Budgeting Made Easy with Reloadable Debit Cards
Now there's a way to control your spending, but still enjoy the convenience of a debit card. Simply carry our prepaid debit card.

Load up the card now. Add money to your account any time.
Our prepaid debit card helps you manage your money because it's pre-funded. That means you can only spend the amount on the card. We even give you an online management tool so you can track your spending just by checking your computer. Want to spend more? Then add more to the debit card. You can load additional funds onto the card simply by going to the online management tool. Then use the card wherever debit cards are accepted.

Load it with the amount you want. Spend only the amount you have.
Since you can't spend more than what's loaded on the card, you'll never be overdrawn. That means no overdraft fees. Our prepaid debit card is also very safe. Since it's not linked to any account, if it's lost or stolen, there is no risk to your credit union account. It's safer than carrying cash!

Cost for the card is $9 with each reload at 50¢. Contact your nearest Southern Security location for more information or application.

Checking Switch Kit
Making the decision to change your checking account to another financial institution is often a timely and pain-staking process. We've taken the hassle out of it. With this switch kit, you simply provide information once and we provide you with printable letters that you can send off to multiple vendors immediately. These letter can change your auto debits, close out old accounts, etc. Take a test drive and see for yourself how easy it is! Please note, the information you provide is secured but not retained. Once the letters are printed and your session ends, the information goes away. Go to Switch Kit.

Term Life Insurance Offer
Southern Security offers Term Life insurance, up to $150,000. This is a simple, economical way to help your family continue to enjoy the quality of life you always planned for them. Click here for more information and online application.

Guaranteed Term Life
Southern Security introduces a new term life product! As a member betweeen the ages of 45 and 75 years old, you cannot be turned down for up to $25,000 in insurance coverage. No medical exam is required nor a single health question asked. Benefits are limited for the first two years allowing guaranteed acceptance. For more information and an online application, please click here.

Pandemic, Hurricane - Your CU is Ready!
Whether it's the bird flu, a tornado or some other disaster that threatens the US, your credit union is prepared. "We want our members to know that we've taken precautionary steps to minimize any disruption of service," says David Gadd, president of Southern Security. "In the event that a catastrophic event affects Memphis in particular or the US in general, we are ready." But staff preparations may not be enough. Other services throughout the area or nation may be disrupted, as well. "We learned through our experiences with Hurricane Katrina that local infrastructure could be wiped out. We were there to help many victims from the Gulf Coast because of steps their own CUs took to offer remote access."

Steps you can take NOW!
To increase your accessibility to cash in the case of a major event, we suggest that each member have the following - all offered free by Southern Security. Waiting until the crisis occurs will delay your access to these services.

1. Request a Member Access Number. This number, when used with your account number, provides account access via CU Online (internet) or MoneyTalk (telephone). Members can track their balances, debits, deposits, transfer funds from one account to another and request withdrawal checks to be mailed to their home address on file.
2. Request ATM or Debit MasterCard. All members are guaranteed* an ATM or Debit MasterCard. Using the card will allow you access to cash at remote locations such as ATMs. Those with a checking account have greater flexibility with the Debit MasterCard as it can be used to make purchases, as well. And members can request cash back at many retailers nationwide.
3. Sign up for direct deposit with your employer. Direct deposit is the safest way to be paid. Funds are automatically deposited into your accounts on payday -typically before you would receive your paper check. But in the case of a pandemic, some employers may be delayed getting your check to you. Through direct deposit no one handles or transports your check, thereby reducing infection risk or delays from damaged infrastructure. Your funds will be in your account and you can withdraw cash at the nearest ATM. If you need assistance completing your company's direct deposit form, please contact your nearest branch (see Locations).
4. Update your contact information. Should Southern Security need to contact you to inform you of special closings or changes regarding accessing your account, we need current contact information including home, mobile and work phone numbers and email. Please be sure to provide that during your next contact with us.