Cash Rewards


Some banks charge you for checking. But here at SouthPoint we think it makes more sense to pay you cash back instead. That's right — with Cash Rewards checking, you'll earn 3.00%1 cash back on everyday debit card purchases (not just groceries or gas) up to $250 per monthly qualification cycle3.

And there's no minimum balance to keep or monthly service charge to pay. All you have to do to qualify are a few simple things that make banking easier. Sign up today!


Cash back on debit card purchases


Monthly service fee


Debit card with mobile & online banking

Rewards checking account that pays 3.00% cash back on debit card purchases1
Get refunds on ATM fees nationwide2
Enjoy unlimited check writing
Online banking & bill pay
Mobile banking
Free E-Statement with check images
Free SouthPoint Debit Card

Minimum Balance:
No minimum balance to maintain

Monthly Fee:
No monthly service charge

Minimum Deposit:
$100 minimum opening deposit 

How to Earn Our Highest Rate:
It's easy to earn your rewards. In fact you're probably doing most, if not all, of these things already. To earn your rewards, simply do the following activities during each monthly qualification cycle3 on your Cash Rewards checking account:
  • Have at least 12 debit card purchases post and settle3
  • Be enrolled in E-Statements
  • Log onto online banking
That's it! And if for some reason you don't meet your qualifications on Cash Rewards, don't worry. Your account still has no monthly service fee. You can get back to earning the full rewards the very next qualification cycle.

Here are some other Checking options to help you compare:

Interest Rewards

Pay for checking? How about the other way around? Here, we believe access to your own money should be free.

SouthPoint Checking

This basic checking account keeps it simple. Enjoy no monthly service fee and no minimum balance requirement.

SouthPoint Interest Checking

Earn interest on your funds. This account pays interest every month while you enjoy unlimited check writing.

Platinum Point Checking

For those 55 and older. This account pays competitive interest without imposing any limits on checking.