To enroll, log into your account from the Sun­belt app, click the ​“Cloud Deposit” tab and your appli­ca­tion will be sub­mit­ted to our Account Ser­vices Depart­ment. An Account Ser­vice Rep­re­sen­ta­tive will review your appli­ca­tion and con­tact you with­in 1 – 2 busi­ness days.

To enroll in eState­ments, you must be reg­is­tered and logged into Cloud Bank­ing. There, select the ​“Cloud Doc­u­ments” tab and open the PDF. Enter the code from the bot­tom of the PDF into the box on your online account page. Agree to the Terms and Conditions.

The Advan­tage Check­ing account ser­vice fee will be waived if you are enrolled for Cloud Doc­u­ments (eState­ments), have one ACH deposit, and make 10 deb­it card sig­na­ture trans­ac­tions that total at least $100. For a check­ing account to be con­sid­ered an Advan­tage Check­ing Account, the account must not be sub­ject to back­up withholding.

Also com­mon­ly known as a CD, a cer­tifi­cate of deposit is a sav­ings cer­tifi­cate enti­tling the bear­er to receive inter­est. A CD has a matu­ri­ty date and a spec­i­fied fixed inter­est rate, and can be issued in any denom­i­na­tion start­ing at $500. When you open a CD, your mon­ey is on deposit for a spe­cif­ic time peri­od. Because you agree to keep it on deposit for a spec­i­fied time peri­od, you earn more than you would in a reg­u­lar sav­ings account. If you cash in your CD before its matu­ri­ty date, you pay a penalty.

Inter­est rates on share cer­tifi­cates (also known as cer­tifi­cates of deposit or CDs) vary and are based on the term and on the open­ing bal­ance of the cer­tifi­cate. A list of our cur­rent sav­ings rates and term lengths can be found here.

Cosign­ers lend their names and good cred­it his­to­ries to help the mak­er (the pri­ma­ry bor­row­er) secure a loan. Should the mak­er die, lose a job or oth­er­wise fail to make pay­ments, all respon­si­bil­i­ty for meet­ing the terms of the loan trans­fers to the cosign­er. An often over­looked aspect of cosign­ing a loan is the fact that the loan appears on both the mak­er’s and cosign­er’s cred­it reports. As a cosign­er, it is your respon­si­bil­i­ty to be aware of the loan’s sta­tus and make any nec­es­sary arrange­ments should the oth­er bor­row­er not be able to reli­ably make payments.

It may be tempt­ing to view your 401(k) as a source of emer­gency funds, but before you con­sid­er access­ing your retire­ment account for cash, explore your alter­na­tives. We strong­ly advise you to con­tact your CPA, tax pre­par­er or finan­cial con­sul­tant to eval­u­ate any pos­si­ble tax­es or penal­ties that an ear­ly with­draw­al may cause.

Estab­lish­ing good cred­it requires a steady work record and con­tin­ued res­i­dence at the same address, as well as a good pay­ment his­to­ry with any cred­i­tors. Try to avoid late pay­ments, and if you have cred­it cards, try to keep your bal­ance at less than 30% of your avail­able cred­it. If you do not have a check­ing account, open one and ensure that there are suf­fi­cient funds to cov­er all checks you write. Read more about estab­lish­ing good cred­it by reach­ing out for expert finan­cial guid­ance through Green­Path, who can pro­vide you with free finan­cial coun­sel­ing. They can also be reached by phone at 601−649−7181 (option 6).

To make this deci­sion, cal­cu­late your month­ly pay­ments and your total net cost. Com­par­ing these amounts can help you deter­mine which option is right for you. Use our Auto Buy or Lease cal­cu­la­tor for help.

If you have two or more bill pay­ments come from your Sun­belt account each month, the ser­vice is free. For one or few­er pay­ments per month, there is a month­ly fee (see our Rates and Fees Sched­ule).

Sun­belt offers a vari­ety of ways to help cre­ate and main­tain your bud­get. All of our mem­bers have access to the Sun­belt Mon­ey Man­ag­er through Cloud Bank­ing. This con­ve­nient ser­vice can help you:

• Man­age your finances from any finan­cial institution
• Auto­mat­i­cal­ly cre­ate a bud­get based on your trans­ac­tions from the past 90 days
• Receive real-time alerts reflect­ing your bud­get­ing and finan­cial goals
• Pay bills and set up auto­mat­ic payments

Sun­belt also offers free finan­cial coun­sel­ing through Green­Path, which con­nects you with a cer­ti­fied expert who can help you cre­ate a bud­get, plan and achieve finan­cial goals, and more.

