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 from extra fees, so you can focus on growing your money. Take advantage of these perks:

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

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

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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.5

Visa Debit Card

Our 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.4

Convenient Customer Service

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

Zelle®

A fast, safe, and free6 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 requirements1:

 

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.

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