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Advantage Checking

Advantage Checking is the perfect account for those looking for higher earnings and the ability to access virtually any ATM in the world without ever having to pay an ATM fee!



Amazing low rates with a Sunbelt Credit Card


Advantage Checking

 Higher earnings - as much as 3.0% APY
 ATM refunds - up to $25, every month
 No monthly cost - qualifying required, see details below




See how your ATM network stacks up

Chart of ATM network comparison of Central Sunbelt's network of over 60,000 free ATMs versus competitors


Qualifying is easy!

All Advantage Checking rewards are granted upon qualifying.



Here is how you can qualify:


 Enrollment in Cloud Documents (e-statements / notices)

 Establish ACH / Direct Deposit / Payroll Distribution

 Use Debit card (10+ transactions / month, totalling >$100)


Non qualifying accounts are subject to a $3 monthly service charge.




Learn More

What do I need to bring with me to get started?

To open an account with Sunbelt, you will need to bring in two valid forms of Government Identification. For example, your Drivers License and Social Security Card. Also, proof of residence such as a utility bill or a lease.

What is the opening balance requirement for a checking account?

There is no opening deposit required for any of Sunbelt's checking accounts!

How many free ATMs do I have access to?

Sunbelt account holders have access to over 60,000 free ATMs across the United States! Click here to find the free ATM closest to you.

Are my funds guaranteed / insured?

Yes. Your funds are federally insured by the National Credit Union Administration (NCUA) up to $250K.Like the FDIC, the NCUA insures your deposit through the NCUSIF, backed by the full faith and credit of the US government.



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  Call Us: 601-649-7181



Advantage Checking Details
Advantage Checking: Qualifying required for membership. Extended network of over 60,000 ATMs available with Sunbelt Check Card using Advantage Checking. Qualifying for Advantage Checking requires 10+ transactions totaling $100 or more, enrollment to Cloud Documents in the Cloud Branch online, and a minimum of 1 ACH deposit or direct deposit post per calendar month. APY=Annual Percentage Yield. Qualifying required to receive full benefits of Advantage Checking each month. Members who do not meet monthly requirements will receive standard paying dividend rates, be excluded from ATM fee reimbursements, and incur a fee. See fee disclosure for details on fee amount. Rates subject to change at any time. SFCU is not responsible for the methods merchants use to process transactions. Transactions must post during the calendar month. Please review your account history to verify qualifying transactions. See current fee schedule for updated fees.

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Sunbelt is changing the way you bank.  As a not-for-profit financial institution, owned by its members, the most powerful driving force is your voice