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Compare Account Benefits

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Keeps Spending
Southern Advantage3
Southern Basic
Southern Elite⁴
What makes this account right for me?

Spending account + saving account. Round-up on debit card swipes to save automatically.

An interest checking option

A straightforward checking option

Interest checking - exclusively available to 50 and over

Earning Interest

Only Keeps Saving1 earns interest - 1.00% Annual Percentage Yield on balances up to $10,000

2.01% Annual Percentage Yield

1.01% Annual Percentage Yield

One Free Box of Checks

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ID Protect2
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Cell Phone Protection2
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Minimum to open

$25

$500

$100

$100

Monthly Service Fees

$6

$5

$2

$2

How to eliminate the service fee

Enroll in online statements

AND

Use your debit card 15 times per statement cycle


OR

Maintain a minimum daily balance of $5,000

Enroll in online statements

OR

Maintain an average balance of $5,000

Enroll in online statements

OR

Maintain an average monthly balance of $2,500

Enroll in online statements

OR

Maintain an average monthly balance of $2,500

Earning Rewards

Only Keeps Savings1 earns interest - 1.00% Annual Percentage Yield on balances up to $10,000

2.01% Annual Percentage Yield

None

1.01% Annual Percentage Yield

Free Online Statements
(enrollment required)
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Online + Mobile Banking
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Mobile Deposit
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Mastercard® Debit Card
with Benefits
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Access to CardValet®
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Bill Pay
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Send Money
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Digital Wallet
Apple, Samsung, Google
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One free box of checks

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-

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ID Protect2
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-

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Cell Phone Protection2
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-

-

Minimum to Open

$25

$500

$100

$100

Monthly Service Fee

$6

$5

$2

$2

How to eliminate the service fee

Enroll in online statements

AND

Use your debit card 15 times per statement cycle


OR

Maintain a minimum daily balance of $5,000

Enroll in online statements

OR

Maintain an average balance of $5,000

Enroll in online statements

OR

Maintain an average monthly balance of $2,500

Enroll in online statements

OR

Maintain an average monthly balance of $2,500

1Keeps Saving: Round-up feature activated automatically. This account is charged $3.00 per monthly statement cycle if the following conditions are not met: a) enrolling in online statements; b) Must have at least one automatic round-up deposit transfer from Keeps Spending per month; c) No more than 3 withdrawals per month. Current interest rate available upon request and subject to change daily.

APY = Annual Percentage Yield. APY’s accurate as of June 16, 2021. Rates may change at any time. If qualifications are met each monthly qualification cycle, balances up to $10,000 earn 1.00% APY.

Balances over $10,000.01 earn 0.05% APY on the portion of the balance over $10,000.01.

2ID Protect® & Cell Phone Protection: Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication,registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank affiliate.

3Southern Advantage: APY = Annual Percentage Yield. APY’s accurate as of June 16, 2021. Rates may change at any time. If qualifications are met each monthly qualification cycle, balances up to $25,000 receive APY of 2.01% and balances over $25,000.01 earn 0.05% APY on a portion of the balances over $25,000.01, resulting in 2.01% - 0.05% APY depending upon balance.

Qualifications: Make at least 20 debit card puchases and have at least one recurring direct deposit, automatic payment (ACH), or auto debit.

If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date that the transaction was made to post and settle the account. “Monthly Qualification Cycle” means a period beginning the first day of the month and ending the last day of the month; which is the same date period as your statement cycle. Accounts are available to Missouri, Arkansas and Illinois residents and for personal use only. Effective June 16, 2021.

4Southern Elite: APY = Annual Percentage Yield. APY’s accurate as of January 20, 2021, rates may change at any time. 1.01% Annual Percentage Yield (APY) paid on balances up to $10,000. Balances over $10,000 earn 0.10% APY. Minimum to open an account is $100. Available to personal accounts only.

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