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.

To locate a CO-OP Shared Branch loca­tion with hours of oper­a­tions, search here.

The fed­er­al gov­ern­ment requires that each of the three nation­al cred­it-report­ing agen­cies (Exper­ian, Equifax and Tran­sUnion) pro­vide a free cred­it report every year. To request a free copy of your cred­it report, do not con­tact the indi­vid­ual cred­it-report­ing agen­cies.

Accord­ing to the Fed­er­al Trade Com­mis­sion, the only autho­rized online source is at annu​al​cred​itre​port​.com. Con­sumers should be aware that there are many web­sites that claim to offer free cred­it reports but often charge you for anoth­er prod­uct if you accept the report.

To request your cred­it report by phone, call (877) 322‑8228.

To request your cred­it report by mail, write to Annu­al Cred­it Report Request Ser­vice, P.O. Box 105281, Atlanta, GA 30348 – 5281.

A sig­na­ture loan (also known as a per­son­al loan) is a loan with­out mate­r­i­al col­lat­er­al such as a car or home. The max­i­mum amount you can bor­row is $20,000 (pend­ing approval based on cred­it score, cred­it his­to­ry and income). You can use this loan for just about any purpose.

Sun­belt FCU’s rout­ing num­ber is 265377633.

Because the fed­er­al gov­ern­ment requires that each of the three nation­al cred­it-report­ing agen­cies (Exper­ian, Equifax and Tran­sUnion) pro­vide you with a free cred­it report every year, we rec­om­mend stag­ger­ing your requests through­out the year. That way, you’ll get a con­tin­u­ous pic­ture of your cred­it sta­tus, because the three bureaus feed each oth­er the lat­est infor­ma­tion. You will also be able to resolve any errors as you find them (because errors can neg­a­tive­ly impact a cred­it score), and this will also help you keep an eye on iden­ti­ty theft.

The cred­it bureau does not allow Sun­belt to release copies of cred­it reports. You can request a free copy of your cred­it report by vis­it­ing annu​al​cred​itre​port​.com.

Sun­belt offers sev­er­al options for loan payment:

• Vis­it any of our branch loca­tions and pay using cash or check.
• Mail your loan pay­ment to:
  6885 US HWY 49
  Hat­ties­burg, MS 39402
• Con­tact our Mem­ber Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to make a deb­it card or cred­it card pay­ment over the phone.
  Please note: this method of pay­ment requires a $15 fee.
• Trans­fer funds at any time from your sav­ings or check­ing accounts to your loans using Online Bank­ing or the Sun­belt app.
• Make an online pay­ment to your Sun­belt loan from an account at a dif­fer­ent finan­cial insti­tu­tion via Swivel­Pay. Click here to learn more.

To start the loan pre-approval process, sub­mit an online appli­ca­tion, vis­it your local branch, or con­tact our Lend­ing Depart­ment at 601−649−7181 (option 4) dur­ing nor­mal busi­ness hours.

You can apply for a loan online, by phone, or in per­son. To apply online at any time for a bill con­sol­i­da­tion loan, cred­it builder, cred­it card, per­son­al loan or vehi­cle loan, get start­ed here. You can vis­it your local branch dur­ing nor­mal busi­ness hours to apply, or call our Mem­ber Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to apply by phone.

Non-mem­bers can apply for a loan, but to apply in a branch or over the phone, you must — at min­i­mum — open a sav­ings account with Sun­belt. Before the loan is processed, mem­ber­ship eli­gi­bil­i­ty will be deter­mined. One of our lend­ing pro­fes­sion­als will con­tact you to review our mem­ber­ship requirements.

There are lim­its on the amount of income one can make dur­ing a giv­en year — and the lim­its change from year to year. Please vis­it the IRS web­site for details.

No. The amount you con­tribute to your 401(k) or oth­er employ­er-spon­sored plans will not be affect­ed by your Roth IRA.

