{"id":35025,"date":"2025-07-21T09:24:17","date_gmt":"2025-07-21T14:24:17","guid":{"rendered":"https:\/\/staging.banksouthern.com\/?page_id=35025"},"modified":"2025-12-29T10:51:47","modified_gmt":"2025-12-29T16:51:47","slug":"doble","status":"publish","type":"page","link":"https:\/\/staging.banksouthern.com\/es\/ida\/double\/","title":{"rendered":"Duplique sus ahorros con una cuenta de ahorro igualada"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_0 et_pb_row et_block_row\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><div class=\"TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol--buildingBlock\">Now accepting applications from <strong>Phillips<\/strong> and <strong>Coahoma County<\/strong> residents! <span>(<\/span><span>Limited<\/span><span> <\/span><span>Accounts<\/span><span> <\/span><span>Available, Check Eligibility Below<\/span><span>)<\/span><\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_1 et_pb_row et_pb_equal_columns et_block_row\"><div class=\"et_pb_column_1 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h1><span class=\"double\">Double<\/span><\/h1>\n<div class=\"line-two\"><span class=\"your_savings\">your savings<\/span><span class=\"two_x\">2X<\/span><\/div>\n<\/div><\/div><div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><p>With a matched savings account<\/p>\n<\/div><\/div><\/div><div class=\"et_pb_column_2 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_image_0 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/ida_double_image-2.png\" width=\"766\" height=\"722\" srcset=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/ida_double_image-2.png 766w, https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/ida_double_image-2-480x452.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 766px, 100vw\" class=\"wp-image-35028 wp-image-25016\" title=\"ida_double_image\" \/><\/span><\/div><\/div><\/div><div class=\"et_pb_row_2 et_pb_row et_block_row\"><div class=\"et_pb_column_3 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><p><span>Home<\/span><span> <\/span><span>Repair | <\/span>Homeownership | <span>Post-Secondary <\/span>Education | Entrepreneurship<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_2 et_pb_section et_section_regular et_block_section meshGradient\"><div class=\"et_pb_row_3 et_pb_row et_block_row\"><div class=\"et_pb_column_4 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><style>\n      .meshGradient {                      \n        overflow: hidden;\n        background-size: 400% 400%;\t        \n      }\n<\/style>\n<script>\n        const meshGradient = document.querySelector('.meshGradient');\n        let targetX = 50;\n        let targetY = 50;\n        let currentX = 50; \/\/ Initial position X\n        let currentY = 50; \/\/ Initial position Y\n        const smoothing = 0.05; \/\/ Adjust this value for more or less smoothing\n\n        let mouseMoved = false;\n        let inactivityTimer;\n        let defaultAnimationTime = 0; \/\/ Used for the default animation cycle\n\n        document.addEventListener('mousemove', function(e) {\n            targetX = (e.clientX \/ window.innerWidth) * 100;\n            targetY = (e.clientY \/ window.innerHeight) * 100;\n            mouseMoved = true; \/\/ Flag that mouse is controlling the gradient\n\n            \/\/ Reset inactivity timer\n            clearTimeout(inactivityTimer);\n            inactivityTimer = setTimeout(() => {\n                mouseMoved = false; \/\/ Mouse is now inactive, default animation will take over\n            }, 1000); \/\/ 1 second of inactivity before reverting to default animation\n        });\n\n        function animateGradient() {\n            if (!mouseMoved) {\n                \/\/ Default animation logic when mouse is inactive\n                defaultAnimationTime += 0.002; \/\/ Increment time for animation cycle, adjust for speed\n                \/\/ Oscillate targetX between ~2% and ~98% for a gentle horizontal pan\n                targetX = 50 + Math.sin(defaultAnimationTime) * 48;\n                targetY = 50; \/\/ Keep targetY stable, or animate it similarly if desired\n                               \/\/ e.g., targetY = 50 + Math.cos(defaultAnimationTime * 0.7) * 10;\n            }\n\n            \/\/ Smoothly interpolate current position towards the target position\n            currentX += (targetX - currentX) * smoothing;\n            currentY += (targetY - currentY) * smoothing;\n\n            meshGradient.style.backgroundPosition = `${currentX}% ${currentY}%`;\n\n            requestAnimationFrame(animateGradient); \/\/ Continue the animation loop\n        }\n\n        \/\/ Initialize background position via JavaScript as CSS animation is removed\n        meshGradient.style.backgroundPosition = `${currentX}% ${currentY}%`;\n        animateGradient(); \/\/ Start the animation loop\n    <\/script><\/div><\/div><\/div><\/div><div class=\"et_pb_row_4 et_pb_row et_pb_equal_columns et_block_row\"><div class=\"et_pb_column_5 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><p>You<br \/>Save<br \/><strong>$1,000<\/strong><\/p>\n<\/div><\/div><div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>+<\/p>\n<\/div><\/div><div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><p>IDA<br \/>Matches<br \/><strong>$1,000<\/strong><\/p>\n<\/div><\/div><div class=\"et_pb_text_7 