Sun Checking

ATM check deposits are auto­mat­i­cal­ly held for 7 busi­ness days. ATM deposits are reviewed through­out the day dur­ing reg­u­lar busi­ness hours, and the checks are either released into the account or the hold main­tained or extend­ed. If the check is not going to be released with­out a hold into your account, an Account Ser­vices rep­re­sen­ta­tive will con­tact you. Cash deposits made into the ATMs are typ­i­cal­ly released into your account with­in 30 min­utes. For a list of Sun­belt FCU ATMs that take deposits, click here. ATM hours of avail­abil­i­ty vary by location.

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.

The rout­ing num­ber for Sun­belt FCU is 265377633. There are two dif­fer­ent num­bers that work as your account num­ber. If you need the num­ber asso­ci­at­ed with your sav­ings account, you will need your mem­ber num­ber. This num­ber is pro­vid­ed to you at account open­ing, nor­mal­ly writ­ten on a small card. If you are look­ing for your check­ing account num­ber, you can find that infor­ma­tion at the bot­tom of any of your checks. If you do not have access to either of these num­bers, please vis­it your local branch to have a direct deposit form print­ed or con­tact our Account Ser­vices team at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours.

A deb­it card and a check card are the same thing. You can use these at stores, gas pumps, restau­rants, ATMs and for online shopping.

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.

All card hold­ers are enti­tled to one free replace­ment card per 12-month peri­od. After the free card has been issued, 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.

Sun­belt busi­ness accounts are opened by appoint­ment only. Please call our Account Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to sched­ule an appointment.

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 reviews all checks on a case-by-case basis to deter­mine if any holds will be required. If you make your deposit in per­son, your teller will let you know before pro­cess­ing the check if there will be a hold. If you deposit your check at an ATM, an Account Ser­vices Rep­re­sen­ta­tive will con­tact you if there will be any addi­tion­al holds. We are unable to reverse ATM check deposits due to holds.

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.

If your checks have been lost or stolen, it’s best to take imme­di­ate action. You can put a stop pay­ment on the miss­ing checks at no charge ²⁴⁄₇ by log­ging into the Cloud Branch. Click the Stop Pay­ment but­ton and enter the first and last check num­bers of the miss­ing checks, which will place a stop pay­ment on that series of checks. You can also vis­it your local Sun­belt branch to have a stop pay­ment placed on the checks (this will require a ser­vice fee). Stop pay­ment requests that are com­plet­ed in the branch or through the Cloud are in effect for six months. Stop pay­ments request­ed ver­bal­ly (such as over the phone through the Account Ser­vices Depart­ment) expire after 14 days.

If you feel that your check­ing account infor­ma­tion has been com­pro­mised, we rec­om­mend you vis­it your local branch as soon as pos­si­ble so that we can help you change your draft ID (check­ing account) num­ber and pro­vide you with the infor­ma­tion that you’ll need to give to your employ­er and cred­i­tors. (Please note that there may be a fee asso­ci­at­ed with this step.) You may also wish to con­sid­er fil­ing a police report — and if you’ve done so, please bring it in with you.

If you have addi­tion­al ques­tions, please con­tact our Account Ser­vices depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours, or 1−855−786−2228 out­side of nor­mal busi­ness hours.

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.