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In order to get started, select an account that works for you.

Southern Reserve Interest Checking

Designed for clients who maintain higher balances and want their checking account to deliver added value over time.

Earn interest on your daily balance* in a way designed to deliver ongoing value for higher balances.
Monitor your credit with My Credit Manager™, offering access to your credit report and additional tools without impacting your credit score.
Gain access to INSIGHTS®, providing a clear, comprehensive view of your finances to support budgeting and long‑term goals.
Use any ATM and receive up to $25 in ATM fee refunds per statement cycle.
Southern Bank website

Southern Reserve High Yield Savings

A secure savings option designed to deliver stronger returns over time.

Offers a high‑yield approach to saving while keeping your funds accessible and secure.
Southern Bank website

Southern Everyday Checking

Designed for those seeking a practical, straightforward checking account that supports their everyday banking needs.

Open your account with a minimum deposit of $10.
Use any ATM and receive up to $25 in ATM fee refunds per statement cycle.
Maintain a $100 balance, enroll in direct deposit, and choose paperless statements to enjoy fee‑free checking.
Southern Bank website

Southern Everyday Money Market

A flexible money market account designed to help you manage cash while earning competitive returns.

Offers tiered interest rates that reward higher balances while keeping your funds accessible and in your control.
Southern Bank website

Southern Reserve Money Market

An interest‑focused money market designed to deliver enhanced returns for higher balances.

Offers premium, tiered rates that reward larger balances while maintaining flexibility and control.
Southern Bank website