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>=<\/p>\n<\/div><\/div><div class=\"et_pb_text_8 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><p>Total<br \/><strong>$2,000<\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_3 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_5 et_pb_row et_block_row\"><div class=\"et_pb_column_6 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_9 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h3>How the IDA Program Works<\/h3>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_row_6 et_pb_row et_block_row\"><div class=\"et_pb_column_7 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_0 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/step_1-3.svg\" class=\"wp-image-35029\" alt=\"Step 1\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Check Your Eligibility<\/h4><div class=\"et_pb_blurb_description\"><p class=\"text-slate-600 mb-3 max-w-2xl\">The program is open to income-qualified <strong>Phillips<\/strong> and <strong>Coahoma County<\/strong> residents who met <strong>Earned Income Tax Credit<\/strong> requirements in 2024 (see chart).<\/p>\n<div class=\"flex flex-wrap gap-2\"><\/div>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_text_10 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><table border=\"1\" style=\"border-collapse: collapse; width: 105.467%;\" height=\"256\">\n<thead>\n<tr>\n<td style=\"width: 33.3333%;\">Number of Qualifying Children or Relatives<\/td>\n<td style=\"width: 33.3333%;\">Single\/Head of Household <strong>OR<\/strong> Qualifying Surviving Spouse <strong>OR<\/strong> Married Filing Separately<\/td>\n<td style=\"width: 33.3333%;\">Married Filing Jointly<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 33.3333%;\">Zero<\/td>\n<td style=\"width: 33.3333%;\">$18,591<\/td>\n<td style=\"width: 33.3333%;\">$25,511<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%;\">One<\/td>\n<td style=\"width: 33.3333%;\">$49,084<\/td>\n<td style=\"width: 33.3333%;\">$56,004<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%;\">Two<\/td>\n<td style=\"width: 33.3333%;\">$55,768<\/td>\n<td style=\"width: 33.3333%;\">$62,688<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%;\">Three or more<\/td>\n<td style=\"width: 33.3333%;\">$59,899<\/td>\n<td style=\"width: 33.3333%;\">$66,819<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_row_7 et_pb_row et_pb_row_4col et_block_row et_block_row_4col\"><div class=\"et_pb_column_8 et_pb_column et_pb_column_1_4 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_1 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/step_2.svg\" class=\"wp-image-35030\" alt=\"Step 2\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Apply<\/h4><div class=\"et_pb_blurb_description\"><p>You'll need to provide specific documents to verify your identity, income, and chosen savings path.<\/p>\n<div class=\"flex flex-wrap gap-2\"><\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_column_9 et_pb_column et_pb_column_1_4 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_2 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">p<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Required Documents<\/h4><\/div><\/div><\/div><div class=\"et_pb_blurb_3 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/step_1.1.svg\" class=\"wp-image-35031\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Valid State-Issued Photo ID<\/h4><div class=\"et_pb_blurb_description\"><p>State ID, driver's license, U.S. passport, or military ID<\/p>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_blurb_4 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/step_2.2.svg\" class=\"wp-image-35032\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">2024 Form 1040<\/h4><div class=\"et_pb_blurb_description\"><p>Pages 1 and 2 of your 2024 tax return<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_column_10 et_pb_column et_pb_column_1_4 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_5 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/step_3.2.svg\" class=\"wp-image-35033\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Saving Path Documentation<\/h4><div class=\"et_pb_blurb_description\"><p>Specific documents based on your chosen saving path (See below)<\/p>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_blurb_6 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/home-03.svg\" class=\"wp-image-35034\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Homeownership<\/h4><div class=\"et_pb_blurb_description\"><p class=\"text-sm text-slate-700 leading-relaxed\">Funds can be used for downpayment and closing on a home of which I am listed as owner or co-owner.<\/p>\n<p><span class=\"required\"><strong>Required Document<\/strong><br \/>A letter from your lender stating you have been approved for a loan and are in the process of obtaining a home.<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_blurb_7 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/tool-01.svg\" class=\"wp-image-35035\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Home Repairs<\/h4><div class=\"et_pb_blurb_description\"><p class=\"text-sm text-slate-700 leading-relaxed\">Funds can be used for major appliance replacement due to wear and tear, and\/or home improvements or repairs to my home.