Gold Checking

Experience true, Southern hospitality when you open a GOLD BaZing® checking account. Gold BaZing allows you to look for deals when you shop with your smart phone! Would you like to receive discounts and premiums on bank services? It’s all included with our most popular checking account. Sit back, enjoy the benefits. You’ll be amazed.

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FREE Online Banking

FREE Online Bill Pay

Visa® Debit Card


Unlimited Checking

No minimum balance requirements or per check charges.

Free Checks

Receive your specially branded checks, for members only, at no charge.

Free Check Imaging

Receive images of cleared checks with your statements and available online.

Free Direct Deposit

Automatically deposit recurring income.

Interest on All Balances

Interest paid on all balances as long as a positive daily balance is maintained.

Cash Reserve Line of Credit

Provides overdraft protection for your checking account.

FDIC Insurance

Cash Reserve Line of Credit

Provides overdraft protection for your checking account.**

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Unlimited Local and National Savings

Enjoy unlimited access to savings of up to 50% at local and national retailers with Southern Hospitality (Powered by BaZing®). Save money on shopping, dining, travel, and more with thousands of merchants to choose from. Simply show your coupon to the retailer for instant savings.

Southern Sentry ID Theft Coverage

FREE with EVERY Southern Bank personal checking account. Receive up to $2,500 with Gold and Gold 50 BaZing®

Personal Identity Coverage – Receive reimbursement of qualified direct costs associated with recovering your identity.*

Southern Sentry ID ProtectALL

Included with every Gold and Gold 50 BaZing® account.

  • Payment Card Protection: If you ever lose a credit, debit, or ATM Card, one call to our toll-free number will notify all your card issuers, and you can rest easy.
  • Identity Recovery: We have a team of Fraud Resolution Specialists™ ready to assist you in recovering and restoring your identity. They’ll advise and assist in each step of the process, including referrals to Financial Counselors or attorneys, if necessary.
  • Identity Monitoring (activation required): Includes 24/7 identity protection. This service monitors national databases and watches for your unique identity information. You are automatically notified of any suspicious activity so you can act quickly to prevent damage to your identity or credit. Includes unlimited fraud counseling assistance.

FREE Cell Phone Protection

Just pay your cell phone bill with your Gold BaZing® checking account, and you’re covered. If your phone is broken or stolen, we’ll pay to have it replaced, up to $200 per claim (maximum of $400 per year).*

$10,000 Travel Accidental Death Insurance

You’re protected with $10,000 Travel Accidental Death Insurance when you travel by automobile or licensed common carrier (scheduled airline, bus, taxi, or train).*

FREE Roadside Assistance Services

Lock your keys in your car? Car won’t start? Roadside assistance is available 24/7. It’s free to use, up to $80 in service charges.*

*Subject to additional terms and conditions.
**Subject to credit approval.