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OPEN ACCOUNT

Power Your Payments. Protect Your Cash Flow.

Southern Bank helps businesses like yours move money, accept payments, protect cash flow, and stay connected to key financial tools — all with our signature hands-on service and regional expertise.
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Scalable Solutions for Modern Businesses

As your business grows, Southern grows with you. That’s why we offer top-tier solutions, convenient digital access, and localized guidance to help you manage your business’s money more efficiently. From everyday transactions to more complex treasury needs, our tools and dedicated support teams help keep your financial operations connected and within reach.

Smarter Money Movement, Seamlessly Connected

Separately, Treasury Services and Merchant Services support how you accept payments and manage money. Together, they keep your business running smoothly.

Many of our clients start with one service and grow into the other. Not sure what makes sense for your business? We put together a cheat sheet for you.

Merchant Services

Accepting card payments

online/mobile checkout

improving your customer payment experience

Treasury Services

Managing large cash flows

Preventing fraud

streamlining payroll

enhancing reporting

Key Features

Treasury Services

Manage large cash flows, streamline payroll, and enhance reporting while protecting yourself against fraud and cybercrime.

  • ACH & Check Positive Pay
  • Wire transfers and ACH origination
  • Zero Balance & Sweep Accounts
  • Remote deposit capture
  • Centralized dashboard for approvals, entitlement controls and user management
  • Enhanced Positive Pay capabilities with stronger validation and mobile exception review
  • Access to eligible commercial card management tools within digital banking
  • Training and ongoing support from our Treasury Services Support (TSS) team
Merchant Services

Accept a wider range of payment options at a lower cost, offer online/mobile checkout, and improve your customer payment experience without adding additional risk.

  • EMV and mobile terminals for in-person or online payment acceptance
  • Next-day credit and mobile acceptance funding
  • 15-minute PCI compliance
  • Digital payment tools
  • Basys partnership for seamless setup
Contact a Treasury Services Officer

For assistance, call Customer Care at 1.855.275.7226 and select option 3.

Southern Means Security

Southern Bank’s treasury services and merchant services include security features designed to help your business reduce risk while keeping important financial activity within view. Enhanced digital banking tools add greater visibility and control, while built-in protections help monitor for potentially suspicious behavior.

Take advantage of:

  • Positive Pay solutions that help monitor incoming and outgoing payments for suspicious activity, with enhanced check validation and payee matching.
  • ACH debit blocks that help stop unauthorized debits and route flagged activity for review.
  • Account and security alerts that help authorized users stay informed about important activity.
Contact a Treasury Officer

Ready to Get Started?

From your initial meeting to implementation to continued support, Southern is with you at every step. Whether you use treasury services, merchant services or both, you’ll have access to dedicated support and connected tools that help your business manage financial activity wherever work takes you.

Give us a call at 1.855.275.7226 or schedule a meeting with one of our team members today.

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