<\/p>\n<p><span class=\"required\"><strong>Required Document<\/strong><br \/>The property card from my county's assessor's office listing me as owner or co-owner of the property.<\/span><\/p>\n<p>&nbsp;<\/p>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_blurb_8 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/briefcase-02.svg\" class=\"wp-image-35036\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Entrepreneurship<\/h4><div class=\"et_pb_blurb_description\"><p class=\"text-sm text-slate-700 leading-relaxed\">Funds can be used for an existing or start-up business.<\/p>\n<p><span class=\"required\"><strong>Required Document<\/strong><br \/>An executive summary of my business including how I plan to use the funds.<br \/><\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_blurb_9 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/graduation-hat-02.svg\" class=\"wp-image-35037\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Post-Secondary Education<\/h4><div class=\"et_pb_blurb_description\"><p class=\"text-sm text-slate-700 leading-relaxed\">Funds can be used for educational expenses and tuition for yourself or your qualifying child.<\/p>\n<p><span class=\"required\"><strong>Required Document<\/strong><br \/>A current or future class schedule as proof of enrollment.<br \/><\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_column_11 et_pb_column et_pb_column_1_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_10 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">\uf05a<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Important Note<\/h4><div class=\"et_pb_blurb_description\"><p class=\"text-sm text-slate-700 leading-relaxed\">You must choose <strong>one saving path<\/strong> and provide the corresponding documentation during the application process.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_row_8 et_pb_row et_block_row\"><div class=\"et_pb_column_12 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_11 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/step_3.svg\" class=\"wp-image-35038\" alt=\"Step 1\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Open Your IDA Account<\/h4><div class=\"et_pb_blurb_description\"><p class=\"text-slate-600 mb-3 max-w-2xl\">Our Program Officer will contact you to help open your FDIC-insured savings account at Southern Bancorp Bank.<\/p>\n<div class=\"flex flex-wrap gap-2\"><\/div>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_blurb_12 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">p<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Account Closure<\/h4><div class=\"et_pb_blurb_description\"><div data-slot=\"card\" class=\"text-card-foreground flex flex-col gap-6 rounded-xl border-2 border-blue-200 bg-blue-50 shadow-sm hover:shadow-lg transition-all duration-300 group\">\n<div data-slot=\"card-content\" class=\"[&amp;:last-child]:pb-6 p-0\">\n<div class=\"p-6\">\n<div class=\"space-y-6\">\n<div class=\"grid md:grid-cols-2 gap-6\">\n<div class=\"space-y-6\">\n<div class=\"bg-blue-100 p-4 rounded-lg border border-blue-300\">\n<div class=\"flex items-start space-x-3\">\n<p class=\"text-sm text-blue-900\">Your IDA account automatically closes when funds are distributed.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_row_9 et_pb_row et_block_row\"><div class=\"et_pb_column_13 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_13 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/step_4.svg\" class=\"wp-image-35039\" alt=\"Home Icon\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Start Saving<\/h4><div class=\"et_pb_blurb_description\"><p class=\"text-slate-600 mb-3 max-w-2xl\">Start building your savings at your own pace, with up to 6 months to reach your $1,000 goal.<\/p>\n<div class=\"flex flex-wrap gap-2\"><\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_column_14 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_14 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/dollar_icon.svg\" class=\"wp-image-35040\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Flexible Deposits<\/h4><div class=\"et_pb_blurb_description\"><div class=\"bg-white p-6 rounded-lg border border-slate-200 text-center\">\n<p class=\"text-sm text-slate-600\">Save gradually over time or deposit larger amounts when convenient<\/p>\n<\/div>\n<div class=\"bg-white p-6 rounded-lg border border-slate-200 text-center\">\n<div class=\"w-16 h-16 bg-blue-100 rounded-lg flex items-center justify-center mx-auto mb-4\"><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_blurb_15 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/clock_icon.svg\" class=\"wp-image-35041\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">30-Day Start Window<\/h4><div class=\"et_pb_blurb_description\"><p>Make your first deposit within 30 days, then save up to 6 months total<\/p>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_blurb_16 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_top et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/check_icon.svg\" class=\"wp-image-35042\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Always Accessible<\/h4><div class=\"et_pb_blurb_description\"><p>Maintain complete access to your saved money at all times<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_row_10 et_pb_row et_block_row\"><div class=\"et_pb_column_15 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_17 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/step_5.svg\" class=\"wp-image-35043\" alt=\"Step 1\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Complete Financial Education Course<\/h4><div class=\"et_pb_blurb_description\"><p class=\"text-slate-600 mb-3 max-w-2xl\">Complete the FDIC Money Smart course during your savings period to build essential financial skills.