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Personal Savings Accounts

Prepare for life's big moments with a savings account

Save for what matters most to you with a savings account designed to reward your efforts. All Southern Bank savings accounts include:

  • Image statements for savings and special occasion savings accounts
  • Unlimited telephone banking access*
  • Unlimited online banking access*
  • Unlimited mobile banking access*
  • $3 Monthly Paper Statement Fee can be avoided with eStatement enrollment

*All Savings and Money Market Accounts are allowed no more than 6 withdrawals/transfers per month if the transactions are automatic or telephone transfers, checks, debit card, or online banking. Fee charged over 6 transactions per month.

Regular Savings
Regular Savings accounts pay competitive interest rates on a quarterly basis with no service charges.

  • $100 to open
  • $100 minimum balance to earn interest
  • $5 fee for each withdrawal over 6 per month

Money Market

Reap the benefits of the money you’ve saved in our Money Market account featuring:

  • Higher interest than regular savings, paid monthly
  • Unlimited in-person & ATM withdrawals.
  • Limited to 6 withdrawals per month via telephone transfers, checks, debit card, or online banking.
  • $10 monthly service charge can be avoided with $2,500 daily balance

Special Occasion Savings
  • Save for big expenses like Christmas, vacations, a wedding, or any special event with this account.
  • With a high quarterly interest rate, yield a return with no service fees.
  • There is no minimum opening balance or minimum balance required to maintain this account.
  • Charges apply for more than 6 monthly withdrawals or transfers via telephone, checks, debit card, online banking, or payments to third parties.
  • Receive quarterly statements to track your progress.

Certificates of Deposit
Saving long term? Explore our CD account:
  • Competitive interest rates
  • A variety of maturities
  • Penalties for early withdrawal may apply


Your bank in the palm of your hand

  • Check your balance, view transactions, and transfer funds
  • Deposit checks remotely at no charge
  • Enrollment is fast and simple