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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

Ready to get started?

Contact us now or drop by the nearest Southern Bancorp location.