Keeps Spending + Keeps Savings includes a spending & savings account. Save every time you spend. With each Mastercard® debit card purchase, your transaction is rounded up to the nearest dollar - and the difference is automatically deposited into your savings account.
Keep the change.
Here's what you can can expect:
Spending Account + Savings Account
With each debit card purchase from your Keeps Spending Account, your transaction is rounded up to the nearest dollar. The rounded up portion is deposited into your Keeps Savings Account, allowing you to save automatically.
Cell Phone Protection¹ ²
Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S and abroad. Maximum of two claims per year. Covers up to four phones on a cellular telephone bill paid through your Keeps Spending account.
(Cellular telephone bill must be paid using eligible account.)
IDProtect® Identity Theft Monitoring¹ ² ³
Identity Monitoring³ - monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan, and if your scan reflects a high-risk score, you will be notified.
Credit File Monitoring,¹ ² ³ Credit Report and Score¹ ²
Credit File Monitoring³ - Daily credit file monitoring and automated alerts of key changes to your single bureau credit reports. (registration/activation required)
Credit Report and Score - Request an updated single-bureau credit report every 180 days or upon opening a resolution case. Each new report includes an updated single-bureau credit score. Credit Score is a Vantage Score 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness.
Debit and Credit Card Registration
Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen.
Identity Theft Expense Reimbursement Coverage¹ ²
Identity Theft Expense Reimbursement Coverage - Up to $10,000 Identity Theft Expense Reimbursement to cover expenses associated with restoring your identity should you become the victim of identity fraud. Potential expenses include: reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records.
Comprehensive Identity Theft Resolution Services¹ ²
Comprehensive Identity Theft Resolution Services - if your identity is stolen, an IDProtect® fraud resolution specialist will help you every step of the way until your identity is restored. This specialist is dedicated to you and will be there to answer any questions you may have.
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Every Keeps Spending Account comes with these EXTRA features:
A $6.00 monthly service fee applies, but it can be easily avoided or reduced by:
- Enrolling in electronic statements will reduce the monthly service fee by $3.00.
- Using your Southern Bank Mastercard® debit card 15 times per month will reduce your fee by $3.00.
- Completing both of the above or maintaining a minimum daily balance of $5,000 will eliminate the $6.00 service fee in full.
A $3.00 monthly service fee applies but can be eliminated by:
- Enrolling to receive electronic statements.
- Having at least one round up deposit transfer from Keeps Spending per statement cycle.
- No more than 3 withdrawals per month.
$25.00 Minimum deposit to open.
1 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. 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.
2 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.
3 Credit file monitoring may take several days to begin following activation.
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.