Premium Checking


We reward your relationship at SouthPoint Bank. We'll pay you a really high interest rate, plus ATM fee refunds2 nationwide and benefits you'll use every day!

All you have to do to earn your rewards are things you probably do anyway, like receiving a direct deposit and using your debit card.

2.10% APY1

Highest APY1 when qualifications are met with Premium Rewards3

0.10% APY1

APY1 with Premium Interest


Maintain a $2,500 minimum balance to avoid the monthly fee

Choose your interest rate
With Premium Rewards, earn higher interest by completing these three simple qualifications with your Premium Rewards checking account during each monthly statement cycle:
  • Have at least 12 debit card purchases post and settle
  • Have at least one direct deposit post and clear
  • Be enrolled and receive eStatements

Or, choose Premium Interest to get a competitive rate on all balances and avoid the fee with a minimum balance.

Anywhere Banking Tools:
Online banking
Mobile banking
Mobile check deposit
Bill pay
Debit card
Apple Pay®
Google Pay™

ATM Fee Refunds with Premium Rewards:
Up to $10 in ATM fee refunds per month when you meet the qualifications during the monthly statement cycle.2

High Interest:
Premium Reward 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

ID Theft Aid4,5:
Includes payment card fraud resolution, $2,500 in personal identity theft benefit and identity restoration.

Roadside Assistance:
Available 24/7 and free to use, up to $80 in covered service charges.

Health Savings Card:
Save money on prescriptions, eye exams, frames, lenses and hearing services.

Cell Phone Protection4,5:
Receive up to $600 per claim ($1,200 per year) if your cell phone is broken or stolen.

Shop Local, Save Local with BaZing Savings:
Local discounts and national retailer deals to save you money on shopping, dining, travel & more.

$10,000 Travel Accidental Death Coverage5:
Peace of mind for the unexpected.

Minimum Balance:
Maintain a $2,500 minimum balance to avoid the $9 monthly fee.

Minimum Deposit:
$50 minimum opening deposit 

Here are some other Checking options to help you compare:

Value Checking

Benefits like roadside assistance and local savings you can use every day.

Essential Checking

This basic checking account keeps it simple with basic banking tools.