Customer Support

Answers to common issues.

If you’re looking for a how-to-do-everything resource at Southern Bank - you’re in the right place. Do what you need to do when it’s convenient for you — without having to visit a branch. But, if you ever need anything, we’re always here to help.

General Questions

How do I place a stop payment on a check?
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To place a stop payment on an item, call our Customer resource center at 855-452-7272 or log in to your online banking profile. Select the account from which the check was written. From the quick links menu on the right, select Stop Check Payment .

How do I order checks?
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To order checks for the first time: Visit your local branch and speak with a Personal Banker or call our Resource Center at 855-452-7272

To reorder checks: Visit your local branch and speak with a Personal Banker, call our Resource Center at 855-452-7272, or click here to reorder checks online.

How do I get a cashier’s check or money order?
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Please visit your local branch.

How do I initiate a wire transfer?
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To initiate a wire transfer please visit a Southern Bank branch.

If you plan to initiate several wire transfers and do not wish to come to the branch multiple times, you can complete an authorization form. This form must be completed before the wire request and a signature is required.

If you are a business customer, you can send your own wires through your online banking platform using our Cash Management Services. To request information about Cash Management Services or to get signed up, please complete this form and a Business Banking Specialist will contact you.

How do I get a safe deposit box?
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Visit a Southern Bank branch. Most branches have safe deposit boxes, with the exception of the following:

  • Poplar Bluff – Oak Grove
  • Anna
  • Searcy
  • Jonesboro – South Main
  • Springfield - South National
How do I find the branch nearest me?
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Visit our Locations Page

How do I set up Southern Messenger?
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You should receive messages from Southern Messenger when you open an account with us, or if you have an existing account, as long as you have provided us with a valid mobile phone number. If you are not receiving messages from Southern Messenger, please contact a Personal Banker at your local branch or call us at 855-452-7272

How do I opt out of Southern Messenger?
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When you receive a message from Southern Messenger (XXX-XX), respond with “Stop” to opt out.

How do I set up direct deposit?
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If your place of employment offers direct deposit, complete this form and give to your employer or deposit provider

How do I set up voice banking?
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After downloading the Amazon Alexa app, you’ll be able to enable the Southern Bank skill to link your account. Linking your account enables you to ask Alexa specific questions about your account, including your account balances.

To link your account:

  1. Sign into the Alexa app using your Amazon credentials
  2. Navigate to Southern Bank’s Alexa Skill page
  3. Click Enable
  4. Navigate to settings
  5. Click Link Account
  6. Enter your mobile banking credentials and MFA (multi-factor authentication) prompts.
  7. Accept the Terms and Conditions
  8. Create a spoken passcode (4-digit, numeric). This spoken passcode will be required to access account balances.

This particular list of questions does not require account linking:

  • • What is the routing number?
  • • What is the customer support phone number?
  • • What are the customer service hours?
  • • What if I suspect fraud?
  • • What is the bank mailing address?
  • • Where can I locate my full account number?
  • • How do I order checks?
  • • What is a person to person payment?
  • • What is an external transfer?
  • • What is an external transfer fee?
  • • What is a person to person limit?
  • • What is the mobile check deposit amount limit?
  • • How many mobile check deposits can I do each day?
  • • When will my funds be available?
  • • How is a bill pay payment sent?
  • • Why can’t I cancel a transfer?
  • • How do I cancel a bill pay payment?
  • • Why can’t I cancel a person to person payment?
  • • What does the error “can’t read check” mean?
  • • What is an external account?
  • • What are the fees to use Alexa?
  • • How secure is Alexa?
  • • What is the cutoff time for transfers?
  • • When is the cutoff time for loan transfers?
  • • What is the bill pay ‘send on’ date?
  • • What is the bill pay ‘delivered by’ date?
  • • What is an e bill?
  • • What is an available balance?
  • • What is a current balance?
What are Southern Bank's fees?
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Click here to view the fee schedule.

