Cash Reserve Line of Credit*

In case of an emergency or accidental overdraft, Cash Reserve can be a lifesaver. Just write a check and write yourself a loan anytime, anywhere.

  • Get an automatic line of credit built right into your checking account to cover overdrafts.
  • Use your own checks or make a loan directly from your reserve account with special Cash Reserve checks.
  • There is no charge to establish a Cash Reserve. – Finance charges only accrue when you use it.
  • Funds are advanced to your checking account in the amount that you need.

Reserve Plus Line of Credit*

This has all the advantages of Cash Reserve, plus larger lines of credit are available at lower interest rates. The variable interest rate you pay is based on the amount of credit line approved and is tied to Southern Bank’s prime rate.

Normal credit approval applies on all checking accounts, loans, lines of credit, and credit cards.

*The prime rate used to determine your APR is the Southern Bank prime rate on the last business day of the previous calendar month.

Help Center

  • Lost or Stolen Debit or ATM Card

    1.855.ASK.SBANK (1.855.275.7226)

  • Lost or Stolen Credit Card


  • 24 Hour Emergency Roadside Assistance

    Lock your keys in your car? Car won’t start? Call 1.833.278.1576. It’s free to use up to $80 in service charges. (For GOLD accounts with BaZing Only.)

  • Reorder Checks

    Click Here. Safe & Secure check ordering through Deluxe, our preferred check printer.

  • Customer Care Center

    1.855.ASK.SBANK (1.855.275.7226)
    Mon-Fri 8am-7pm Sat 9am-1pm Treasury Services Support availableMon-Fri 8am-5:30pm Closed Sun & federal holidays

Online Banking

Don’t have Online Banking? Sign Up