business checking



Let’s get down to business. Southern Bank is ready for yours. While you focus on expanding your business, we will focus on maximizing your assets and reducing your service fees. Business Checking offers benefits that will give you both comfort and security. With things like preferred interest on CD loans, no annual credit card fees, and no monthly fee ACH transactions, it’s hard to find a reason not to choose us. Business Checking offers free processed items each month, check imaging and safekeeping, night deposit bags, and many other great services that are sure to benefit your business. Check us out today. Learn more about your checking options:

Below are 10 sections vertically aligned. You may browse those sections by clicking on one of the links below.

  • Business Banking II
  • Business Banking Plus
  • Business Basics Checking
  • Commercial Regular
  • Commercial with Interest
  • Community Checking
  • Clerk of Court
  • PIMMC
  • Professional Checking
  • Business Banking I



    Business Banking I will fit the needs of many small businesses who have lower monthly checking activity. Business Banking I is the perfect fit for many new businesses

  • Simple, easy-to-understand pricing.
  • One low monthly maintenance fee covers up to 125 transaction items.
  • Minimum balance qualifiers to avoid monthly fees.
  • All checking accounts are subject to approval.


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    Business Banking II



    Business Banking II is a real value.

  • Simple, easy-to-understand pricing.
  • One low monthly maintenance fee covers up to 250 transaction items.
  • Avoid the monthly maintenance fee with $5,000 average checking balance or $15,000 minimum daily balance in total relationship deposits.
  • Additional benefits:

  • Half-price first order of standard three-to-a-page business checks, including binder, endorsement stamp and deposit slips.
  • Free 3" x 5" safe deposit box1 (or a discount on larger box) for one year OR a free supply of 50 disposable night deposit bags.
  • 1 Subject to availability by location.
    All checking accounts are subject to approval.


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    Business Banking Plus



    Business Plus provides simplicity along with many other key benefits for your business. It helps you budget so you'll know exactly how much you'll pay monthly in transaction fees if you typically stay within the 500 transaction items allowed in the monthly maintenance fee. Or, you can avoid the monthly fee altogether when you maintain a $10,000 average balance in this account or $20,000 in combined daily balances in Business Plus checking, CDs, Commercial Savings or Money Market savings accounts. In addition, as a Business Plus customer, you'll receive:

  • Free initial order of standard, three-to-a-page business checks, binder, deposit slips, and endorsement stamp
  • Free 3" x 5" safe deposit box1 (or a discount on larger box) for one year.
  • Monthly maintenance fee waived on a personal Plus account for one year.
  • 1 Subject to availability by location. Account opening is subject to approval.


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    Business Basics Checking



    Business Basics Checking is great for small businesses with limited monthly check-writing needs.

  • Simple, easy-to-understand pricing.
  • One low monthly maintenance fee covers up to 50 transaction items.
  • Minimum balance qualifiers to avoid monthly fees.
  • All checking accounts are subject to approval.


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    Commercial Regular



    Commercial Regular Checking is a commercial analysis account, which means that the account is charged a service charge on analysis basis. This method of determining service charges takes into consideration account balance and account activity.

  • Regular Checking is the way to go for many businesses with a moderate to high number of transactions
  • A non-interest bearing account with only a $100 minimum deposit required to open
  • Accounts are subject to approval.

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    Commercial with Interest



    Commercial Checking with Interest is a commercial analysis account, which means that the account is charged a service charge on analysis basis. This method of determining service charges takes into consideration account balance and account activity.

  • The perfect account for sole proprietors and non-profit organizations that want to earn interest on their funds and have a moderate to high number of transactions each month.
  • An interest-bearing account with only a $100 minimum deposit required when opening the account
  • Account is subject to approval.

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    Community Checking



    Community Checking will fit the needs of many small non-profit/civic groups who have lower monthly checking activity. It is the perfect fit for most community groups

  • Simple, easy-to-understand pricing.
  • One low monthly maintenance fee covers up to 200 transaction items.

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    Clerk of Court



    This specialized account allows the Clerk to group all clerk-owned and fiduciary accounts under a single umbrella. Reporting is executed in a total and individual level.


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    PIMMC



    Public Insured Money Market Checking is a commercial analysis account, which means that the account is charged a service charge on analysis basis. This method of determining service charges takes into consideration account balance and account activity.

  • Available only to public institutions
  • Unlimited check-writing
  • If the daily collected balance is $1,000 or greater, interest is computed at the Money Market rate for the account. If less than $1,000, the rate paid for that day will be the Checking with Interest rate.

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    Professional Checking



    Professional Checking is designed for small to mid-size medical practices, attorneys, dentists, CPAs, and other professionals with higher checking activity. The monthly maintenance fee includes up to 1,000 items. There are minimum balance qualifiers to avoid monthly fees. This account offers lots of extras such as:

  • Free 3 x 5 safe deposit box
  • Free first order of business checks
  • Free first order of 75 night deposit bags
  • Free online banking
  • Free Bill Pay/Tier One

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