What is Southern Bank's supported browser policy?
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Supported Browser Policy

Last Updated: Q4 2019 (October)

We will announce by the end of each calendar quarter any new updates to the supported browser policy. First Data supports the two most recent released versions of the desktop browsers listed in the table below. First Data is committed to ensuring these browsers successfully meet functional and all minimum design requirements. Browsers that are not mentioned in the table are considered unsupported. Such browsers may be used, but are not certified for use. The user may experience features that do not function properly. Beta versions of browsers are not recommended for use.

Online Banking - Desktop Version

Supported:

  • Mozilla Firefox 69 and newer
  • Considered to offer an optimal Online Banking Experience
  • MS Internet Explorer
  • Should not be used in Compatibility Mode
  • MS Edge
  • Google Chrome 78 and newer
  • Apple Safari 11 and newer

Mobile Application Support

Apple

  • iOS 10.3+
  • iPhone 5 and above

Android®

  • Android® 4.3+
  • iPhone 5 and above

Mobile Web/Browser App

  • iOS 7.1+
  • iOS 7.1+
  • BB OS 6+
  • Android 4.2+
  • Windows Phone 8.0+

Important Notes

Transport Layer Security (TLS) and Encryption – Must support a minimum of TLS 1.1 and 128-bit encryption (preferably TLS 1.2 and 256-bit encryption).

JavaScript – Must be enabled for Online Banking to function properly. Certain functionality will be unavailable without JavaScript enabled.

Cookies – Must be set at a minimum to allow 3rd party cookies for the Online Banking interface to properly function.

Screen Resolution – A minimum screen resolution of 1024 by 768 pixels is suggested to view the site correctly. For PFM, smaller resolutions may prevent view of all of the features or navigation within the tool.

Pop-Up Windows – Must be allowed in the browser for full Online Banking functionality, including session time out notifications.

Adobe Flash 11.1 or higher – Required for Flash version of PFM. Note: HTML version of PFM does not require Flash

Bill Payment providers (FDC partners) – Browser requirements for single sign-on bill payment pages may vary from the above. These are posted on the First Data Online Banking Support Site.

3rd Party Vendors or SSOs (Single-Sign On) – Any institution-specific 3rd party vendors (SSOs) may have additional browser requirements. First Data does not test browser functionality requirements for these vendors. Institutions should notify their users of any specific requirements for 3rd party products.

In order to ensure the highest level of security for your financial institution and your end users, as well as to ensure your applications meet widely accepted industry safety standards, we are no longer supporting any Transport Security Layer (TLS) prior to version 1.2 in the mobile applications. This means that when trying to access the mobile app, phones running operating on TLS 1.1 or lower will see “Downloading Updates” and then be told the data network is unavailable. If a user calls in and is receiving this error, they can call their mobile provider to confirm their TLS. Since TLS 1.0 was released in 1999 and 1.1 in 2006, this should be a very small amount of users. Please let us know if you have any questions.

Digital Banking

I can’t log in to online or mobile banking.
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You must be enrolled in online banking to log in. If you recently enrolled, please note it may take up to two business days to process your request. Your enrollment will be verified by a member of our team and you will be notified when you are able to access online banking. If you have not received access to online banking, please contact us at 855-452-7272


  1. If you have forgotten your Access ID, please call our Resource Center at 855-452-7272 to retrieve it.
  2. If you have forgotten your Passcode, click Forgot Passcode to reset it.
  3. Make sure your browser is up-to-date or your mobile device and app are updated.
I can’t remember the answers to my security questions.
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Call our Resource Center at 855-452-7272

I can’t log in to CardValet.
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  1. If you have forgotten your username, please call our Resource Center at 855-452-7272 to retrieve it.
  2. If you have forgotten your Passcode, try to reset it.
  3. Make sure your phone is running the most up-to-date software
  4. Make sure your CardValet app is running the latest version
  5. If all else fails, uninstall and reinstall the app on your device.
I need to change my address or contact information.
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  1. Log in to your online banking profile
  2. Click the arrow beside your name
  3. Select Change Contact Information

If you do not utilize online or mobile banking please visit your nearest branch to update your information.

