| CHECKING | |
 Free Checking - No Minimum Balance - Open account with as little as $50   to Free Checking, Plus Checking or Prime Checking. |
Gold 50 Checking - Designed for those 50 and over - Earns interest - Dining, Travel, Entertainment, and Shopping discounts - Free Checks - Prescription Drugs, Eye Care and Hearing Products discounts - Payment Card and Personal ID Theft Protection - Travel Accidental Death Insurance and Travel Assistance Services - No minimum balance requirements - $5.95 per month Prime Checking (50 and over) - Earns Interest - Free safe deposit box1 - Free Cashiers Checks - Free Checks - Special Rates on CDs - No monthly fee when qualifiers are maintained3 Visa® Check Card - Check Card, Debit Card, ATM Card...all in one - Free with any checking account - No surcharge fees when used at any Southern Bank, First Citizens Bank, Ironstone Bank, Heritage Bank or Fidelity Bank ATM  |
| SAVINGS | LOANS |
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Regular Savings - Earns interest- Funds are easily accessible6 - No monthly maintenance fee with $200 minimum balance Christmas Club Savings - Start with $25 - You choose how much to deposit - We mail you a check for the balance in November, just in time for Christmas!   Money Market Savings - $1,000 minimum deposit to open - Interest rate based on balance. The higher the balance, the higher the rate - No monthly fee when qualifiers are maintained4 Premium Money Market Savings - $25,000 minimum deposit to open - Interest rate based on balance. The higher the balance, the higher the rate - No monthly fee when qualifiers are maintained5  |
Credit Cards - Visa® - You have options, choose the card that's best for you - Earn Southern BankMiles - participating cardholders earn one BankMile for every dollar charged to their Southern Bank Credit Card Personal Loans - Car, boat, RV Customer Contact Center - College - Personal Secured or Unsecured loans - Flexible terms and borrowing limits based on your credit history - Competitive rates   - Access account information - Transfer funds - Call 800-441-7461 anytime 24 hours a day, 7 days a week
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• For details regarding fees associated with personal accounts, please ask for our Personal
Disclosure of Products & Fees.
• For details regarding fees associated with CDs & IRAs, please ask for our Disclosure of
Products & Fees for CDs & IRAs.
• All personal loan products are subject to credit approval.
1 Where available.
2 Maintain a minimum daily ledger balance of $5,000 or more in a Regular Savings Account, OR qualify for and receive an EquityLine credit line of $10,000 or more, OR qualify for and receive a Reserve Plus line of credit of $10,000 or more, OR qualify for and receive a mortgage loan made through Affiliated Mortgage Services, OR maintain a combined daily balance of $10,000 or more in a Plus Checking Account, one or more CDs, a Regular Savings Account, a Tiered Insured Money Market Savings Account, a Premium Tiered Insured Money Market Savings Account and/or one or more IRAs.
3 Maintain a minimum daily ledger balance of $2,500 or more in a Regular Savings Account, OR maintain a minimum daily ledger balance of $5,000 or more in a Tiered Insured Money Market Savings Account, OR qualify for and receive a mortgage loan made through Affiliated Mortgage Services, OR maintain a combined daily balance of $10,000 or more in a Prime Checking Account, one or more CDs, a Regular Savings Account, a Tiered Insured Money Market Savings Account, a Premium Tiered Insured Money Market Savings Account and/or one or more IRAs.
4 Average daily collected balance of $1,000 or more.
5 Average daily collected balance of $25,000 or more.
6 Federal regulations impose certain withdrawal limitations on savings accounts, please ask
for our Disclosure of Products & Fees.
 MEMBER FDIC Equal Housing Lender |
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