Southern Bank’s new digital banking experience launched Monday, Oct. 19, 2026, bringing a more modern platform, streamlined access, and enhanced tools for managing your finances.
How to Get Started
Personal Digital Banking Users
Access Southern Bank Digital on or after Oct. 19
- Open your current Southern Bank app and follow the “Update Required” prompt to the Apple App Store or Google Play Store.
- Download Southern Bank Digital.
- Enter your current password.
- Create a new password when prompted, if applicable.
- Authenticate using dual factor authentication.
Once You’re Logged In
Take a few minutes to make the new experience your own:
- Choose which accounts and information you want front and center on your dashboard.
- Review your scheduled transactions and recurring payments and re-establish them as needed.
- Review your account and security alerts, and re-enable the notifications you want to receive.
- Explore new tools available within Southern Bank Digital.
- Review your payees to ensure they came over as expected.
- Your current payee information will already be available in the new experience.
If you have questions, call Customer Care at 1.855.275.7226.
Business Digital Banking Users
Access Southern Bank Digital on or after Oct. 19
- Delete your current business banking app.
- Download Southern Bank Digital from the Apple App Store or Google Play Store, or visit SouthernBank.com to access digital banking online.
- Log in via the mobile app or desktop. Your username will be your current Company ID, immediately followed by your User ID (example: 123456admin).*
- Enter your current password.
- Create a new password when prompted. Password must be at least 12 characters.
- Verify your identity using dual authentication.
- Review your recurring payments, scheduled transactions, and alert settings.
*Legacy Business Online customers can log in using their existing username and password. A Company ID is not required.
Once You’re Logged In
Take a few minutes to review your account setup:
- Confirm the accounts and information you want displayed on your dashboard.
- Review recurring payments and scheduled transactions, and re-establish them as needed.
- Review your account and security alert settings.
- Once logged in, you can change your Login ID by going to Settings > Update Login ID. Your Login ID must be between 6 and 18 characters.
Your existing payee information will carry over, but recurring payments and scheduled transactions will need to be re-established.
If you have questions, call Customer Care at 1.855.275.7226.
Treasury Users
If your business uses Treasury services, you may have additional steps. Follow the transition instructions provided directly to your company, including guidance for login credentials, security tokens, ACH (payroll and vendor pay) and wire activity, user permissions, and other Treasury services (like adding a user).
Access Southern Bank Digital on or after Oct. 19
- Visit SouthernBank.com to access digital banking online.
- Log in using your current Company ID followed immediately by your User ID, with no spaces (for example, 123456admin).
- Enter your current password.
- Create a new password when prompted, if applicable.
- Authenticate using two-factor authentication.
- Once logged in, you can change your Login ID by going to Settings > Update Login ID. Your Login ID must be between 6 and 18 characters.
- Only have access to Remote Deposit? Choose Remote Deposit Capture from Drop down
First Time Action Items:
After logging in, complete these important setup steps:
- Activate your new security token. Download the Symantec VIP app and call Southern Bank Customer Care at 1.855.275.7226. Select option 3 and provide your Credential ID so our team can connect your token credential to your profile.
- Confirm your ACH and wire information transferred as expected before completing time-sensitive transactions.
- Review and process Positive Pay and ACH Positive Pay exceptions, if applicable. The new cutoff time is 1:00 PM for all clients.
- Re-establish recurring or future-dated transactions as needed. Your existing ACH and wire payees will remain available, although recurring activity associated with those payees may still need to be set back up.
- Confirm users and permissions are set up correctly and review your account and security alerts under Alerts > Alert Settings.
- Reconnect outside applications, if applicable. If you use a software or accounting platform connected to your digital banking credentials, re-establish the sync within your software or accounting program by reconnecting your credentials.
Mobile App (Soft Token) Users: Download the Symantec VIP app and call our Customer Care Team at 1.855.275.7226. Select option 3 and provide your Credential ID so our team can connect your token credential to your profile. Complete this step before your first login to ensure your token is connected and ready to use. For additional guidance, see “Enabling Soft Token” in the Treasury Resources below.
Physical (Hard Token) Users: Keep your physical token secure and available for your first login. For additional guidance, see “Enabling Hard Token” in the Treasury Resources below.
Before completing time-sensitive ACH or wire transactions, take a moment to confirm that your access, permissions, templates, and applicable services are set up as expected. For further guidance, see the Treasury Resources below.
Remote Deposit Capture Only Customers: If you only use Remote Deposit Capture, select “LOGIN” in the top right corner of SouthernBank.com, then choose “Remote Deposit Capture” from the drop-down menu.
If you have questions about your Treasury transition or specific services, call Customer Care at 1.855.275.7226 and select option 3 for guidance.
What to Expect From the New Experience
The upgraded platform is designed to make account management easier for both personal and business digital banking users on desktop and mobile devices.
Depending on the accounts and services you use, enhancements may include:
- A fresh, modern appearance with improved navigation
- A more consistent experience across online and mobile banking
- Personalized dashboards that prioritize the information most useful to you
- Easier connections to external accounts and transfers
- Credit score access and financial insights
- Improved self-service tools for login, account and preference management
- Stronger authentication, security and fraud-monitoring capabilities
- More connected access to eligible banking, credit card and wealth management information
Business and treasury clients will also benefit from a more streamlined login experience. Treasury users will no longer need to enter a separate company ID, making it easier to access accounts through one digital banking platform. You’ll also gain broader mobile capabilities and enhanced fraud-management tools.
What Will Stay the Same?
Several familiar services will remain available within the new digital banking experience. Bill Pay and Zelle® will continue to be available for business customers. Most customers will not need to recreate their existing Bill Pay setup or payee information.
Treasury Resources
- First-time Login
- Navigating Digital Banking Platform
- Creating an ACH Recipient
- Creating a Wire Recipient
- ACH Template and Collecting an ACH Draft
- ACH Template and Sending Payroll
- ACH Template and Sending Vendor Payments
- Wire Template and Sending Wire
- Creating an ACH Transaction
- Creating a Wire Transfer
- Enabling Soft Token
- Enabling Hard Token
- Setting Up a Scheduled Request
- User Setup and Management
Video Tutorials:
- Logging in and Digital Banking Platform Overview
- ACH Collection
- ACH Payroll
- ACH Vendor Pay
- Adding a Recipient
- Adding a User
- Wires
- Scheduled Requests
- Uploading NACHA Files
Stay Alert for Fraud
Periods of change can create opportunities for scammers. Southern Bank will never contact you to request your password, full account credentials, or a one-time security code.
Be cautious of unexpected calls, emails, or text messages asking you to act immediately or follow an unfamiliar link. Access digital banking through the official Southern Bank website or the verified Southern Bank app listing in your device’s app store.
We’re Here to Help
For assistance with the new digital banking experience, contact Customer Care at 1.855.275.7226.