Yes, you can main­tain both types of IRAs at the same time. You can even make con­tri­bu­tions to both types of IRAs in the same year. Please note that your con­tri­bu­tions to both Roth and tra­di­tion­al IRAs can­not exceed the max­i­mum con­tri­bu­tion lim­it for all IRAs.

Yes, you will earn inter­est on the funds that are on deposit at the cred­it union in your Roth IRA. Click here to view Roth IRA rates.

Any­one who works for a liv­ing can con­tribute to a Roth IRA account. The income must be derived from actu­al work efforts and com­pen­sa­tion in the form of wages, tips, salaries, bonus­es and pro­fes­sion­al fees.

You qual­i­fy for mem­ber­ship with Sun­belt if you:

• Live, work, wor­ship, vol­un­teer or attend school in parts of For­est, Lamar and Cov­ing­ton coun­ties, or all of Jones, Wayne, Pike and Simp­son counties
• Have an imme­di­ate fam­i­ly mem­ber who is cur­rent­ly a SFCU mem­ber or qual­i­fies for membership
• Are employed with one of our Select Employ­ment Groups

Vis­it our appli­ca­tion page to get started!

A Roth IRA is an indi­vid­ual retire­ment account cre­at­ed by the Tax­pay­er Relief Act of 1997. Roth IRA accounts are tra­di­tion­al­ly used as retire­ment sav­ings accounts. They allow lim­it­ed con­tri­bu­tions to be made through­out the tax year, and can be with­drawn after the account has been open for at least five years, pro­vid­ed you are aged 59 ¹⁄₂ or older.

Phish­ing is the act of send­ing an email to a user from some­one false­ly claim­ing to be an estab­lished, legit­i­mate enter­prise in an attempt to scam the user into sur­ren­der­ing pri­vate infor­ma­tion that will be used for iden­ti­ty theft. The email directs the user to vis­it a web­site where they are asked to update per­son­al infor­ma­tion, such as pass­words and cred­it card, social secu­ri­ty, and account num­bers that the legit­i­mate orga­ni­za­tion already has. The web­site, how­ev­er, is fraud­u­lent and set up only to steal the user’s information.

Vish­ing is the tele­phone equiv­a­lent of phish­ing. Vish­ing is the act of using the tele­phone in an attempt to scam the user into sur­ren­der­ing pri­vate infor­ma­tion that will be used for iden­ti­ty theft. The scam­mer usu­al­ly pre­tends to be a legit­i­mate busi­ness, and often fools the vic­tim into think­ing he or she will prof­it by pro­vid­ing the information.

If you feel you have been a vic­tim of iden­ti­ty theft, con­tact the FTC Iden­ti­ty Theft Hot­line toll-free at 1 – 877-IDTHEFT (438−4338). Con­tact by mail at: Iden­ti­ty Theft Clear­ing­house, Fed­er­al Trade Com­mis­sion, 600 Penn­syl­va­nia Avenue, NW, Wash­ing­ton, DC 20580; or online at iden​ti​tytheft​.gov.

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.

Any mem­ber who is 16 or old­er and has an active check­ing account may apply for a deb­it card. Mem­bers must be 18 or old­er to apply for a loan, a Mas­ter­Card cred­it card or Over­draft Privilege.

Sun­belt does not offer trav­el­ers checks at this time. You may pur­chase an Offi­cial Check at any Sun­belt FCU branch loca­tion at a cost of $3.00 each.

Cred­it unions are non­prof­it orga­ni­za­tions that exist to help peo­ple, not to make a prof­it. As such, all earn­ings are returned to cred­it union mem­bers in the form of high-inter­est sav­ings and low-rate loans. A vol­un­teer board of direc­tors, elect­ed by the mem­bers, gov­erns a cred­it union.

Guid­ed by the ​“peo­ple help­ing peo­ple” phi­los­o­phy, a cred­it union’s goal is to serve all of its mem­bers equal­ly and pro­vide char­i­ta­ble con­tri­bu­tions to the local com­mu­ni­ty. Cred­it unions are owned by their mem­bers. Each mem­ber gets one vote and an equal say in how the cred­it union is run and its future direction.

