PERSONAL CHECKING
Life is complicated enough, so we make it simple to manage your personal checking account. No matter which type of account you open (whether in North Carolina or Virginia), we offer convenient benefits like digital banking, bill pay, and direct deposit, as well as impressive perks that boost your financial confidence like, built-in cell phone protection, 24/7 roadside assistance, and local discounts included with your account. . Itās personal checking that pays you back
Gold Checking
We’ve set the gold standard for personal checking accounts. You’ll enjoy exceptional features for just $7/month ā and your new account is completely free for the first 90 days.
- Online banking and bill pay
- VisaĀ® Debit & Credit Cards
- Savings Made Simple
- E-statements
- Unlimited checkingĀ
- Direct deposit
- Check imaging
- $10,000 Travel Accidental Death Insurance2
- Interest on all balances
- Cash Reserve Line of Credit3
How Can a Southern Bank Personal Checking Account Work for You?
You’ll get access to valuable services and money-saving features to make life a bit easier. Bank where you are.Ā With the Southern Bank mobile banking app featuring Mobile Deposit, you can bank wherever you want. The app offers time-saving features that allow you to securely access your finances on your phone or tablet.
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Cell Phone Protection
If your phone is broken or stolen, weāll 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 mobile 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 Recovery and Restoration, and Identity and Credit 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 wonāt start? Roadside assistance is available 24/7.
Check out our other options to find the one that meets your needs!
Prime Checking
Take advantage of Southern Bank’s key checking features to set a solid banking foundation.
- ID Theft protection up to $2,5001,2
- E-statements or paper statements
- No service fee with minimum balances*
- VisaĀ® Debit Card
- Online banking and bill pay
- Mobile banking app
- Cashier’s checks
- 3″x5″ Safe deposit (subject to availability)
To avoid an $18-per-month service fee, Prime Checking accounts require at least one (1) of the following: $2,500 combined daily balance in deposits, OR $10,000 minimum in combined credit balances (excludes credit cards), OR $10,000 minimum in combined deposit/loan balances, OR obtain and maintain an account with Southern Investment Services. Ask your Southern Banker for more information.
E-Checking
Keep it super simple with this no-frills all-digital checking account that gets the job done.
- ID Theft protection up to $1,2001,2
- E-statements only**
- Direct deposit
- VisaĀ® Debit Card
- Online banking and bill pay
- Mobile banking app
**There is no charge for e-statements. Paper statements are available for $5 per month. The monthly maintenance fee of $3 is waived as long as you maintain a minimum $500 average collected balance OR have at least one (1) direct deposit per statement.
- 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.
- Subject to credit approval.
Let's talk.
Please give us a call at 1.855.275.7226 or fill out the form below, and we’ll be in touch soon to answer your questions and determine the right solutions for you.
Frequently Asked Questions
Yes! Residents of Virginia and North Carolina can open Gold, Prime, or E-Checking accounts online in minutes.
We have over 60 branches across NC and VA, and our digital banking tools help you find the nearest surcharge-free ATM.
Southern Bank offers surcharge-free access at all our branch ATM locations throughout NC and VA. While transactions at non-Southern Bank ATMs may incur a service fee, many of our accounts, like Gold Checking, provide various ways to minimize costs. We recommend using our mobile appās ‘Branch Locator’ to find the nearest fee-free Southern Bank ATM wherever you are.
To open an account online or at any of our North Carolina or Virginia branches, you will need a valid government-issued ID (such as a Driverās License or Passport), your Social Security Number, and your current residential address. If you are opening your account online, you’ll also need your current bank account information to make your initial opening deposit.
