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Checking Accounts

Our checking accounts were designed with you in mind. Since this is the account you use most often, it should make your life easier. Our checking accounts offer a seamless mobile experience with MoBi Anytime Deposit and thousands of surcharge free ATMs.


No matter what your financial needs, we have an account that fits your lifestyle. All of our checking accounts include:

  • Mobile App and Online Banking
  • MoBi Anytime Deposit – deposit checks using your smartphone
  • Debit Card and Card Valet App – turn your card on and off instantly
  • Bill Pay
  • eStatements
  • Overdraft Protection
  • Courtesy Pay Available*
  • No monthly service fees

Which account works best for you?

  • Better Than Free Checking
    • Checks available
    • First box of basic checks free
  • Checkless Checking
    • No checks available
    • Great for those with previous trouble qualifying for a checking account
  • On My Own (OMO) Checking
    • Ages 15-21
  • Select Checking
    • Age 50 years or older
    • Free box of basic checks (one box per year)
  • High Yield Checking - Earn 2.00% APY* dividend each month on checking accounts that meet all of the following criteria:
    • Enrolled in eStatements
    • Direct deposit into your Southwest Financial checking account
    • 15 signature-based debit card transactions of $10.00 or more
    • At least one electronic bill pay transaction
    • Opt in to be eligible for this account


Overdraft protection allows you to use the balance in your Savings Account to cover your Checking Account transactions automatically when needed.

*Courtesy Pay is not available for On My Own Checking Accounts.