Sun­belt does offer domes­tic wire trans­fers. We accept incom­ing wires and sub­mit out­go­ing wires. To have funds wired to your Sun­belt account, you will need the fol­low­ing information:

To:
Cor­po­rate One Fed­er­al Cred­it Union
Colum­bus, OH
ABA# 244084264

For fur­ther cred­it to:
Sun­belt Fed­er­al Cred­it Union
Lau­rel, MS
ABA# 265377633

For further/​final cred­it to: 
Mem­ber name and mem­ber number

There is a $10 fee for any incom­ing wires, and a $20 fee for each out­go­ing wire. Out­go­ing wires must be sub­mit­ted by 2:00 p.m. dur­ing reg­u­lar busi­ness hours to be trans­mit­ted the same day. Wires sub­mit­ted after 2:00 p.m. will be trans­mit­ted the next busi­ness day. To send an out­go­ing wire to anoth­er finan­cial insti­tu­tion, please vis­it your local Sun­belt branch or con­tact our Account Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours. (Please note that Sun­belt does not sub­mit inter­na­tion­al wires or West­ern Union at this time.)

Your mon­ey is insured by the Nation­al Cred­it Union Admin­is­tra­tion (NCUA), an inde­pen­dent agency of the Unit­ed States Gov­ern­ment. Your sav­ings is fed­er­al­ly insured up to $250,000 and backed by the full faith and cred­it of the Unit­ed States Government.

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.

Some employ­ers do allow dif­fer­ent por­tions of an employ­ee’s pay­roll to be deposit­ed into dif­fer­ent accounts. You will first need to ver­i­fy with your employ­er’s pay­roll depart­ment that this is a ser­vice they offer — if so, they will let you know if they need any spe­cif­ic infor­ma­tion from Sun­belt. If your employ­er does not offer this to their employ­ees, you can set up an auto­mat­ic dis­tri­b­u­tion from one of your Sun­belt accounts to anoth­er by either com­ing into your local branch or log­ging into your Cloud Banking.

Sun­belt FCU does not exchange for­eign cur­ren­cy at this time.

All of our mem­bers have access to free notary ser­vices as a mem­ber­ship ben­e­fit. Every Sun­belt branch has one or more notaries available.

Sun­belt FCU does not offer sav­ings bonds at this time.

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.

You can change your address by:

• Vis­it­ing your local branch and com­plet­ing a change of address form.
• Log­ging into Cloud Bank­ing and chang­ing it under the ​“My Pro­file” tab.
• Fax­ing a writ­ten request to our Account Ser­vices Depart­ment at 601−649−7156. The request should include the old address, new address, your sig­na­ture and the date.
• Con­tact­ing our Account Ser­vices depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to request that a change of address form be mailed to you. Once we receive your com­plet­ed form, we will update your address.

If any of your con­tact infor­ma­tion changes, please let us know as soon as pos­si­ble. This will help us con­tact you quick­ly in the event of sus­pect­ed fraud, and pre­vent you from expe­ri­enc­ing any fees or inter­rup­tion in ser­vices due to returned mail.

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.

There are four ways you can change your PIN:

• If you know your cur­rent PIN, you can call the auto­mat­ed PIN line at 1−855−726−4885.
• Insert your card into any Sun­belt ATM and choose the option to change your pin.
• Con­tact our Account Ser­vices depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours for assistance.

There can be many rea­sons why a deb­it, ATM or cred­it card may not work. A few of the most com­mon are:

• Your card is tem­porar­i­ly locked due to poten­tial fraud.
• Your check­ing account has been in the neg­a­tive for more than 30 days.
• Your card’s PIN num­ber was entered incor­rect­ly too many times.
• Your card has been closed.
• Your loan is 30 days delinquent.
• There is a sys­tem error with the merchant’s card pro­cess­ing network.

If you need addi­tion­al infor­ma­tion, please vis­it your local branch or con­tact our Account Ser­vices depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours.

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.

Before your Sun­belt FCU cred­it or deb­it card can be used for trans­ac­tions out­side the Unit­ed States, you must con­tact our Account Ser­vices depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours. You will need to request that the card be opened for the coun­try you are vis­it­ing. If you are attempt­ing to make a pur­chase online, your card can be opened long enough for you to com­plete your trans­ac­tion. If you will be trav­el­ing to addi­tion­al coun­tries, please con­tact Account Ser­vices and pro­vide the dates you will be in each loca­tion. Please note that we can­not open cards for all countries.

