Personal Checking

Southern Rewards Checking

  • $100 minimum opening deposit
  • 2.50% cash back monthly reward
  • No minimum balance required
  • 1st order of checks free  or 25% off custom checks
  • Debit Card required
  • ATM Fees refunded
  • Internet Banking with Bill Pay
  • Imaged Statements / E-statements required
  • Paper Statement fee $5.00**

*$5.00 early closing fee if account is closed less than 30 days after opening. 

2.50% cash back on up to a total of $400 of debit card purchases.  To receive monthly rewards, you must make at least 12 debit card purchases and have at least one ACH credit, such as direct deposit, that will post and settle to the account during the monthly cycle. 

**No paper statement fee if enrolled in E-statements. 

Common Sense Checking

  • $100 minimum opening deposit
  • No Minimum Balance
  • 1st order of checks free or 25% off custom checks
  • Debit Card
  • ATM Fees refunded
  • Internet Banking with Bill Pay
  • Imaged Statements / E-statements Yes
  • Paper Statement fee $5.00**

*$5.00 early closing fee if account is closed less than 30 days after opening. 

**No paper statement fee if enrolled in E-statements.

Common Sense Plus

  • For those 50 and over
  • $100 minimum opening deposit
  • No Minimum Balance
  • 1st order of checks free or 25% off custom checks
  • Debit Card
  • ATM Fees refunded
  • Internet Banking with Bill Pay
  • Imaged Statements / E-statements Yes
  • Variable interest on Daily Collected Balance of $1,000+

*$5.00 early closing fee if account is closed less than 30 days after opening.

Relationship Interest

  • $1000 minimum opening deposit
  • No Minimum Balance
  • 1st order of checks free  or 25% off custom checks
  • Debit Card
  • ATM Fees Refunded
  • Internet Banking with Bill Pay
  • Imaged Statements / E-statements Yes
  • $5.00 Paper Statement Fee**
  • Interest based on the following daily collected Balance
    Tiers:
    $0.00 – $4,999.99
    $5,000.00 – $19,999.99
    $20,000.00 – $49,999.99
    $50,000.00 & over

*$5.00 early closing fee if account is closed less than 30 days after opening. 

**No paper statement fee if enrolled in E-statements.