- ALL |
- CHECKING |
- SAVINGS |
- CDs |
- BUSINESS |
- LOANS/STATEMENTS
Checking Accounts
CITIZENS BANK & TRUST ACCOUNT:
SOUTHERN BANK ACCOUNT:
Student Checking
First Spending
50+ Interest Checking
Bank from Work
Economy with Interest
Elite Checking
Elite Checking Private Banking
Kawasaki Employee Checking
Low Minimum with Interest
No Minimum with Interest
NWMSU Employee Checking
VIP Checking
Interest Checking
ABC 2 Checking
Citizens Plus
Citizens Plus Gold
Personal eChecking
Family Club
FB1
Non Interest Checking
Plus Account
Totally eChecking
Trenton Business
Trenton Regular
Southern Basic Checking
Daily Repo TBill 91
Repurchase Account
Savings Accounts
CITIZENS BANK & TRUST ACCOUNT:
SOUTHERN BANK ACCOUNT:
Save Smart Holiday
Christmas Club
Dollar Dog Kids
Youth Savings
Student Savings (ages 17 and under)
First Savings
Student Savings (ages 18 and up)
Save Smart School
Save Smart Summer
Save Smart Tax Free
Special Savings
Statement Saving
Southern Savings
Health Savings
Health Savings Account
Charter Start Money Market
Citizens Money Market
Money Market Brokered
Performance Money Market
Public Funds Money Market
Money Market Platinum
CDs
CITIZENS CDS AND IRA CERTIFICATES
SOUTHERN BANK CD:
NEXT RENEWAL TERM
11 Month Certificate
12 Month Certificate
14 Day Certificate
15 Month Certificate
18 Month Certificate
24 Month Certificate
24 Month Variable Certificate
3 Month Certificate
36 Month Certificate
48 Month Certificate
5 Month Certificate
59 Month Certificate
6 Month Certificate
60 Month Certificate
7 Month Certificate
70 Month Certificate
96 Month Certificate
11 Month CD
12 Month CD
14 Day Variable
15 Month CD
18 Month CD
24 Month CD
24 Month Variable
3 Month CD
36 Month CD
48 Month CD
6 Month CD
60 Month CD
6 Month CD
60 Month CD
7 Month CD
60 Month CD
60 Month CD
12 Month
12 Month
3 Month
18 Month
18 Month
24 Month
24 Month
3 Month
36 Month
48 Month
6 Month
60 Month
6 Month
60 Month
6 Month
60 Month
60 Month
Business Accounts
IF YOUR CURRENT CITIZENS BANK BUSINESS ACCOUNT IS:
YOUR NEW SOUTHERN BANK ACCOUNT WILL BE:
Business Checking
Business Checking P/F
Business Non Interest Checking
FB1 Business
Plus Non Interest Public Funds
Public Fund Non Interest Checking
Small Business Checking
Totally eChecking Business
Trenton Non Interest
Small Business Free Checking
91 Day T Bill
BID Account
Business Checking with Interest
Business Edge Checking
Business Interest Checking
CBT Trust Accounts
ICS
IOLTA
Public Funds Now
Small Business Checking P/F
Sole Proprietor Now
Small Business Interest Checking
Commercial Checking
Commercial Treasury
Commercial Checking
Loans
Your interest rate, terms and conditions will remain the same. Beginning February 27, you can make payments by visiting any Southern Bank branch or mailing payments to: PO Box 520, Poplar Bluff, MO 63902. You will no longer use Citizens Bank & Trust payment coupons. You can expect to begin receiving Southern Bank loan statements as soon as March 18. Loan statements are generated 20 days before the next scheduled due date.
Statements
Shortly after February 27, you will receive a special paper statement for each of your former Citizens Bank & Trust accounts. Your special statement will cover the period from your last regular statement date through February 24, 2023, which may only be a portion of your normal statement period. You will receive a paper statement for this time period, regardless of if you are enrolled in online statements.
Your next statement will be issued by Southern Bank and will cover the period from February 27 to your new normal statement date. You will receive an easy-to-read statement for your Southern Bank account(s) each month (or quarter, if you have a savings account).
New Information
Your first Southern Bank statement could be received as early as February 28, depending on your account type. See below for statement drop dates.
For your convenience, any checks paid from your Southern Bank account will be clearly listed on your monthly statement or can be viewed and printed using Southern Bank online banking.

5th Day of Each Month
Southern Basic
15th Day of Each Month
Southern Elite
20th Day of Each Month
Interest Checking
Last Day of Each Month
Southern Advantage
Commercial Checking
Small Business Interest Checking
Small Business Free Checking
Money Market Silver
Health Savings Account
Last Day of Each Quarter
Southern Savings
Youth Savings
NOTE: Don’t forget to enroll in paperless statements inside Southern Bank’s online banking - it’s quick and easy. See our user guide for instructions.