Checking accounts that are anything but basic
There’s a Southern Rewards account for every unique lifestyle. With a variety of features and perks, you can choose the account that best fits your needs.
All Southern Bank personal checking accounts include free mobile deposit, online banking tools, bill pay, refunded ATM fees (up to $25 per statement cycle), and more. Plus, with our free mobile app, you can bank from anywhere.
Our checking accounts are powered by BaZing - an app that gives you access to perks you might not expect from your bank including Cell Phone Protection, ID Theft Aid, Roadside Assistance and more.
Explore our checking accounts or click Open an Account to get started.
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Basic Checking |
Southern Rewards Checking
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Southern Rewards Plus Checking
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Southern Rewards Premium Checking
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Free mobile deposits, use any ATM³, instant issue debit card, & e-statements
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| ATM fee refunds (up to $25 per statement cycle) |
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| Cell phone protection ¹⋅² |
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| ID Theft Aid ¹⋅² |
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| 1B Credit monitoring, free credit report and score, and fraud resolution |
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| Buyer’s Protection & Extended Warranty ¹⋅² |
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| Roadside assistance |
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| $10,000 travel accidental death coverage |
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| Health savings card - |
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| Our best rate of interest on your checking account |
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| Free wallet checks - Limited to 6 orders per year |
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| Monthly Fee |
$7
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$6
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$8
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$10
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| Action Needed to Waive Fee |
Maintain a minimum daily balance of $100, or a direct deposit
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Maintain a minimum daily balance of $750 |
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| Paper Statement Fee |
$3 |
$3 |
$3 |
$3 |
| Action Needed to Waive Fee |
Enroll in eStatements |
Enroll in eStatements |
Enroll in eStatements |
Enroll in eStatements |
| Amount Needed to Open |
$100
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$100 |
$750 |
$500
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| See Additional Terms |
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Southern Rewards Checking |
Southern Rewards Plus |
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Have questions about which account may be the right one for your unique financial needs? Speak with a member of our team. We’re happy to guide you in the right direction!
Open an Account
¹ Cell phone protection, personal identity protection, and buyer's protection and extended warranty are subject to additional terms and conditions.
² Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
³We will refund up to $25 per monthly statement cycle for ATM surcharges imposed by third parties.