Deposits from Mobile Deposit aren’t showing up
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All Southern Bank Mobile Deposits made before 4 PM CST are processed and credited that evening and generally available on the next business day under Southern Bank’s Funds Availability Policy. Items deposited after 4 PM on Friday or throughout the weekend will be processed the next business day, with availability of funds on the business day following when the deposit is processed. If your item was one of the following it could not be deposited using mobile deposit:


  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
  • Checks containing an alteration on the front of the check or item, or which you know or suspect are fraudulent, or otherwise not authorized by the owner of the account on which the check is drawn.
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Reg. CC.
  • Checks drawn on a financial institution located outside the United States.
  • Checks that are remotely created checks, as defined in Reg. CC.
  • Checks not payable in United States currency.
  • Checks dated more than 6 months prior to the date of deposit.
  • Checks or items prohibited by the bank's current procedures relating to the services or which are otherwise not acceptable under the terms of your account.
  • Checks with any endorsement on the back other than that specified in this agreement.
  • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
  • Checks that have previously been deposited or negotiated in any way via any method at Southern Bank or any other financial institution.
  • Foreign checks
  • Savings Bonds
  • Returned or re-deposited checks
  • Rebate Checks
  • Money Orders

If your item was over your deposit limit it may not be deposited using mobile deposit. Contact us at 855-452-7272 or visit your local branch to discuss mobile deposit limits.

Sending money with Pass the Buck didn’t work.
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Verify that the recipient email/phone number is correct and ensure that your debit card number and expiration date were entered correctly. Please contact our Resource Center at 855-452-7272 if your transaction was not completed.

How do I enroll in online banking?
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To enroll in online banking from either the mobile app or www.bankwithsouthern.com:

  1. Click Enroll
  2. Agree to the Terms and Conditions
  3. Enter your information in the Online Internet Banking Enrollment Form and click continue
  4. Create an Access ID and Passcode and select Security Questions
  5. Click Submit

Your enrollment will be verified by a member of our team and you will be notified when you are able to access online banking. Verification is typically completed within one business day. If you have not received access to online banking, please contact us at 855-452-7272.

How do I view my transactions?
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Log in to online banking to view transactions on your account.

How do I reset my online banking passcode?
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Resetting your passcode can be completed from the online banking platform or mobile app.

To reset your passcode from the mobile app:

  1. Log in
  2. Click More
  3. Select Change Passcode

If you have forgotten your passcode, select Forgot Passcode. Follow the prompts to reset your passcode.

To reset your passcode from the online banking platform:

  1. Log in to mobile banking
  2. Click the arrow beside your name and select Change Passcode

If you have forgotten your passcode, select Forgot Passcode. Follow the prompts to reset your passcode.

How do I enroll in online statements?
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  1. Login to Online Banking (desktop or laptop)
  2. At the top of the page, next to your name, click the down arrow, then select All Services and Settings.
  3. Click on View Statements
  4. Select the online account you wish to receive e-statement delivery and choose Opt-In for This Account, or choose Opt In for All Accounts.
How do I view old statements?
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  1. Log in to your online banking profile
  2. Hover over Accounts and select the account you wish to view
  3. From the quick links menu on the right side, click Statements
How do I enroll in online bill pay?
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How to request Bill Pay for your account:

Log in to Online Banking (desktop or laptop)

  1. At the top of the page, next to your name, click the down arrow, then select All Services and Settings.
  2. Under Preferences, select Modify account access. This will take you to the accounts page where you will see a list of your accounts.
  3. Under Actions, next to the account that you wish to add Bill Pay, click the I want to drop down arrow and select Edit.
  4. On the account access information page, the last item is called Available Services. Check the radio button next to Basic with Bill Pay.
  5. Click Submit

Our internet banking team will approve your request within 2 business days.

