Beyond Banking

SouthernU™ is a banking experience designed especially for YOU, the leaders of tomorrow. The future is bright, and we want to be with you every step of the way.

In addition to checking and savings products tailored to you, SouthernU provides financial wellness, education, counsel, and budgeting tools to foster financial management during school and beyond. You’ll find video learning modules, assistance in navigating student debt, and budgeting tools to help prepare you for what’s ahead.

PLUS ...

You will enjoy additional perks from our best account, Gold Checking. Perks like cell phone protection, product and service discounts, roadside assistance, and identity theft protection are included throughout your Student Banking experience!

SouthernU Banking includes:
SouthernU Student Checking

Can a checking account be more than a place to keep your money in order to spend it? At Southern Bank, we believe banking is personal, allowing us to come alongside our customers – and community – with care and support. SouthernU™ Student Checking enables students and young adults 13 to 25 years old to have access not only to their hard-earned money but also to some pretty great features to protect and guide these special customers toward fiscal responsibility. And best of all, the SouthernU Student Checking account needs an opening deposit of only $25.

Southern Bank Cell Phone Protection

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).

Southern Bank Local Savings

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.

Southern Bank Health Savings

Pharmacy, Vision & Health Savings Programs

Save BIG on glasses/contacts and prescriptions.

Southern Bank Identity Protection

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.

Southern Bank Roadside Assistance

Roadside Assistance Services

Locked your keys in your car? Car won’t start? Roadside assistance is available 24/7.

SouthernU™ Student Checking must be opened with an adult joint or secondary owner if under 18; the student/youth would be listed as the primary owner. Product will convert to a standard Gold Checking account on the individual’s 26th birthday.Subject to terms and conditions detailed in the Guide to Benefits. Insurance products are NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE BANK OR ANY GOVERNMENT AGENCY. Identity monitoring requires additional activation to begin.

SouthernU™ Student Savings

It’s never too early to invest in your future. With an additional $25 deposit, the SouthernU™ Student Savings account is the perfect way to start socking away the money you’re earning today so you can watch it grow up with you. You can then take advantage of our Savings Made Simple program, which automatically rounds up your debit card purchases to the nearest dollar, and deposits that difference into your savings account.

Interest COMPOUNDS DAILY based on the DAILY COLLECTED balance of the account. Rates are subject to change. Interest is credited to the account on the last day of the month or at checking statement drop if the account is combined with a SouthernU™ Student Checking account. Accounts closed before interest is credited will not receive the accrued interest.

Savings Made Simple Logo

Save with every swipe!

Build your savings account without even thinking about it with Savings Made Simple. By rounding up your purchase to the next whole dollar amount, you’ll add to your savings account any time you use your debit card.

SouthernU™ Study Hall
(Money Mentor)

Whether you’re on the path to college, headed for the military, or planning to jump right into the workforce, the transition into adulting can be daunting. But you never have to go it alone with Southern Bank by your side. The SouthernU™ Study Hall (Money Mentor) program provides guidance to help you develop financial smarts in areas like budget creation, savings and investments, and car loans so you can walk into your future with confidence.

Financial Wellness Starts Here - Logo
Ready to open an account?

Or if you want to know more, fill out the form below or give us a call at 1.855.275.7226.