). Your checking account number can be found at the bottom of any checks you may have for your account. If you do not have a checking account, you will provide the same routing number and your member number, which allows your employer to place the funds directly into your savings account. If your employer requires a direct deposit form, please visit your local branch or contact our Account Services team at 601−649−7181 (option 2) during normal business hours.
Always be cautious when providing your personal account information. If you are providing the information to someone other than your employer for a direct deposit or withdrawal, be sure you are familiar with the company or individual, and take steps to ensure that you are not giving the information to someone looking to commit fraud.
All card holders are entitled to one free replacement card per 12-month period. If your card is lost or stolen, there is a $15 card replacement fee.
If you believe that your Sunbelt debit card or credit card has been lost or stolen, contact us immediately at 601−649−7181 (option 3) 24 hours a day. You may also contact our Account Services Department at 601−649−7181 (option 2) during normal business hours. Be sure to monitor your account closely for any fraudulent transactions, and remember to contact any companies who draft your account automatically by debit card to make arrangements and update your payment information.
If there are pending or cleared transactions on your account activity that you do not recognize, you may have been a victim of fraud.
We recommend first contacting the merchant to see if they will reverse the transaction or refund the money. If the merchant is unable to assist you, your next step should be to contact Sunbelt’s fraud department at 1−800−808−6402. They can research the transaction and provide you with the next step. In some cases, you may be instructed to contact the credit union to complete additional paperwork. You can visit any Sunbelt branch to complete this form and have it faxed to the appropriate location. If you are unable to come into a branch, please contact our Account Services department at 601−649−7181 (option 2) during normal business hours for assistance.
If this is your first time ordering checks, please visit your local Sunbelt branch or contact our Member Services Department at 601−649−7181 (option 2) during normal business hours. If you have previously ordered checks with Sunbelt, you may reorder them through Cloud Banking or here.
Sunbelt charges different fees for different checking products. Please refer to our Rates & Fees Schedule for the current list of fees associated with each product. If you have any questions about a fee you may have been charged, please call our Account Services Department at 601−649−7181 (option 2) during normal business hours or visit any Sunbelt FCU branch.
You can place a stop payment on a check through your Cloud Banking at no cost. Simply log in to Cloud Banking, click the “Cloud Services” tab, select “Stop Payment.” and enter in the check number for the payment you wish to stop.
If you need to place a stop payment on more than once check in a series, leave the dollar amount blank and enter the first and last check number of the series you would like stopped. Please note that if you contact our Account Services department (during normal business hours), or visit your local Sunbelt branch to place a stop payment, there is a $35 fee.
If the merchant that has the check converts it to an ACH (direct) withdrawal, the item may still clear. If you would like a stop payment to be removed from a check, you can remove it through Cloud Banking (if the stop was placed via Cloud Banking), contact our Account Services Department, or visit your local Sunbelt branch. Stop payments that are completed in the branch or through Cloud Banking are in effect for six months. Stop payments requested verbally (such as over the phone or through the Account Services Department) expire after 14 days.