How do I set up Account Activity, Messaging, and/or Security Alerts for my accounts?
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  1. Log in to online banking
  2. Click alerts at the top right corner of the page
  3. Select Settings
  4. Set up alerts for the any of the following:

Account Activity Alerts

  • With my balance
  • If account is overdrawn
  • If balance is higher than
  • If balance is lower than
  • If a check # clears
  • For deposits more than
  • For transactions more than
  • When account statement is available

Messaging Alerts

  • Any new message is sent to my online inbox
  • A secure message is sent to my online inbox
  • A transaction-related message is sent to my online inbox
  • A new online service emrivilege has been granted or removed
  • A broadcast message is sent to my online inbox

Security Alerts

  • Login is successful
  • A security-related change is made
  • Online transfer is processed
  • New external transfer account request submitted
How do I transfer money?
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Transfer Money via Online Banking

  1. Log in to your online banking profile
  2. Hover over the Transfers tab and select Schedule Single Transfer or Schedule Multiple Transfers
  3. Select the accounts you wish to transfer from and to, enter a description, amount, frequency, period, and scheduled date
  4. Click Transfer

Transfer Money via Mobile App

  1. Log in to the online banking app
  2. Click Transfer on the main page
  3. Select the accounts you wish to transfer from and to, select date and amount
  4. Click Continue

The cut-off time for internal transfers is 6:00 p.m. CDT; 4:00 p.m. CDT for external transfers

How do I send money using Pass the Buck?
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Send Money via Mobile App with Pass the Buck

To send money:

  • Open the Mobile app home screen, click more at the bottom right
  • Select Pass the Buck from the list
  • Add recipients email address or mobile number
  • Add the amount you want to send (transfer amount)
  • Add in your debit card and expiration (can be saved for later use)
  • Accept the terms of service and click Send

To receive money:

  • Receive a text or email from sender
  • Click the included secure link (southernbank.payzur.com)
  • Add your first and last name, debit card #, expiration date

Accept the terms and click Deposit Payment

Things to know:

  • $1000 limit per day
  • 10 transaction limit per day
  • Pass the Buck is a free service
  • Instant funds if an eligible debit card is used
  • Up to 3 days if ACH account is used
How do I send money using Popmoney®?
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To send money:

  • Log in to your online banking profile
  • Click Bills and Payments tab
  • Select Popmoney
  • Enter the recipient’s information
  • Submit

To receive money:

If your financial institution offers Popmoney, you can log in to your account and direct the funds there.

  • You will receive an email from the sender.
  • In the email, click Deposit Payment
  • Choose to deposit to Bank Account or Debit Card
  • Enter your financial institution’s routing number and all other pertinent information
  • If you do not already have a Popmoney account, you will be required to sign up in order to finish depositing the funds.
How do I make a mobile deposit?
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Transfer Money via Online Banking

  1. Endorse the back of the check with:
    1. Your signature
    2. "For Mobile Deposit Only"
    3. The last 4 digits of the account where you wish to deposit the funds
  2. Place the check on a flat surface with good lighting.
  3. Using the Front and Back buttons, take photos of both sides of the check.
  4. Enter the check amount.
  5. Select the account where you want the funds deposited.
  6. Enter the email address where you want the receipt sent.
  7. Click Continue.
  8. Review your images, amount and account info then click Approve.

You'll receive an immediate email notification confirming that we've received your deposit and another when we've accepted it for processing.

How do I register for CardValet?
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  1. Download the free Card Valet app
  2. Open the app and select New User
  3. Enter Your Debit Card Information:
    1. Card Number
    2. Address
    3. Security Code
    4. Card Expiration
    5. For security purposes, the address entered must match the address on file at Southern Bank exactly.
  4. Verify Acceptance, Accept terms & conditions and Privacy Policy
  5. Create Your Account
    1. Create a username and password, and enter your email address
How do I use CardValet®?
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Download CardValet® Instructions

TURN CARDS OFF AND ON:

When your card is ON, transactions are allowed in accordance with your control settings. When the card is OFF, no purchases or withdrawals are approved. This control can be used to disable a lost or stolen card.

