CHECKING |
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 - No Minimum Balance - Open account with as little as $50 Gold Checking - Earns interest - Dining, Travel, Entertainment, and Shopping discounts - Free Checks - Payment Card and Personal ID Theft Protection - Travel Accidental Death Insurance and Travel Assistance Services - No minimum balance requirements - $4.95 per month Plus Checking - Earns interest - Free safe deposit box1 - Free Cashiers Checks - Free Checks - Special rates on CDs - No monthly fee when qualifiers are maintained2 Note: Gold Checking or Gold 50 benefits can be added to Free Checking, Plus Checking or Prime Checking. |
  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! Certificates of Deposit - $500 minimum deposit to open - Guaranteed rate of return - Terms range from one week to five years Individual Retirement Accounts - $100 minimum deposit to open - Roth or Traditional IRAs available - Fixed or variable rates    |
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 - College - Personal Secured or Unsecured loans - Flexible terms and borrowing limits based on your credit history - Competitive rates Home Mortgage - Easy - Pre-qualify at any Southern Bank Branch...just bring your social security number, a recent paycheck stub and last year's tax return - Fast - Approval in less than 48 hours. Closing in less than 30 days - Flexible - Whether this is your first home or a vacation cottage, you can choose the plan that's best for you Ask for our Home Mortgage brochure for complete details. 
Customer Contact Center - 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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