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Personal Checking Accounts

Checking Accounts That Make You Money

Whether you're looking to earn interest on your checking account, cash back, or you just need basic checking, 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.

Explore our checking accounts or click Open an Account to get started. 

Southern cash back checking
5% cash back on debit card purchases of $5 or more during each monthly statement cycle, up to $10

To qualify*, during each monthly statement cycle, you must:

  • Have at least 15 debit card transactions of $5 or more post and settle
  • Have at least one direct deposit or automatic payment (ACH) post and settle AND
  • Be enrolled in and agree to receive e-statement notices
Southern Interest checking
2% interest on the daily balance up to $25,000; .75% interest on the daily balance more than $25,000

To qualify*, during each monthly statement cycle, you must:

  • Have at least 15 debit card transactions of $5 or more post and settle
  • Have at least one direct deposit or automatic payment (ACH) post and settle AND
  • Be enrolled in and agree to receive e-statement notices
Basic checking
A simplified and streamlined solution to your checking account needs. 

Account Includes:

  • Cell phone protection
  • Event Ticket Protection
  • No monthly service fee if minimum $100 balance or one direct deposit each month is met
  • No paper statement fee if enrolled in e-statement notices




























 
Details
 Southern Cash Back Checking Southern Interest Checking
Basic
Checking
Free online banking, bill pay, mobile deposits,
use any ATM³, instant issue debit card, & e-statements
 a blue check mark
a blue check mark
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ATM fee refunds,
up to $25 per statement cycle³
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Cell phone protection ¹⋅²
a blue check mark
a blue check mark
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Discounted access to credit monitoring services
a blue check mark
a blue check mark
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Buyer’s Protection & Extended Warranty ¹⋅²
a blue check mark
a blue check mark
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Roadside assistance 
a blue check mark
a blue check mark
$100,000 travel accidental death coverage
a blue check mark
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Event ticket protection a blue check mark
a blue check mark
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Porch piracy protection a blue check mark
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Free wallet checks - Limited to 6 orders per year
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Minimum Opening Deposit
$750
 $750
$100
Monthly Service Charge Fee
$8
$8
$7
Action Needed to Waive Fee Maintain a minimum daily balance of $750
Maintain a minimum daily balance of $750
 Maintain a minimum daily balance of $100 or direct deposit
Paper Statement Fee $3 $3 $3
Action Needed to Waive Fee Enroll in eStatements Enroll in eStatements Enroll in eStatements

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, 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.

HOME EQUITY LINE OF CREDIT

Take advantage of a 6.15% introductory APR for 6 months and up to $750 towards closing costs

If the equity in your home has increased, it might be a good time to consider a Home Equity Line of Credit to work toward your goals. Common uses for a HELOC:
 
  • Home Improvement Projects
  • Travel
  • Consolidating Debt 
  • Caring for Loved Ones
Offer subject to credit approval. Click here for details. (Opens in a new Window)