Select the Card On/Off toggle. Confirm changes.

Card status: Green = On; Red = Off

CONTROL PREFERENCES BY:

Location Options

  1. My Location: Toggle on (Green), if you want to make sure that all in-store transactions are denied if your mobile device and merchant location don’t match.
  2. My Regions: Toggle on (Green) and add a “Region” where your card can be used. You can define the region.
  3. International: Toggle on (Green) to deny in-store transactions outside the country. Add a country to allow in-store transactions when traveling.
  4. Merchant Type Options:

    Enable or Limit transactions by merchant type.

    First, enable Merchant Controls. Toggle on (Green). Once enabled you will see that all merchant type are allowed.

    Toggle off (grey) to prevent transactions at the merchant type(s) of your choice. Be sure to read the merchant type descriptions when making your selections.

    Spending Limits:

    Toggle on (green) Per Transaction and enter the dollar amount in the field that appears below.

    Transaction Types:

    Enable transaction controls toggle to on (green) and then disable (grey) each transaction type.

    ALERT PREFERENCES:

    By default the app will alert you to All Transactions on your account. If you only want to receive specific alerts you can control these by location, merchant types, transaction types, and spend limits. Select the All Transactions bubble and change to selected transactions and then set your preferences. Or turn off alerts completely by selecting none.

    RECENT TRANSACTIONS:

    View all recent transactions. Tag them and add memo notes.

    LINKED ACCOUNTS:

    Under linked Accounts you can see your available balance, set-up low balance alerts, view recent transactions, and see the linked cards.

    If you want to be alerted if your account balance gets to a certain amount set-up a low balance alert. Toggle on (Green) and enter the dollar amount you wish.

Debit or Credit Cards

I need to dispute a charge on my debit card.
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Please notify us if you believe there are incorrect charges on your account. We must be notified within 60 days of the statement date that shows the error. You can open a dispute by calling us at 855-452-7272.

A customer service representative will connect you with our Cardholder Services Department. If it is after business hours please follow the voice response options to be connected to Cardholder Services. Please note, only posted transactions can be disputed; pending charges are temporary and may change.

Please consider contacting the merchant prior to initiating a dispute. Merchants can typically answer your questions and resolve the dispute much faster than the bank. The merchant’s phone number may be located on your receipt or billing statement.

Before you open a dispute, please gather the necessary documentation. For example:


  • Receipt of purchase
  • Proof of return
  • Date and time you contacted the merchant
  • Name of the person you interacted with
  • Any other information that may help us resolve your dispute.

Our Cardholder Services team will research the transaction with the merchant and their financial institution. We will notify you in writing of the results of the investigation. We process disputes according to the billing error procedures that are governed by federal law.

My Southern Bank debit card was lost/stolen (or there are unauthorized charges on your card).
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If your debit card has been lost or stolen (or there are unauthorized charges on your card), please contact us immediately at 855-452-7272 One of our 24-hour service representative will be glad to help you. If you are using the CardValet app, turn your card off immediately to prevent unauthorized use of your card.

I need to change my PIN number.
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I need to make purchases for more than my daily limit allows.
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Please call our Resource Center at 855-452-7272 to discuss having your daily limit raised.

My debit card won’t work.
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Normal wear and tear may begin to affect your debit card’s functionality. To request a new debit card, visit your local branch. Most branches (exceptions: Bradford, Poplar Bluff – PP Highway, and Essex) are able to instantly issue a new debit card for you.

If you have received a brand-new debit card, make sure to activate it and then destroy your old card.

I’m travelling, and my card is being declined.
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Southern Bank automatically blocks all foreign transactions (both point-of-sale and ecommerce). If you are travelling to a foreign country or making an online purchase where payment is processed in a foreign country, please notify us at 855-452-7272.

We will be able to place a travel notification on your account to prevent your transactions being flagged as fraud and your card being declined.

In addition, if you use CardValet make sure you have not restricted your card via the card controls settings.

