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Personal Checking Accounts

Checking accounts that are anything but basic


There’s a Southern Rewards account for every unique lifestyle. With a variety of features and perks, you can choose the account that best fits your needs.

All Southern Bank personal checking accounts include free mobile deposit, online banking tools, bill pay, foreign ATM reimbursement fees (up to $25 per statement cycle) and more. Plus, with our free mobile app, you can bank from anywhere.

Our checking accounts are powered by BaZing - an app that gives you access to perks you might not expect from your bank including Cell Phone Protection, ID Theft Aid, Roadside Assistance and more. 

Explore our checking accounts and decide which one is best for you.

Details Basic Checking Southern Rewards Checking
Southern Rewards Plus Checking
Southern Rewards Premium Checking
Free mobile deposits, use any ATM³, instant issue debit card, & e-statements

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Foreign ATM fees reimbursed (up to $25 per statement cycle) 


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Cell phone protection ¹⋅²

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ID Theft Aid  ¹⋅²



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1B Credit monitoring, free credit report and score, and fraud resolution 





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Buyer’s Protection & Extended Warranty  ¹⋅²


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Roadside assistance 




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$10,000 travel accidental death coverage


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Health savings card - 




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Our best rate of interest on your checking account



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Free wallet checks - Limited to 6 orders per year



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Monthly Fee
$7
$6
$8
$10
Action Needed to Waive Fee
Maintain a minimum daily balance of $100, or a direct deposit
Maintain a minimum daily balance of $750
Amount Needed to Open
$100
$100 $750
$500
See Additional Terms Southern Rewards Checking Southern Rewards Plus

Have questions about which account may be the right one for your unique financial needs? Speak with a member of our team. We’re happy to guide you in the right direction!

Contact Us to Open an Account

 ¹ Cell phone protection, personal identity 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.

³ATM usage plan is $25 in reimbursed ATM fees per statement cycle.

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BaZing

Shop local, save local

Our checking accounts are powered by BaZing, an app that gives you perks on everyday purchases and discounts at your favorite local retailers and restaurants. It's simple to download and start redeeming offers!