Sun Checking

To open an account with Sunbelt, you will need to bring in two valid forms of Government Identification. For example, your Drivers License and Social Security Card. Also, proof of residence such as a utility bill or a lease.

There is no opening deposit required for any of Sunbelt's checking accounts!

Sunbelt account holders have access to over 60,000 free ATMs across the United States! Click here to find the free ATM closest to you.

Yes. Your funds are federally insured by the National Credit Union Administration (NCUA) up to $250K.Like the FDIC, the NCUA insures your deposit through the NCUSIF, backed by the full faith and credit of the US government.

• Share Savings Account
• Holiday Club Account
• Money Market Account

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

• 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

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.

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)