<\/p>\n<div class=\"flex flex-wrap gap-2\"><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_row_11 et_pb_row et_block_row\"><div class=\"et_pb_column_16 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_blurb_18 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap et_pb_only_image_mode_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/07\/step_6.svg\" class=\"wp-image-35044\" alt=\"Step 1\" \/><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Receive Your Matched Funds<\/h4><div class=\"et_pb_blurb_description\"><p class=\"text-slate-600 mb-3 max-w-2xl\">Funds will be deposited within 7 business days of reaching your savings goal and completing the education course.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_4 et_pb_section et_section_regular et_block_section\" id=\"qualification_checker\"><div class=\"et_pb_row_12 et_pb_row et_block_row\"><div class=\"et_pb_column_17 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_11 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h3>Check My Eligibility<\/h3>\n<\/div><\/div><div class=\"et_pb_text_12 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><div class=\"TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol--buildingBlock\">To determine your program eligibility, complete the form below. If eligible, you\u2019ll be able to begin the application process immediately. If you are not eligible, you will be notified after completing this form.<\/div>\n<\/div><\/div><div class=\"d5_gravity_form_module_divi_gravity_form_0 d5_gravity_form_module_divi_gravity_form free-plan et_pb_module\"><div class=\"et_pb_module_inner\"><div class=\"d5-divi-gravity-form\"><script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gravity-theme gform-theme--no-framework' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_94' ><div id='gf_94' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_94' id='gform_94'  action='\/es\/wp-json\/wp\/v2\/pages\/35025#gf_94' data-formid='94' novalidate><div class='gf_invisible ginput_recaptchav3' data-sitekey='6LftAoopAAAAAKSrBGRqhz1qMI4nvjmiw1_NKjbF' data-tabindex='0'><input id=\"input_f36115395c684c104c00616bfb8ba3a1\" class=\"gfield_recaptcha_response\" type=\"hidden\" name=\"input_f36115395c684c104c00616bfb8ba3a1\" value=\"\"\/><\/div>\n                        <div class='gform-body gform_body'><div id='gform_fields_94' class='gform_fields top_label form_sublabel_below description_below validation_below'><fieldset id=\"field_94_8\" class=\"gfield gfield--type-name gfield--input-type-name gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name has_middle_name has_last_name no_suffix gf_name_has_3 ginput_container_name gform-grid-row' id='input_94_8'>\n                            \n                            <span id='input_94_8_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_8.3' id='input_94_8_3' value=''   aria-required='true'     \/>\n                                                    <label for='input_94_8_3' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                <\/span>\n                            <span id='input_94_8_4_container' class='name_middle gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_8.4' id='input_94_8_4' value=''   aria-required='false'     \/>\n                                                    <label for='input_94_8_4' class='gform-field-label gform-field-label--type-sub '>Middle<\/label>\n                                                <\/span>\n                            <span id='input_94_8_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                    <input type='text' name='input_8.6' id='input_94_8_6' value=''   aria-required='true'     \/>\n                                                    <label for='input_94_8_6' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                <\/span>\n                            \n                        <\/div><\/fieldset><div id=\"field_94_10\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_94_10'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_10' id='input_94_10' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><fieldset id=\"field_94_9\" class=\"gfield gfield--type-address gfield--input-type-address gfield--width-full address-qual-check gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"   data-js=\"geolocation-enabled\"><legend class='gfield_label gform-field-label gfield_label_before_complex' >Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend>    \n                    <div class='ginput_complex ginput_container has_street has_city has_state has_zip ginput_container_address gform-grid-row' id='input_94_9' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_94_9_1_container' >\n                                        <input type='text' name='input_9.1' id='input_94_9_1' value=''    aria-required='true'   autocomplete=\"address-line1\" \/>\n                                        <label