Earn our premium dividend rate of 4.59% APY on balances up to $10,000.1 That’s 30 times more than the national average interest checking rate!2 Balances over $10,000 earn a dividend rate of 0.10% APY.1

Plus, this account is free to open and free from extra fees, so you can focus on growing your money. Take advantage of these perks:

  • No maintenance fees.3
  • No minimum balance required.4
  • Access to 30,000+ fee-free ATMs. Plus, we won’t charge for out-of-network ATM use.5

Simply use your Premium Checking account and get rewarded for your everyday banking.

Get Started

Premium Checking Account Benefits

Earn a Premium Rate

Earn 4.59% APY on your first $10,000 when requirements are met and 0.10% APY on funds exceeding $10,000.1

Online and Mobile Banking

Check your balance, make transfers, pay bills and more 24/7.

Early Payday

Set up direct deposit to your Checking account and receive your paycheck up to one day earlier.6

Visa Debit Card

Our new Debit Cards are contactless so you no longer need to insert or swipe your card. Just tap your card at checkout and go!

ATM Access

Access your money fee-free at over 30,000 ATMs around the country.5

Convenient Customer Service

If you ever need any assistance, you can visit one of our 23 locations through the Midlands or contact our Call Center.


A fast, safe, and free7 way to send money to friends and family.

Peace of Mind

Federally Insured by NCUA for up to $250,000.

How to Earn Premium Dividends


To earn premium dividends, you’ll need to meet these easy minimum requirements:1


Bronze Check Mark Complete 10 or more Debit Card transactions of $3.00 or more per month.

Bronze Check Mark Complete at least one qualifying direct deposit of $500 or more per month.

Bronze Check Mark Be enrolled in eStatements and Online Banking.


It’s so easy, you’re probably already doing these!

Your account will automatically qualify for the premium rate on the first month of opening your account. After the first month, if you don’t complete these requirements to earn the premium rate, your account will earn 0.10% APY.1

Step 1

Complete Your Application

To get started, we'll need your information such as your email, address, and phone number.

Step 2

Confirm, Accept, and Deposit

You'll confirm your account choices, accept any disclosures, and make an initial deposit into your account.

Step 3

Enjoy Your Premium Checking Account

Once approved, you can start enjoying your Premium Checking account and all that it has to offer! Sign up for Online and Mobile Banking and get started.

Online and Mobile Banking

  • Easily manage your finances, track your spending, build budgets, and more with Financial Tools.
  • Easily manage your payments for your favorite subscriptions and digital services that are linked to your AllSouth Debit Card.
  • With Mobile Deposit in our Mobile App, you can securely and conveniently deposit your checks 24/7.
  • Make transfers between accounts, pay your bills, create account alerts, and more.

A Checking Account Designed with You in Mind

We’re not just a bank, we’re your friends and neighbors, and we want to help you achieve your goals.

Get Started


  • Who can join?

    Becoming a member is easy and we welcome the opportunity to serve you and your family.8 You are eligible if you live, work, worship, or attend school in the Columbia-Orangeburg-Newberry Combined Statistical Area consisting of Calhoun, Fairfield, Kershaw, Lexington, Newberry, Orangeburg, Richland, or Saluda Counties as well as Sumter County, South Carolina.

  • Why AllSouth?

    When you join AllSouth, you’ll get personal attention from dedicated team members, accounts with simple features to help you get your banking done, loan options to help you purchase a new car or home, and so much more. As a credit union, we’re member-owned. This means our members are our priority and we’re here to help you reach your financial goals. We invite you to join our growing family today.

  • Where is AllSouth located?

    We have 23 locations throughout the Midlands of South Carolina. View our list of locations to find the one closest to you.

  • What will I need to open an account online?
    • Be 18 years of age or older
    • Social Security Number or Individual Taxpayer Identification Number
    • Contact information, such as address and phone number
    • If you want another person on your account as a joint member, they will need to submit their information too.
  • Is my money secure with AllSouth?

    AllSouth Federal Credit Union is federally insured by the National Credit Union Administration (NCUA), an agency of the federal government. All deposit accounts are insured up to $250,000 per credit union member. We make it a priority to keep your personal information safe and secure. Remember, the best way to keep your money secure at any financial institution is to be aware of the current types of scams to look out for.

  • How do Premium Checking account fees compare to fees at other financial institutions?

    AllSouth’s Premium Checking
    National Average
    Monthly Maintenance $0.00 $15.339
    Overdraft Transfer from Savings $4.00 $26.619
    Out-of-Network ATM Fees $0.00 $4.739
    Insufficient Funds (NSF) $0.00 $19.949
    Wire Transfer Fees $20.00 $26.009