Southernmost
Southernmost's FedNow, RTP, and Zelle participation has not been confirmed.
Key West, FL · NCUA Charter #9105
http://www.smfcu.net1004 Kennedy Dr, Key West, FL, 33040-4019
Contact info sourced from NCUA's quarterly call report data. Directory data last synced July 18, 2026. See methodology.
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Report early direct deposit
Did a paycheck or benefit show up early at Southernmost?
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Sending from Southernmost
Rails observed when Southernmost was the sending bank.
No sending reports yet for Southernmost. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into Southernmost
Rails observed when Southernmost was the receiving bank.
No receiving reports yet for Southernmost. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
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Other credit unions in FL.
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Frequently asked questions
Does Southernmost support FedNow?
This hasn't been confirmed. Southernmost does not currently appear in Federal Reserve's FedNow participant list, and no community reports have confirmed this rail for this bank yet.
Does Southernmost support RTP?
This hasn't been confirmed. Southernmost does not currently appear in The Clearing House's RTP participant list, and no community reports have confirmed this rail for this bank yet.
Does Southernmost support Zelle?
This hasn't been confirmed. Southernmost does not currently appear in Zelle's partner directory, and no community reports have confirmed this rail for this bank yet. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does Southernmost have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Southernmost yet.