for='input_94_9_1' id='input_94_9_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_94_9_3_container' >\n                                    <input type='text' name='input_9.3' id='input_94_9_3' value=''    aria-required='true'   autocomplete=\"address-level2\" \/>\n                                    <label for='input_94_9_3' id='input_94_9_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_94_9_4_container' >\n                                        <input type='text' name='input_9.4' id='input_94_9_4' value=''      aria-required='true'   autocomplete=\"address-level1\" \/>\n                                        <label for='input_94_9_4' id='input_94_9_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_94_9_5_container' >\n                                    <input type='text' name='input_9.5' id='input_94_9_5' value=''    aria-required='true'   autocomplete=\"postal-code\" \/>\n                                    <label for='input_94_9_5' id='input_94_9_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                <\/span><input type='hidden' class='gform_hidden' name='input_9.6' id='input_94_9_6' value='' \/>\n                    <div class='gf_clear gf_clear_complex'><\/div>\n                <input type='hidden' class='gform_hidden' name='input_9.geolocation_latitude' id='input_94_9_geolocation_latitude' value=''\/><input type='hidden' class='gform_hidden' name='input_9.geolocation_longitude' id='input_94_9_geolocation_longitude' value=''\/><\/div><\/fieldset><fieldset id=\"field_94_1\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Filing Status<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_94_1'>\n\t\t\t<div class='gchoice gchoice_94_1_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_1' type='radio' value='Single'  id='choice_94_1_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_94_1_0' id='label_94_1_0' class='gform-field-label gform-field-label--type-inline'>Single<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_94_1_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_1' type='radio' value='Married Filing Separately'  id='choice_94_1_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_94_1_1' id='label_94_1_1' class='gform-field-label gform-field-label--type-inline'>Married Filing Separately<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_94_1_2'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_1' type='radio' value='Married Filing Jointly'  id='choice_94_1_2' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_94_1_2' id='label_94_1_2' class='gform-field-label gform-field-label--type-inline'>Married Filing Jointly<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_94_1_3'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_1' type='radio' value='Head of Household'  id='choice_94_1_3' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_94_1_3' id='label_94_1_3' class='gform-field-label gform-field-label--type-inline'>Head of Household<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_94_1_4'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_1' type='radio' value='Qualifying Surviving Spouse'  id='choice_94_1_4' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_94_1_4' id='label_94_1_4' class='gform-field-label gform-field-label--type-inline'>Qualifying Surviving Spouse<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><fieldset id=\"field_94_3\" class=\"gfield gfield--type-radio gfield--type-choice gfield--input-type-radio gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label' >Number of Qualifying Children<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/legend><div class='ginput_container ginput_container_radio'><div class='gfield_radio' id='input_94_3'>\n\t\t\t<div class='gchoice gchoice_94_3_0'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_3' type='radio' value='0 Children'  id='choice_94_3_0' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_94_3_0' id='label_94_3_0' class='gform-field-label gform-field-label--type-inline'>0 Children<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_94_3_1'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_3' type='radio' value='1 Child'  id='choice_94_3_1' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_94_3_1' id='label_94_3_1' class='gform-field-label gform-field-label--type-inline'>1 Child<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_94_3_2'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_3' type='radio' value='2 Children'  id='choice_94_3_2' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_94_3_2' id='label_94_3_2' class='gform-field-label gform-field-label--type-inline'>2 Children<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_94_3_3'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_3' type='radio' value='3 Children'  id='choice_94_3_3' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_94_3_3' id='label_94_3_3' class='gform-field-label gform-field-label--type-inline'>3 Children<\/label>\n\t\t\t<\/div>\n\t\t\t<div class='gchoice gchoice_94_3_4'>\n\t\t\t\t\t<input class='gfield-choice-input' name='input_3' type='radio' value='More Than 3 Children'  id='choice_94_3_4' onchange='gformToggleRadioOther( this )'    \/>\n\t\t\t\t\t<label for='choice_94_3_4' id='label_94_3_4' class='gform-field-label gform-field-label--type-inline'>More Than 3 Children<\/label>\n\t\t\t<\/div><\/div><\/div><\/fieldset><div