My debit card transactions are being declined.
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If you have not opted in for overdraft privilege, your transaction will be declined if you do not have sufficient funds in your account to cover the transaction.

Alternatively, the merchant may be experiencing issues with their card reader.

Southern Bank automatically blocks all foreign transactions (both point-of-sale and ecommerce). If you are travelling to a foreign country or making an online purchase where payment is processed in a foreign country, please notify us at 855-452-7272.

In addition, if you use CardValet make sure you have not restricted your card via the card control settings.

My Southern Bank Credit Card was lost/stolen.
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If you suspect unauthorized use of your credit card, or your credit card is lost or stolen, please notify us at
1-800-558-3424 (Consumer Credit Card) or 1-866-552-8855 (Business Credit Card) 24-hours a day.

How do I report a lost or stolen debit card?
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If your debit card has been lost or stolen, please call us so we may close/deactivate your card and issue a new card. Remove the lost or stolen card from your device. One of our 24-hour service representatives will be glad to help you. If you have your card loaded into our CardValet® app, you can turn your card off until you can reach us via phone.

How do I dispute a charge on my debit card?
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Please notify us if you believe there are incorrect charges on your account. We must be notified within 60 days of the statement date that shows the error. You can open a dispute by calling us at 855-452-7272. A customer service representative will connect you with our Cardholder Services Department. If it is after business hours please follow the voice response options to be connected to Cardholder Services. Please note, only posted transactions can be disputed; pending charges are temporary and may change.

Please consider contacting the merchant prior to initiating a dispute. Merchants can typically answer your questions and resolve the dispute much faster than the bank. The merchant’s phone number may be located on your receipt or billing statement.

Before you open a dispute, please gather the necessary documentation. For example:

  • Receipt of purchase
  • Proof of return
  • Date and time you contacted the merchant
  • Name of the person you interacted with
  • Any other information that may help us resolve your dispute.

Our Cardholder Services team will research the transaction with the merchant and their financial institution. We will notify you in writing of the results of the investigation. We process disputes according to the billing error procedures that are governed by federal law.

How do I request a new debit card?
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To request a new debit card, visit your local branch. Most branches (exceptions: Bradford, Poplar Bluff – PP Highway, and Essex) are able to instantly issue a new debit card for you.

How do I activate my new debit card?
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To activate your debit card call 1-800-992-3808

How do I change my debit card PIN?
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To change your debit card PIN number, you may visit any branch or call 1-800-992-3808

How do I check the status of my credit card application?
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Contact us at 855-452-7272 to check the status of your application or visit your local branch.

Can I view aspects of my credit card account online?
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Yes. Visit myaccountaccess.com to view your credit card account profile. See the Account Access Guide for details.

If you have not enrolled:

  1. Visit myaccountaccess.com
  2. Click the Enroll tab
  3. Enter your information and click Submit
How do I activate my new credit card?
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  1. Log in to your credit card account profile at myaccountaccess.com
  2. Click the Enroll tab
  3. Enter your information and click Submit
How do change my PIN?
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Accounts

I don’t know my account number.
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Call our Resource Center at 855-452-7272. Be prepared to verify your identity by providing your date of birth and/or social security number.

I need to change the name or add/remove a name from my account.
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Contact us via secure message through your online banking profile. Documentation may be required.

I need to place a stop payment on a check.
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To place a stop payment on an item, call our Customer resource center at 855-452-7272 or log in to your online banking profile. After logging in, select the account from which the check was written. From the quick links menu on the right, select Stop Check Payment.

There is a hold placed on my deposit. What does that mean?
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When you deposit a check, some or all of the check amount may not be part of your available balance for a period of time. This is done for the purpose of validating the check and collecting the funds from the issuer of the check.

