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Advantage Checking

Unlock the pow­er of your mon­ey and earn high­er pay­ing div­i­dends. If you’re look­ing for an every­day account with no month­ly fees, high­er earn­ings, and any­time, any­where online account access – then look no further!

Open Account

Features

  • Earn ATM Refunds1
  • High­er Earn­ings1
  • No Month­ly Charge
  • Over­draft Pro­tec­tion Avail­able from Savings 

Details

To earn up to $25 in ATM rebates each month, you must sat­is­fy the fol­low­ing requirements:

  • Enroll­ment in Cloud Doc­u­ments (eState­ments & eNotices)
  • 10+ deb­it card trans­ac­tions per month total­ing $100+
  • Establish/​Maintain:
    • ACH
    • Direct Deposit
    • or Pay­roll Distribution

Non-qual­i­fy­ing accounts are sub­ject to a month­ly ser­vice charge

For a full list of rates, fees, and relat­ed infor­ma­tion, please refer to our Rate & Fee Sched­ule. 

Advantage Checking Rates

TermAPYMinimum BalanceDividend Rate
Qualifying - Balance $500 - $20,000 4.00% $500 3.93%
Qualifying - Balance Over $20,000 4.00%-0.05% $500 0.05%
Non-Qualifying 0.05% $500 0.05%

* Sun, My Life and Advan­tage Check­ing accounts are only avail­able for nat­ur­al per­sons who are at least 18 years of age. Only Mas­ter­card Deb­it Card PIN and sig­na­ture-based pur­chas­es count toward qual­i­fi­ca­tion require­ments. If a mer­chant process­es your trans­ac­tion with­out a PIN or sig­na­ture, it may not qual­i­fy. Trans­ac­tions may take one or more bank­ing days from the date the trans­ac­tion was made to post to your account. Trans­ac­tions that have been ini­ti­at­ed but not post­ed as of the end of the cycle will not count as a qual­i­fy­ing trans­ac­tion for that cycle (but will count in the fol­low­ing cycle when they post). A month­ly qual­i­fi­ca­tion cycle is defined as the first cal­en­dar day through the last cal­en­dar day of the month. Rewards will be cal­cu­lat­ed and paid on the last day of each cycle. These accounts have applic­a­ble ser­vice charges if you do not meet month­ly qualifications.

1. In order for the account to qual­i­fy for the Qual­i­fy­ing Div­i­dend Rate shown above and receive ATM rebates up to $25 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 $100;
  2. Ini­ti­ate at least one (1) ACH or pay­roll deposit of $500 or more each month;
  3. Receive eState­ments or Cloud doc­u­ments; and
  4. Not be sub­ject to back­up with­hold­ing tax (if sub­ject to back­up with­hold­ing, account will be con­vert­ed to reg­u­lar Sun Check­ing). If you do not meet the qual­i­fi­ca­tions in any giv­en cycle, the account will earn the Non-Qual­i­fy­ing Div­i­dend Rate list­ed above and not receive the ATM rebate. If you meet all the qual­i­fi­ca­tions list­ed above, your bal­ance is in the $500 — $20,000 tier and you have a loan with us with a bal­ance over $1,000, you will earn the Bonus Div­i­dend Rate list­ed above.

For a full list of rates, fees, and relat­ed infor­ma­tion, please refer to our Rate & Fee Sched­ule. 

Open Account

Bank Anytime, Anywhere At Home or On-the-go

Enjoy a brighter bank­ing expe­ri­ence with Online Bank­ing and Online Ser­vices. Pay bills, view trans­ac­tion his­to­ry, enroll in eState­ments, receive account activ­i­ty alerts and much more.

Click or Tap

Access your account from any device — like your com­put­er, tablet, or phone. You can also down­load the Sun­belt FCU app on your Apple App Store or Google Play store.

Learn More
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Have a question about Sunbelt Advantage Checking?

Click any FAQ below. Or vis­it our full FAQ page for all ques­tions and answers.

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.

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.

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 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.

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.