Interest Rewards


Pay for checking? How about the other way around? Here at SouthPoint Bank, we believe access to your own money should be free. We'll even pay you a really high interest rate, plus ATM fee refunds1 nationwide!

And there's no monthly service charge or minimum balance to keep. All you have to do to earn your rewards are things you probably do anyway, like using online banking and your debit card.

2.10% APY2

Highest APY2 when qualifications are met


Monthly service fee


Debit card with mobile & online banking

Rewards checking account that pays really high interest3:
  • Earn 2.10% APY* on balances up to $25,0003
  • Earn 0.25% APY* on balances over $25,0003
  • Earn 0.03% APY* if qualifications aren't met3
Get refunds on ATM fees nationwide1
Enjoy unlimited check writing
Free online banking & bill pay
Free 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, complete these three simple qualifications within your Interest Rewards account during the monthly qualification cycle4:
  • Have at least 12 debit card purchases post and settle4
  • Be enrolled in E-Statements
  • Log onto online banking
That's it! And if for some reason you don't meet your qualifications on Interest 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:

Cash Rewards

Earn 3.00% cash back on everyday debit card purchases up to $250 per monthly qualification cycle.

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.