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.
Includes:
- Electronic Deposit Switch Kit
- Online & 1Mobile Banking
- Instant Issue Debit Cards
- ATM Fee Refunds, up to $25 per statement cycle2
- Credit Score Monitoring3
- Discounted Access to Financial Health Services
The Details
- $10 minimum opening deposit
- $8 monthly service charge fee
- Maintain a minimum daily balance of $100 or direct deposit or be under 24 years of age to waive fee
- $3 paper statement fee
- Enroll in e-statements to waive fee
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.
Includes:
- Electronic Deposit Switch Kit
- Online & 1Mobile Banking
- Instant Issue Debit Cards
- ATM Fee Refunds, up to $25 per statement cycle2
- Credit Score Monitoring3
- Discounted Access to Financial Health Service
- Cellphone Protection4,5 & Event Ticket Protection
- Buyer's Protection & Extended Warranty3,4
- Travel/Roadside Assistance
- $100,000 Travel Accidental Death Coverage
- Debit Card Rewards (Cash Back)
- First Order of Wallet Checks
The Details
- $100 minimum opening deposit
- $10 monthly service charge fee
- Maintain a minimum daily balance of $250 to waive fee
- $3 paper statement fee
- Enroll in e-statements to waive fee
- To qualify, during each monthly statement cycle, you must have at least 12 debit card transactions of $5 or more post and settle, have at least one direct deposit or automatic payment (ACH) post and settle and be enrolled in and agree to receive e-statements
Southern reserve interest checking
Interest-bearing checking designed for those who want more value from the balances they maintain every day.
Includes:
- Electronic Deposit Switch Kit
- Online & 1Mobile Banking
- Instant Issue Debit Cards
- ATM Fee Refunds, up to $25 per statement cycle2
- Credit Score Monitoring3
- Discounted Access to Financial Health Service
- Earns Interest
- First Order of Wallet Checks
The Details
- $100 minimum opening deposit
- $12 monthly service charge fee
- Maintain a minimum daily balance of $500 to waive fee
- $3 paper statement fee
- Enroll in e-statements to waive fee
- To qualify, during each monthly statement cycle, you must have at least 12 debit card transactions of $5 or more post and settle, have at least one direct deposit or automatic payment (ACH) post and settle AND Be enrolled in and agree to receive e-statements
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.
Includes:
- Electronic Deposit Switch Kit
- Online & 1Mobile Banking
- Instant Issue Debit Cards
- ATM Fee Refunds, up to $25 per statement cycle2
- Credit Score Monitoring3
- Discounted Access to Financial Health Service
- Earns Interest
- Discounted Access to Safety Deposit Boxes
- 6 Orders per year of Wallet Checks
The Details
- $100 minimum opening deposit
- No monthly service charge fee
- To qualify, customer must be 55 years of age or older at the time of account opening or a "public servant" and have at least one direct deposit or automatic payment (ACH) post and settle
Personal checking accounts comparison chart
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Details
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Southern Everyday Checking | Southern Rewards Cash Back Checking | Southern Reserve Interest Checking |
Southern Legacy Checking
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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 cycle1
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Credit Score Monitoring2
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Discounted Access to Financial Health Services
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Cell phone protection3,4 & Event Ticket Protection
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| Buyer’s Protection & Extended Warranty3,4 |
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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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First Order On Us | First Order On Us |
Limited to 6 Orders Per Year
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| Minimum Opening Deposit |
$10
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$100
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$100 |
$100
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| Monthly Service Charge Fee |
$8
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$10
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$12
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$0
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| 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
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N/A |
| Paper Statement Fee | $3 | $3 | $3 | N/A |
| Action Needed to Waive Fee | Enroll in e-Statements | Enroll in e-Statements | Enroll in e-Statements | N/A |
Have questions about which account is right for you? Our team is here to help guide you through your options.
1 3rd party message and data rates may apply
2We will refund up to $25 per monthly statement cycle for ATM surcharges imposed by third parties.
3Click here to see terms and conditions for Credit Score Monitoring
4Cell phone protection, and buyer's protection and extended warranty are subject to additional terms and conditions.
5Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
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.