You do not have to know a lot about computers to be able to use Online Banking, nor do you have to be at home to take care of your banking needs. For basic banking services, it is as easy as a click of your mouse. Using the Bill Pay service makes paying bills as simple as setting a date and an amount.

All you need to use Online Banking is a Southern Bank ATM card or Visa® Check Card, an Internet connection, and a current version of a web browser. We recommend you use at least version 5.x of Internet Explorer or version 4.5 of Netscape Communicator.

Simply set up the payee and schedule the payment for the date you want the money to arrive. Payment processing begins four business days in advance of the due date, and the payment is locked. You cannot change your payment instructions once the processing has begun. The money will be debited from your account on the due date you set up.

Yes. If you type your new password in all lower case letters, you will need to always type your password in lower case. Be careful of the CAPS LOCK key under the TAB key. It is a very easy and common mistake to press the CAPS LOCK key and then quickly lock yourself out of Online Banking.

Each account holder must have an ATM card or Visa Check Card. If they do, then each person may sign up for access. Since the Bill Pay service is associated with an individual, a joint account may not be shared as the Bill Pay account.

Online Banking is free of charge when you use it to perform basic functions such as accessing your account information, transferring funds, or other self-service tasks. When you signed up for Online Banking you also received access to our free, unlimited Bill Pay service.

Click here to view the Fee Schedule.

You will have access to Online Banking within two to five business days after you sign up and may begin using it then. Your welcome letter will contain very brief instructions and should arrive within five to seven days after sign up. Please contact us at 1-800-441-7461 if you do not promptly receive the welcome letter. If you enroll online, these first-time login instructions will also be provided on a confirmation screen and via e-mail.

To access Online Banking, you will need to know your Customer ID and Password. This information is provided to you when you sign up, and in the welcome letter you receive. The welcome letter gives instructions on how to connect to Online Banking for the first time.

Yes, you may change your Customer ID to another code rather than your ATM number. Simply log in to our online banking screen, choose "preferences", "change ID". It will bring you to a prompt screen and you can change your Customer ID. It must be between 6 and 14 characters, it can't be repeating characters, such as all Xs, and it is not case sensitive.

You will be able to view all of your personal accounts with Online Banking. This includes personal checking and savings, CDs, IRAs, consumer loans, credit cards, and lines of credit. You will see your Trust accounts but you must sign in to those online services to get account information or make trades.

Yes. You can make transfers from any of your checking, savings, or money market accounts to your Southern Bank credit cards, consumer loans, and lines of credit. A transfer to a credit account will post to your accounts as a payment by the next business day.

Yes. You can make transfers from your checking, savings, or money market accounts to your Southern Bank savings and checking accounts. Transfers can be set up as immediate, future dated, or recurring. A transfer to savings and checking accounts is immediate, but will post to your accounts by the next business day.

Yes. You will be able to view the front image of your check with Online Banking. Simply click on your account name (from the Account tab or the homepage), then click on the check number to view the image.