Southern Checking

Southern Premium

Electronic Checking

Minimum to open

$50

$50

$50

Minimum daily balance
(to avoid monthly fee)

$100

$100
or 2 Direct Deposits

$50

Monthly maintenance fee
(if under minimum balance)

$10

$15

$15

Interest

None

None

Yes, tiered

Minimum daily balance to earn interest

N/A

N/A

$0.01

Interest type

N/A

N/A

Split tier calculations
$0.01-$25,000.00
$25,000.01 and above

Current Annual Percentage Yield

N/A

N/A

Variable Rate Amount

Electronic statements

Yes

Yes

Yes

Paper statements

No

Yes

No

Check discounts

1/2 off price of basic checks
when ordered by bank

4 free boxes of basic checks
per year when ordered by bank

N/A

The Southern Bank Company debit card

Yes

Yes

Yes

Online/Mobile Banking

Yes

Yes

Yes

Mobile Deposits

Yes

Yes

Yes

ATM Network Access

Yes

Yes

Yes