id=\"field_94_6\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-full gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_94_6'>Total Income<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_number'><input name='input_6' id='input_94_6' 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class=\"et_pb_blurb_19 et_pb_blurb et_pb_bg_layout_light et_pb_blurb_position_left et_pb_module et_block_module\"><div class=\"et_pb_blurb_content\"><div class=\"et_pb_main_blurb_image\"><span class=\"et_pb_image_wrap\"><span class=\"et-pb-icon\">p<\/span><\/span><\/div><div class=\"et_pb_blurb_container\"><h4 class=\"et_pb_module_header\">Important Note on Saved Funds<\/h4><div class=\"et_pb_blurb_description\"><div data-slot=\"card\" class=\"text-card-foreground flex flex-col gap-6 rounded-xl border-2 border-blue-200 bg-blue-50 shadow-sm hover:shadow-lg transition-all duration-300 group\">\n<div data-slot=\"card-content\" class=\"[&amp;:last-child]:pb-6 p-0\">\n<div class=\"p-6\">\n<div class=\"space-y-6\">\n<div class=\"grid md:grid-cols-2 gap-6\">\n<div class=\"space-y-6\">\n<div class=\"bg-blue-100 p-4 rounded-lg border border-blue-300\">\n<div class=\"flex items-start space-x-3\">\n<p class=\"text-sm text-blue-900\">Your saved funds AND matched funds must both be used for your chosen savings path.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_5 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_13 et_pb_row et_block_row\"><div class=\"et_pb_column_18 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_13 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><h3 class=\"TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph\"><span>FAQs<\/span><\/h3>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_row_14 et_pb_row et_block_row\"><div class=\"et_pb_column_19 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_accordion_0 et_pb_accordion et_pb_module et_block_module\"><div class=\"et_pb_accordion_item_0 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_open et_block_module\"><h5 class=\"et_pb_toggle_title\">What can I use the funds for?<\/h5><div class=\"et_pb_toggle_content\"><p>Both your saved funds AND matched funds must be used for your chosen savings path. The options are: Home downpayment and closing costs, Home repairs, Entrepreneurship, and Post-Secondary Education. You must choose one and use all saved and matched money in support of the chosen goal.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_1 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">What qualifies as a repair?<\/h5><div class=\"et_pb_toggle_content\"><div class=\"TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol--buildingBlock\">Renovations, repairs, additions, landscaping, energy efficiency upgrades, appliances<u>,<\/u>\u00a0fixtures, and shutters.<\/div>\n<\/div><\/div><div class=\"et_pb_accordion_item_2 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">What qualifies as post-secondary education? <\/h5><div class=\"et_pb_toggle_content\"><p>Enrollment in post-secondary institutions such as colleges, universities, trade schools, cosmetology schools, and similar programs. To qualify, individuals must provide proof of current enrollment, active coursework, and an outstanding balance owed to the institution.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_3 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">Can the homeownership or home repair funds be used for a rental, or does it have to be the primary residence?<\/h5><div class=\"et_pb_toggle_content\"><p>Use of funds is for owned primary residences only.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_4 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">How long do IDA participants have to save?<\/h5><div class=\"et_pb_toggle_content\"><p>From the account opening date, participants have a period of 6 months maximum to reach their savings goal. You can save and complete the savings goal sooner.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_5 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">Is there a minimum saving time?<\/h5><div class=\"et_pb_toggle_content\"><p>Participants must make an initial deposit within 30 days of opening or their account will be closed. They also must meet their savings goal and complete the Money Smart Course certification within six months of account opening.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_6 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">When does the savings time period start?<\/h5><div class=\"et_pb_toggle_content\"><p>The saving period starts when the IDA savings account is opened.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_7 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">Is the course pass\/fail OR just complete.<\/h5><div class=\"et_pb_toggle_content\"><p>The course must be passed for a certificate to be produced. The certificate is required for the financial education component of the IDA savings program.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_8 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">How often does someone need to make a savings contribution?<\/h5><div class=\"et_pb_toggle_content\"><p>We suggest monthly deposits, but one-time or several lump deposits are allowable.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_9 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">How can participants make their required savings deposits?