NEW Personal Checking Accounts

A Better Checking Experience

Building a better banking experience begins with offering checking accounts that combine trusted relationships with modern financial solutions. We offer thoughtfully designed choices to support your needs today and planning for tomorrow, whether your priority is simplicity, earning rewards, added value for higher balances, or relationship‑focused service.

All Southern Bank of Tennessee personal checking accounts include mobile deposit, digital banking tools, bill pay, and up to $25 in ATM fee refunds per statement cycle—providing a clear, convenient way to manage your finances wherever life takes you.

 

 

SOUTHERN EVERYDAY CHECKING

Everyday checking designed with intention and focused on the essentials that matter most.

SOUTHERN REWARDS CASH BACK

A well-rounded checking account that combines everyday cash-back rewards with added protection and support built into your banking experience.

SOUTHERN RESERVE INTEREST CHECKING

Interest-bearing checking designed for those who want more value from the balances they maintain every day. 

SOUTHERN LEGACY CHECKING

Checking designed for clients age 55 and older who value simplicity, thoughtful service, and a banking experience built on long-standing relationships.
Designed for those seeking a practical, straightforward checking account that supports their everyday banking needs. 
Designed for individuals who want their everyday checking to offer rewards, added protection, and support beyond daily transactions.  
Designed for clients who maintain higher balances and want their checking account to deliver added value over time.  
Designed for those age 55 and older, as well as public servants, who value a dependable checking experience supported by personal service. To be eligible**, customer must be 55 years of age or older at the time of account opening OR a "Public Servant" 




































 
 
Details
 Southern Everyday Checking  Southern Rewards Cash Back Checking Southern Reserve Interest Checking
Southern Legacy Checking
Electronic Deposit Switch Kit
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Online & mobile banking equipped with high value features such as mobile wallet, Zelle, bill pay,
e-statements & mobile deposits
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Instant issue debit cards
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ATM fee refunds,
up to $25 per statement cycle³
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Free Credit Score Monitoring⁴
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Discounted Access to Financial Health Services
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Cell phone protection ¹⋅² & Event Ticket Protection

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Buyer’s Protection & Extended Warranty ¹⋅²

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Travel/Roadside assistance 

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$100,000 Travel Accidental Death Coverage

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Debit Card Rewards (Cash Back) 

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Earns Interest

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Discounted Access to Safety Deposit Boxes


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Wallet Checks Included

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Limited to 6 Orders Per Year
Minimum Opening Deposit
$10
$100
 $100
$100
Monthly Service Charge Fee
$8
$10
$12
$0
Action Needed to Waive Fee Maintain a minimum daily balance of $100 or direct deposit or under 24 years of age Maintain a minimum daily balance of $250
Maintain a minimum daily balance of $500
 N/A
Paper Statement Fee $3 $3 $3 N/A
Action Needed to Waive Fee Enroll in eStatements Enroll in eStatements Enroll in eStatements N/A

Have questions about which account is right for you? Our team is here to help guide you through your options.

Connect with Us Locations & Hours

 

 

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.

⁴Click here to see terms and conditions for Free Credit Score Monitoring

HOME EQUITY LINE OF CREDIT

Take advantage of a 6% 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)