If you have ques­tions about your ATM with­drawals or pur­chase lim­its, please call our Account Ser­vices depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours or vis­it your local Sun­belt 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.

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.

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.

Sun­belt offers two types of over­draft pro­tec­tion: Share Over­draft and Over­draft Privilege.

With the Share Over­draft, if there is an item or trans­ac­tion pend­ing to clear your account, Sun­belt FCU will pull the amount need­ed to cov­er the trans­ac­tion — pro­vid­ed the funds are avail­able — from your sav­ings account, plus a $5‑per-trans­fer fee.

The Over­draft Priv­i­lege is attached to your check­ing account and works sim­i­lar to a line of cred­it. If you have an item or trans­ac­tion pend­ing to clear your account, Sun­belt will cov­er that item for you up to your over­draft lim­it at a $30-per-trans­ac­tion fee. Please note that your account will go into the neg­a­tive — and if it remains in the neg­a­tive for more than 15 con­sec­u­tive days, you will be assessed a $2‑per-day fee. To see if you qual­i­fy for Over­draft Priv­i­lege, please speak with a Finan­cial Ser­vices Rep­re­sen­ta­tive at your local Sun­belt branch or con­tact our Account Ser­vice Department.

If you have any ques­tions regard­ing a fee you may have received, please call our Account Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours or vis­it any Sun­belt branch. Fees are sub­ject to change. See cur­rent Sun­belt rates and fees 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 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.

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 you are a Sun­belt mem­ber using your Sun­belt ATM or deb­it card at a Sun­belt ATM (or an ATM with­in our shared ATM net­work), there is no fee. (Search for the near­est sur­charge-free ATM.) If you use an out-of-net­work ATM with your SFCU deb­it card, you will be charged a fee amount set by that finan­cial insti­tu­tion, plus a $1 fee by Sun­belt. If you are a mem­ber with an Advan­tage Check­ing or MyLife Check­ing account, any out-of-net­work ATM fee is refund­ed up to $25 each month.

There is no charge for your ini­tial Sun­belt ATM or deb­it card. After the first free card that you receive at account open­ing, you are allowed one free card every 12 months. After your free card has been issued there is a $15 card replace­ment fee. To order a replace­ment card, call our Account Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours.

Reg­is­ter­ing is easy and just takes a few moments. Select the orange ​“Login” on our web­site. The User ID will be the member/​account num­ber of the pri­ma­ry account hold­er. The pass­word will be the last four dig­its of the pri­ma­ry account hold­er’s Social Secu­ri­ty Num­ber (SSN). Fol­low the on-screen instruc­tions to com­plete your Online Bank­ing reg­is­tra­tion. You may change your user­name and pass­word under the ​“My Pro­file” tab in Online Banking.

With Online Bank­ing, you can enroll in and access eState­ments, Bill Pay, e‑Alerts, and more. You can also use your new­ly cre­at­ed Online Bank­ing cre­den­tials to down­load and use the Sun­belt FCU App from your device’s App Store (iOS or Android).

Online Bank­ing lets you man­age your accounts any­time, any­where — from check­ing your bal­ance to pay­ing bills or trans­fer­ring mon­ey — using your com­put­er or mobile device. It’s a secure, con­ve­nient way to stay in con­trol of your finances with­out vis­it­ing a branch. 

Sign up and you can access your account ²⁴⁄₇ via your com­put­er, mobile web brows­er, or the Sun­belt app. You also have access to online ser­vices like Account Alerts, Bill Pay, eState­ments, eDoc­u­ments, Mobile Deposit, Trans­fers, and more!

If you are unable to log into Online Bank­ing, first try reset­ting your pass­word by click­ing the ​“For­got Pass­word” but­ton on the pass­word screen. A tem­po­rary pass­word will be sent to the email address we have on file. If your account has been com­plete­ly locked, or you can no longer access the email address we have on file, please call our Account Ser­vices team at 601−649−7181 (press option 2) dur­ing nor­mal busi­ness hours. You can also vis­it your near­est branch dur­ing nor­mal busi­ness hours for assistance.