Our New Digital Banking Experience Has Launched!
Southern Bank Digital is here, and the steps to log in have changed. All future logins will use the link below, or if you come to our homepage first,
click the new "LOGIN" button on the right side of your screen.

Log In to Southern Bank Digital   Download the New iOS App Here   Download the New Android App Here   Learn More

“IMPORTANT: Online and mobile access for consumer credit cards is temporarily unavailable while we complete our system transition. This page will be updated when access is available.”

Southern Everyday Rewards: Get More From What You Buy

Earn 1 point for every $1 you spend on eligible purchases with a rewards credit card designed to bring more value to everyday spending — all with no annual fee, flexible rewards, and convenient digital access.

Your Purchases. Your Rewards.

From everyday errands to bigger purchases, Southern Everyday Rewards helps make the money you already spend work a little harder.

Earn 1 point for every $1 spent on eligible purchases, then redeem through uChoose Rewards for options that fit your life, including:

Statement credits

Travel

Gift cards

Merchandise

Event tickets

Pay-with-points options

With a flexible credit card rewards program that allows you to pool points across eligible registered accounts and cards, you can choose the rewards that matter most to you.

Your Purchases. Your Rewards.

From everyday errands to bigger purchases, Southern Everyday Rewards helps make the money you already spend work a little harder.

Earn 1 point for every $1 spent on eligible purchases, then redeem through uChoose Rewards™ for options that fit your life, including:

Statement credits

Travel

Gift cards

Merchandise

Event tickets

Pay-with-points options

With a flexible credit card rewards program that allows you to pool points across eligible registered accounts and cards, you can choose the rewards that matter most to you.

More Value Without an Annual Fee

It’s one less cost standing between you and the value of the rewards you earn — whether you use your card for everyday purchases, planned expenses, or something in between.

Manage Your Card Wherever Life Takes You

Access your card through Southern Bank digital banking for an easier way to stay connected to your finances.

With the Southern Bank Banking app, you can review balances, monitor card activity, and redeem rewards from the same place you manage the rest of your finances.

Built for Everyday Confidence

The Southern Everyday Rewards credit card combines convenient payment technology with security features and support designed to help protect your card and keep everyday spending simple.

Tap to pay

Make quick, secure contactless payments where available.

EMV chip technology

Get added security when you use your physical card.

Visa Zero Liability

You are protected from unauthorized transactions, subject to Visa’s applicable terms.

Lost or stolen card replacement

Get help replacing your card if it is lost or stolen.

24/7 cardholder service

Get support when you need it, with Southern Bank Customer Care available during business hours and additional cardholder support available after hours.

A Credit Card Backed by Southern

The right credit card should do more than reward your spending. It should come with the convenience, support, and trusted banking relationship you expect from Southern Bank.

With Southern Everyday Rewards, you’re not managing your card on your own. You have access to digital tools for everyday convenience, plus a banking team that’s here to help when
questions come up or your needs change.

Southern Everyday Rewards FAQs

What is a rewards credit card?
A rewards credit card lets you earn points on eligible purchases that can be redeemed for benefits. With Southern Everyday Rewards, you earn 1 point for every $1 spent on eligible purchases and can redeem points through uChoose Rewards™ for options like statement credits, travel, gift cards, merchandise, event tickets, and more.
How do credit card rewards work?
With Southern Everyday Rewards, you earn 1 point for every $1 spent on eligible purchases. Points can be redeemed through uChoose Rewards™ for options including statement credits, travel, gift cards, merchandise, event tickets, and more.
Is there an annual fee?

No. Southern Everyday Rewards has no annual fee.

How can I redeem my rewards?
Rewards can be redeemed through uChoose Rewards™. Available redemption options include statement credits, travel, gift cards, merchandise, event tickets, and pay-with-points options.
How do I manage my credit card?

Visit Southern Bank digital banking via desktop or mobile to review balances and card activity, and to access your rewards.

What security features are included?

Southern Everyday Rewards includes tap-to-pay functionality, EMV chip technology, and Visa Zero Liability protection for unauthorized transactions, subject to applicable Visa terms.

Can I combine rewards points from multiple cards?
Yes. uChoose Rewards™ allows you to pool points across eligible registered accounts and cards, giving you more flexibility in how you build and redeem your rewards.

Make More of Everyday Spending

Earn rewards, enjoy no annual fee, and manage your card with the convenience and support of Southern Bank.

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