I need to make a deposit, but the bank is closed.
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If you need to make a deposit outside of our hours of operation, you can:


  1. Make a deposit using mobile deposit.
  2. Make a deposit using an ITM from 7:00am – 7:00pm Monday through Friday and 7:00am – 3:00pm Saturday. ITMs are open most federal holidays, excluding Thanksgiving and Christmas Day. The following branches have ITMs:
  • Alton, Mo
  • Bald Knob, Ar
  • Batesville, Ar
  • Cape Girardeau, Mo -Kingshighway
  • Doniphan, Mo
  • Jonesboro, Ar -Nettleton
  • Kennett, Mo
  • Marshfield, Mo
  • Nixa, Mo
  • Poplar Bluff, Mo -Oak Grove Rd
  • Poplar Bluff, Mo -Vine St
  • Searcy, Ar
  • Springfield, Mo – National
  • Springfield, Mo - Republic Rd
  • Springfield, Mo – Sunshine
  • Thayer, Mo
  • Van Buren, Mo
  • West Plains, Mo
I don’t know how to use the ITM.
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When you pull up to one of our ITMs, you can choose to proceed in a normal ATM mode, or to interact with an interactive teller. Talking with an interactive teller is just like visiting with a personal banker inside the branch, except you are video chatting. Interactive Tellers can perform almost every function you could complete from inside the branch.

I lost my safe deposit box key.
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If your safe deposit box key has been lost, we will have to drill the box to gain access. This expense will be incurred by the customer.

How do I change my address or contact information?
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To change online banking contact information:

  1. Log in to online banking
  2. Click the dropdown arrow beside your name
  3. Select Change Contact Information
How do I add someone to my account?
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Contact your local branch to add someone to your account. Please have the social security number or driver’s license of the person you are adding.

How do I apply for a personal checking account?
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To compare checking account options and apply, click here

What do I need to open a personal account?
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To open a personal account, you will need the following items and information:

  • An opening deposit (amount varies upon account type)
  • Photo ID
  • Address
  • Phone
  • Email
  • Mother’s maiden name
  • SSN
  • Date of birth
  • Employer/occupation.
How do I apply for a business checking account?
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To compare business account options and apply, click here

Loans

My loan payment hasn’t processed.
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If you have made your loan payment and it has not processed, please contact your loan officer.

I received a late notice in the mail, but I’ve already made my payment.
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Call our Resource Center at 855-452-7272 to verify that we have received your payment. If so, you can disregard the notice. Making your loan payment via your online banking access may be easier and ensure your payment is received on time.

I want to buy a home, but I don’t know where to start.
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Check out Home Buyer Help for a step-by-step guide to the process. You can view mortgage options here.

How do I prequalify for a mortgage?
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Contact your local lender or fill out the pre-qualification form

Where do I mail personal loan and mortgage payments?
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Southern Bank
PO Box 520
Poplar Bluff, MO 63902

Business

I need a better way to manage my business’ cash flow.
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We offer a variety of Cash Management Solutions to streamline your operations. View our Cash Management suite or request more information by filling out this form.

I need to make deposits without having to come to the bank.
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Remote Deposit Capture allows you to make deposits from the comfort of your office, any time – day or night.Learn More

I need to be able to accept credit card payments from my customers.
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We can help with that. Click here to request more information.

I want to start a business, but I need financing.
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Provide a little more information here and one of our commercial lenders will be able to help you get started.

Customer resource center specialist

Need help now?

Our Customer resource centers are available to help everyday from 7am - 7pm CST.

Contact Us.

If you’ve been unable to resolve your issue using the information above – Please don’t hesitate to give us a call at (855) 452-7272 or fill out the secure form to submit a support request for non-urgent issues. Even though this form is secure, please do not enter account number(s), SSNs, or card/pin numbers. We will respond as soon as possible.

Important E-Mail Disclosure: If you need immediate attention please contact us via telephone 855-452-7272 as form submissions may not be reviewed by a bank representative immediately. Submissions of this form will not serve as a sufficient method for any requirement imposed on you to provide written notice, nor may it be used to place a stop payment on a check, cancel a bill payment, request account transfers, or report a lost or stolen banking codes and/or cards.

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