Office: 713-232-7774    Fax: 713-232-7122

By clicking any third-party link, you will leave this website and be redirected to a third party site. The mere fact that there is a link between this web site and another does not constitute a product or program endorsement by Southern Federal Credit Union or any of its employees. Southern Federal Credit Union has no responsibility for content of the web sites found at these links, or beyond, and does not attest to the accuracy or propriety of any information located there. Privacy and security policies on the third party website may differ from those practiced by Southern Federal Credit Union. The credit union does not represent either the third party or the member if the two enter into a transaction.

Checking Accounts

The Southern Federal Credit Union is determined to make your money work for you. Once you’ve reviewed our Checking features and benefits – you’ll agree that members have the advantage! All of our features are designed to be In Your Best Interest.  For more information, call, stop by or read below.

* For qualified members

Advantage Checking

  • Low or No Opening Deposit – No deposit is necessary when opening your account by signing up for Direct Deposit or a $250 Payroll Deduction. Otherwise, a minimum deposit of $50 by cash, check or money order will be required.
  • Dividend Earning – Maintaining an average daily balance of $250 or more.
  • Temporary Checks – Temporary checks are issued when opening an account while you wait on your check order to arrive, which is generally 5-10 days.

Elite Checking
Our Elite Checking Program is designed especially for members 55 years and older. It includes all of the above services PLUS:

  • No minimum balance requirement
  • One (1) free box of checks per year
  • Earns interest (average daily balance of $250 or more)

Prime Checking
Our Prime Checking Program is an exclusive program for our young scholars ages 13 – 21 that are interested in learning more about managing their money. It includes all of the above services PLUS:

  • No minimum balance requirement
  • First order of checks free
  • Earns interest so your money makes money (average daily balance of $100 or more)
  • .50% discount on first auto loan with SFCU

Overdraft Protection – Peace of mind knowing your checks will be covered, avoiding costly fees and embarrassment. We offer automatic overdraft protection from regular savings transferred in $50 increments. An overdraft loan is also available, with approved credit, with a limit up to $1,000 which is added in $100 increments.

Overdraft Privilege – Share Draft account holders MAY be allowed to overdraw their checking account up to an aggregate total of $500. Your account will be assessed an Account Negative charge for each item paid. No application or credit approval required. Contact the credit union for more details or to opt-out of this service.

Direct Deposit – Your paycheck, Social Security, Tax Refund, Child Support, Pension checks and other recurring checks can be immediately deposited into your account. All you need is our routing number of 313084632 and your savings and/or checking (checking must end in “15”) account number.

Automatic Recurring Payments – Simply have your loan, credit card, utility, internet service or other monthly payments electronically deducted from your account. Again, all you need is our routing number #313084632 and your account number for savings or checking (checking must end in “15”).

Visa Check Card – A debit card – an ATM card – the card that works like a check! Use it anywhere that VISA is accepted and the purchase is deducted from your checking. Qualified members can access both savings and checking.

ATM Card – Standard ATM Card gives you access to both savings and checking to get cash and make purchases.

Online Account Access – 24/7 account access with our online program, Online Account Access. Here is an overview of services:

  • Balances: View account balances – for all loans and accounts
  • History: 3 months for savings & checking accounts; 6 months for loans
  • View images of cleared checks
  • Account Details: Search and sort transaction history
  • View year-to-date and prior year dividend on accounts or interest on loans
  • Transfer Funds: Transfer funds between accounts and loans, request a check withdrawal, etc.
  • Cross-account transfers among family members (Contact SFCU to set up)
  • Account Alerts: Set-up email or text message account alerts (balance, transaction, cleared check number & loan due date alerts)
  • E-Statements: View up to 2-years of electronic statements with E-Statements (Sign-up in Internet Teller)
  • Order Checks: Re-order your personal checks with your current reorder form
  • Bill Payment: Bill Pay Plus allows you to pay your bills without writing a check
  • Download Transactions: Download transaction history into Quicken, MS Money or MS Excel (CSV file)
  • Message Center: Send a secure email directly to the credit union staff
  • Change Password: Change your password anytime
  • Member Settings: Update your email address and add yourself to the credit union email list to keep up-to-date
  • Address Change: Update your credit union account address
  • MasterCard: Link to view your MasterCard account online
  • Mobile TXT Banking: No computer required – use your cell phone anytime, anywhere
  • Access Spanish Internet Teller: On the login page, click on “En Español”