<\/h5><div class=\"et_pb_toggle_content\"><ul>\n<li class=\"TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol--buildingBlock\">Participants have the flexibility to make their required savings deposits in a single lump-sum deposit or multiple deposits made over the 6-month program duration.<\/li>\n<li class=\"TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol--buildingBlock\">Funds may be deposited at a local branch in Phillips or Coahoma county. If an account is opened via email, the IDA Program Officer will provide instructions on making remote deposits.<\/li>\n<\/ul>\n<\/div><\/div><div class=\"et_pb_accordion_item_10 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">How much is needed as an initial deposit to open the account?<\/h5><div class=\"et_pb_toggle_content\"><p>$20<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_11 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">How are the IDA matched funds distributed?<\/h5><div class=\"et_pb_toggle_content\"><p>Matched funds (up to $1,000) are deposited into your personal IDA account. <span data-teams=\"true\">Receipts for use of your saved and matched funds<\/span> must be submitted within 3 business days of receiveing matched funds.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_12 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">Can the saved and matched funds be immediately transferred to a regular checking account?<\/h5><div class=\"et_pb_toggle_content\"><p>Yes, the funds can be immediately transferred.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_13 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">Once the saved and matched funds are transferred, does the IDA account need to be closed?<\/h5><div class=\"et_pb_toggle_content\"><p>The account will close once the account is at a zero balance. There isn\u2019t any participant action needed.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_14 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">How long can funds be left in that account?<\/h5><div class=\"et_pb_toggle_content\"><p>Each participant has 6 months to use the funds from when they open their IDA matched savings account.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_15 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">Why is a W-9 form needed?<\/h5><div class=\"et_pb_toggle_content\"><p>The W-9 form is required to report the match funds as taxable income to the IRS. This ensures compliance with tax regulations.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_16 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">Are an individual's savings also taxed?<\/h5><div class=\"et_pb_toggle_content\"><p>No, only the match portion of the funds is considered taxable income. A participant\u2019s savings portion is not taxed.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_17 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">What happens if someone does not submit a W-9 form?<\/h5><div class=\"et_pb_toggle_content\"><p>Without a completed W-9 form, we cannot process the match funds, as we need to report these funds to the IRS.<\/p>\n<\/div><\/div><div class=\"et_pb_accordion_item_18 et_pb_accordion_item et_pb_toggle et_pb_module et_pb_toggle_close et_block_module\"><h5 class=\"et_pb_toggle_title\">Where is the routing number and account number for an IDA account?<\/h5><div class=\"et_pb_toggle_content\"><ul>\n<li class=\"TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol--buildingBlock\">Routing Number: 082901334<\/li>\n<li class=\"TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph HighlightSol HighlightSol--buildingBlock\">The account number can be found in the account documents.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_6 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_15 et_pb_row et_block_row\"><div class=\"et_pb_column_20 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_14 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><h3 class=\"TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph\"><span>Questions?<\/span><\/h3>\n<h4><span>Email us at <a href=\"mailto:IDA@banksouthern.com\">IDA@banksouthern.com<\/a><\/span><\/h4>\n<div class=\"TypographyPresentation TypographyPresentation--medium RichText3-paragraph--withVSpacingNormal RichText3-paragraph\">IDAs are FDIC insured accounts opened and maintained in Southern Bancorp Bank, Member FDIC, using matched funds provided by the Walton Family Foundation.<\/div>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":10414,"featured_media":0,"parent":24856,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-35025","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/pages\/35025","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/users\/10414"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/comments?post=35025"}],"version-history":[{"count":14,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/pages\/35025\/revisions"}],"predecessor-version":[{"id":36575,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/pages\/35025\/revisions\/36575"}],"up":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/pages\/24856"}],"wp:attachment":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media?parent=35025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}