Keeps Account

Keep the change.

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.

Account Details

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.


Every Keeps Spending Account comes with these EXTRA features:

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Service Fee

Keeps Spending

A $6.00 monthly service fee applies, but it can be easily avoided or reduced by:

  • Enrolling in online 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.

Keeps Saving

A $3.00 monthly service fee applies but can be eliminated by:

  • Enrolling to receive online statements.
  • Having at least one round up deposit transfer from Keeps Spending per statement cycle.
  • No more than 3 withdrawals per month.


Minimum deposit to open is $25.00.

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 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 set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to “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. Some of the benefits with IDProtect require registration and activation.

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.

4 Enroll within online banking.