Last Updated: 01/21/2026
Sunbelt FCU Advantage Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 4.00%(Verified 06/21/2024)
Monthly Service Fee
$5(Verified 01/21/2026)
Sunbelt FCU Advantage Checking Account Review
The Sunbelt FCU Advantage Checking Account is offered by Sunbelt Federal Credit Union, a credit union founded in 1953 and based in Hattiesburg, MS. Sunbelt FCU Advantage Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Up to 4.00% annual percentage yield (APY). This account offers an annual percentage yield of up to 4.00%, which is much higher than the average for the checking accounts that we track However, you must keep a minimum balance of $500.00.
- No monthly maintenance fee. Qualifying accounts require 10 MasterCard Debit Card purchases each month with an aggregate total of at least $100.00 (transactions must post by close of business on last day of month), one ACH deposit each month, must receive Cloud Documents (valid email address required), and must not be subject to backup withholding (tax that is levied on investment income). Only PIN-based or signature-based debit card purchases count toward the qualification requirements. Merchants (not Sunbelt FCU) determine how transactions are processed. If a merchant processes your transaction without a PIN or signature, it may not qualify. Accounts with backup withholding will be converted to our regular checking account. Qualifying accounts also receive ATM charge refunds up to $25.00 each month. For any month in which these requirements are not satisfied, the non-qualifying dividend rate will apply, no ATM charge refunds will be paid, and a monthly service charge will apply.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Sunbelt FCU Advantage Checking Account does not charge fees on ATM transactions within its network but there is a fee of $1.00 for out-of-network ATM transactions .
- Up to $25.00 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
Sunbelt FCU Advantage Checking Account Pros & Cons
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Sunbelt FCU Advantage Checking Account FAQ
Are checking accounts from Sunbelt Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Sunbelt FCU Advantage Checking Account offer?
Sunbelt FCU Advantage Checking Account offers an APY starting at 0.05% and ranging up to 4.00% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $500.00.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 4.00% |
What are the account minimums for Sunbelt FCU Advantage Checking Account?
Sunbelt FCU Advantage Checking Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Sunbelt FCU Advantage Checking Account charge?
Qualifying accounts require 10 MasterCard Debit Card purchases each month with an aggregate total of at least $100.00 (transactions must post by close of business on last day of month), one ACH deposit each month, must receive Cloud Documents (valid email address required), and must not be subject to backup withholding (tax that is levied on investment income). Only PIN-based or signature-based debit card purchases count toward the qualification requirements. Merchants (not Sunbelt FCU) determine how transactions are processed. If a merchant processes your transaction without a PIN or signature, it may not qualify. Accounts with backup withholding will be converted to our regular checking account. Qualifying accounts also receive ATM charge refunds up to $25.00 each month. For any month in which these requirements are not satisfied, the non-qualifying dividend rate will apply, no ATM charge refunds will be paid, and a monthly service charge will apply.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Sunbelt FCU Advantage Checking Account charge overdraft fees?
Yes, Sunbelt FCU Advantage Checking Account charges a $30.00 fee for every overdraft.What features and perks does Sunbelt FCU Advantage Checking Account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $25.00.
- Mobile Banking Services - Sunbelt FCU Advantage Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 1:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed