Checking
Freedom Checking®
- $100 minimum deposit required to open
- $2.95 monthly service charge (waived with eStatements)
- No check images in statement
Lifestyle Checking
- $100 minimum deposit required to open
- $7 monthly service charge on minimum balance less than $500
- Service charge waived with eStatements
- $5.95 monthly service charge for bill pay (waived with direct deposits)
- Check images with statement
Personal NOW Checking
- $100 minimum deposit required to open
- $8 monthly service charge on minimum balance less than $600
- Interest paid on full balance
Southern Club Checking
An account that insures your future.
- $100 minimum deposit required to open
- Free Online Banking with Bill Pay
- Everywhere Cash Savings, ID Theft Protection through SouthernClubChecking.com
- Free cashier’s checks and money orders (where available, limit 3 per visit)
- Free small safe deposit box (where available)
- AD&D insurance benefits
- Earn interest on balances $600 and above
- $10-$12 monthly service charge based on insurance coverage plan
Classic Gold Checking
- $100 minimum deposit required to open
- No monthly service charge
- Interest paid on balances $1,000 and above
- Free select personalized checks (limit 2 boxes)
- Free cashier’s checks and money orders (where available, limit 3 per visit)
Opportunity Card
- $0 minimum opening deposit
- $5 monthly fee
- NO overdraft
- FREE Branch access, telephone banking, bill pay, check cashing, online banking, bank alerts, electronic monthly statements, and in branch deposits
- FREE use of in-network ATM ($2.50 or less for out-of-network)
- $0.50 per mobile deposit; limit 3 per day
Savings
Regular Savings
Saving is key to financial stability. Start your journey today.
- $50 minimum deposit required to open
- $5 quarterly service charge on balances below $50
- $3 fee per withdrawal in excess of 6 per statement cycle
- Earns interest
School Savings
Easy as 1-2-3.
- Available in select locations, inquire for details.
- No service charge for students age 18 and under
- $3 fee per withdrawal in excess of 6 per statement cycle
- Earns interest
Christmas Savings
- $10 minimum deposit required to open
- $5 fee per withdrawal if done prior to end of plan year
- Earns interest
- Checks issued at end of plan year mid-November
Money Market
- $1,000 minimum deposit required to open
- $10 monthly service charge if minimum balance drops below $1,000
- $5 fee per withdrawal in excess of 6 per statement cycle
- Tiered interest
But wait, there’s more!
Southern Bancorp offers a suite of free services to help you bank smarter, faster and easier!
Web Banking
With Southern Bancorp’s Web Banking, you can access your accounts, check balances, pay bills and transfer money anywhere you have internet access.
Shake & Bank
Who said checking your bank account balance can’t be fun? With Southern Bancorp’s Shake and Bank app for Apple and Android devices, there’s no need to log into web banking to get your latest balance – just open the app and give it a shake! To get started, download Shake and Bank from the app store, connect it to your Southern Bancorp deposit account, and start shaking to retrieve your balance! It’s a secure, easy and fun way for account holders of all ages to stay on top of their bank balance. Download today and start shaking! 
Pause
Out on the town and can’t find your debit card? Maybe it’s on the kitchen table, maybe it’s in your car, or maybe it’s in the hands of a criminal. Until you find out for sure, grab your computer or smartphone, log into Web Banking under Manage ATM cards and click Pause by your card.
Pause will instantly stop any debit card transactions from being approved until you Un-Pause your card. This safety feature will prevent all debit card approvals for up to 14 days (at which point the card will cancelled to avoid potential security breaches). Note that while your debit card is paused, your bill pay and checks will still be active. Pause is available to any Southern Bancorp debit card holders through web banking or by calling our customer service number 1-800-789-3428.
Text Alert
Stay informed about your account with text alerts from Southern Bancorp. Choose to receive transaction alerts, daily balances and more within seconds of your purchase. Wireless carrier, text and/or data charges may apply. Stop by your nearest location to sign up.