Personal Checking with Southern Bank
Every Southern Bank personal checking account comes with amazing features that you will not find just anywhere. No matter what personal checking account you open, Southern Bank will offer online banking, bill pay, a debit card, e-statements, local and national discounts with BaZing®, Southern Sentry ID theft protection and FDIC insurance. Experience true, Southern hospitality when you open one of our checking accounts.
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Cell Phone Protection
If your phone is broken or stolen, we’ll pay up to $400 per claim to have it repaired or replaced (up to $800 per year).1, 2
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Unlimited Local and National Savings
Enjoy unlimited access to savings of up to 50% on travel and at local and national retailers and restaurants.1
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Pharmacy, Vision & Health Savings Programs
Save BIG on glasses/contacts and prescriptions.
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Southern Sentry Identity Vault
Payment Card Protection, Identity Restoration and Identity Monitoring (activation required). Personal Identity Protection up to $5,000.1, 2
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Roadside Assistance Services
Locked your keys in your car? Car won’t start? Roadside assistance is available 24/7.

- Online Banking
- Online Bill Pay
- Visa® Debit Card
- Savings Made Simple Benefits
- E-Statements
- Mobile Banking App
- Unlimited Checking
- Direct Deposit
- Check Imaging
- $10,000 Travel Accidental Death Insurance2
- Interest on All Balances
- Cash Reserve Line of Credit*
*Subject to credit approval
- Cell phone protection and identity theft benefit are subject to additional terms and conditions. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.
- Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
What are your business needs?
OTHER CHECKING ACCOUNT OPTIONS
PRIME CHECKING
Designed for Our Customers-
ID Theft Protection up to $2,5001,2
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E-Statements or Paper Statements
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No service fee when minimum balances are maintained
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Visa Debit Card
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Online Bill Pay
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Online Banking
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Mobile Banking App
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Cashier's Checks
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3" x 5" Safe Deposit Box (subject to availability)
E-CHECKING
The No Frills Bank Account-
ID Theft Protection up to $1,0001,2
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E-Statements Only
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Direct Deposit
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Visa Debit Card
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Online Bill Pay
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Online banking
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Mobile Banking App
Need to Reorder Checks?
Wherever You Go, There We Are.
With the Southern Bank mobile banking app featuring Mobile Deposit, you can bank whenever you want. The app offers a number of time-saving features that allow you to securely access your finances on your phone or tablet devices.
BUSINESS BANKING II
Our Best Value-
Simple, easy-to-understand pricing.
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One low monthly maintenance fee covers up to 250 transaction items.
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Avoid the monthly maintenance fee with $5,000 average collected balance or $15,000 minimum daily ledger balance in total relationship deposits.
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Additional benefits:
Half-price first order of standard three-to-a-page business checks. -
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.
All checking accounts are subject to approval.