Personal Accounts
Checking
Freedom Checking®
The basics. A simple account to get you started!
- $100 minimum deposit required to open
- $2.95 monthly service charge (waived with eStatements)
- No check images in statement
Lifestyle Checking
One word: convenience.
- $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
Let your money work for you.
- $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 (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
For our valued customers age 50 and older.
- $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 (where available, limit 3 per visit)
Opportunity Card
The safe, easy, and smart way to manage your money.
- $0 minimum opening deposit
- $5 monthly fee
- ($7 monthly with paper statements)
- 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
Season's Savings
Oh what fun it is to save!
- $10 minimum deposit required to open
-
One free withdrawal per quarter ($5 fee per withdrawal after that)
- Earns interest
Money Market
Competitive market rates. Easy access.
- $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