Sunbelt FCU Go to main content Contact Us
 
Member Login
Need Help?
Contact Us

Savings

Turn your rainy day fund into a sunny day fund

Customize your savings plan to fit your financial future

 

 

 

We make saving easy

 

Earn as much as
Rate

0.50%APY balances from $0.01 to $1,500.00

0.25%APY balances over $1,500.01

 

Benefits of a savings account at Central Sunbelt - Increase your savings earningsBenefits of a savings account at Central Sunbelt - Categorize your savings accountsBenefits of a savings account at Central Sunbelt - Schedule your transfer funds

 

 

 

Get Fast Answers To Your Questions

 

Find A Branch To Get Started

 

  Call Us: 601-649-7181

 

 

Transaction Limits

What Account Types Are Affected?

 

  • Share Savings Account
  • Holiday Club Account
  • Money Market Account
What Transactions are Subject to Limits?

 

Preauthorized or automatic electronic withdrawals such as phone and utility bills. Also, transactions done using online (PC & mobile) and phone transfers using e-Phone, fax, or by calling our Contact Center. This applies when funds are coming from an account type listed above.

 

Applies whether:

  • The funds are being transferred to another account.
  • The funds are being sent to a third party via preauthorization, Bill Pay, or wire transfer.
  • The funds are being automatically transferred from a Share Savings to a Share Draft Checking to cover an overdraft.
  • The funds are a scheduled transfer that was set-up by account holder in home banking
What Transactions are Not Affected?

 

  • Transactions from an account type noted below that are completed in-person at a branch or Shared Service Center
  • Transactions made using an ATM
  • Transfers from an account type noted below that are being applied to a loan account
  • Automatic payroll allocations
  • Any Share Draft Checking Account transaction
  • Transactions completed by mail
  • Transactions made by telephone, fax, PC, or mobile device – if it is an official check payable to the member that is mailed to the member

 

Affected Account Types:

  • Share Savings Account
  • Holiday Club Account
  • Money Market Account
What Happens When the Reg D Limit is Reached in a Calendar Month?

 

Once you have reached the six (6) allowable transactions in a calendar month, you will not be allowed to make further transfers/withdrawals from the affected account unless they are made in person at a branch location, Shared Service Center or at an ATM.Transaction attempts from an account type noted above will be declined, unless in-person or at an ATM.

 

HELPFUL TIPS

 

  • Have preauthorized payments (such as phone & utility bills) automatically deducted from a Share Draft account, not a Share Savings account.
  • Make one large transfer to your Share Draft Checking to cover anticipated usage, instead of making many small transfers throughout the month.
  • Visit a branch or ATM location to make withdrawals or transfers.
  • Balance your Share Draft Checking to avoid overdraft transfers from your Share Savings account.
  • Apply for a Line of Credit to use as overdraft protection.
  • Open a Checking Account. Share Draft accounts are not subject to Reg D restrictions.
Quick Transaction Guide

 

LIMITED TRANSACTIONS:

Up to six (6) preauthorized or electronic transactions permitted per calendar month from a non-transaction account.

 

Non-transaction accounts are:

 

  • Share Savings
  • Holiday Club
  • Money Market

 

Transactions done using online (PC & mobile) and phone transfers using Cloud mobile dervices or by calling our Member Service Department from an account type listed above.

 

This rule applies whether:

 

  • Funds are being transferred to another account
  • Funds are being sent to a third party via preauthorization, Bill Pay, or wire transfer
  • Funds are automatically transferred from a Share Savings to a Share Draft Checking to cover an overdraft
  • Funds are scheduled transfers set-up in home banking

 

UNLIMITED TRANSACTIONS:

 

  • Made in person
  • Made using an ATM
  • Made by a letter request (considered the functional equivalent of being physically present)
  • Made by telephone, fax, PC, or mobile device – if it is an official check payable to the member that is mailed to the member
  • Made by the member to pay a loan the member has with the credit union (including MasterCard)

 

 

 

 

Qualifying required for membership. APY = annual percentage yield. All deposits subject to terms listed in Sunbelt's Rates & Services form. 

Go to main navigation

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

LET YOURS BE HEARD