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We Recommend This Account: Free Kasasa Cash

  • Earn up to $9.90 every month in iTunes®, Google Play™ or Amazon.com® downloads*
  • ATM fee refunds nationwide up to $10 monthly (up to $4.99 per transaction)*
  • No monthly service fee
  • No minimum balance to earn rewards

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$100.00 minimum to open account. *APY = Annual Percentage Yield.  APY's accurate as of July 1, 2017, rates may change at any time. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during monthly qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle.  ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction.  ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our facilities.  ATM-processed transactions do not count towards qualifying check card transactions.  (2) balances up to $15,000 receive APY of 3.01% and balances over $15,000 earn 0.15% APY on a portion of the balances over $15,000, resulting in 3.01% - 0.48% APY depending upon balance. If qualifications are not met, all balances earn 0.10% APY.  Qualifying transactions must post to and settle account during monthly qualification cycle.    Transactions may take one or more banking days from transactions date was made to post and settle the account.  "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.  Accounts are available to Missouri, Arkansas and Illinois residents and for personal use only.  Effective July 2017. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

We Recommend This Account: Free Kasasa Cash Back

  • 4% cash back on debit card purchases*
  • ATM fee refunds nationwide up to $10 monthly (up to $4.99 per transaction)*
  • No monthly service fee
  • No minimum balance to earn rewards

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$100.00 minimum to open account. When qualifications are met, you will receive 4% cash back on check card purchases up to $150 in total check card purchases during the monthly qualification cycle or maximum total cash back of $6 per monthly qualification cycle.  The cash back rewards will be credited to your account on the last day of your statement cycle.  Domestic ATM fees incurred during monthly qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle.  ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction.  ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our facilities.  ATM-processed transactions do not count towards qualifying check card transactions.  Transactions may take one or more banking days from transactions date was made to post and settle the account.  "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.  Domestic ATM fees incurred during qualification cycle will be reimbursed up to $10 if qualifications are met within monthly qualification cycle.  Accounts are available to Missouri, Arkansas and Illinois residents only.  Effective July 2017. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

We Recommend This Account: Free Kasasa Tunes

  • Earn up to $9.90 every month in iTunes®, Google Play™ or Amazon.com® downloads*
  • ATM fee refunds nationwide up to $10 monthly (up to $4.99 per transaction)*
  • No monthly service fee
  • No minimum balance to earn rewards

Do you currently have an account with Southern Bank?

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$100.00 minimum to open account. When qualifications are met, you will be refunded up to $9.90 for iTunes, Amazon, or Google Play purchases that post to and settle account during the first 60 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $9.90 in refunds of iTunes, Amazon, or Google Play purchases if qualifications are met during previous monthly qualifications cycle. Purchases must be made with check card associated with your Kasasa Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Domestic ATM fees incurred during monthly qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our facilities. ATM processed transactions do not count towards qualifying check card transactions. Transactions may take one or more banking days from transactions date was made to post and settle the account. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com, Inc. and Google, Inc. [is / are] not participants in or sponsors of this program. Limit of (1) one Kasasa account per social security number. Accounts are available to Missouri, Arkansas and Illinois residents and for personal use only. Effective July 2017. Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A

We Recommend This Account: Premium 50

  • A free checking account for customers age 50 and over
  • No monthly service fee
  • Earn 1.01% APY* on balances up to $10,000
  • One free box of standard checks at account opening

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*1.01% Annual Percentage Yield (APY) paid on balances up to $10,000. Balances over $10,000 earn 0.15% APY. Premium 50 rates effective 09-01-2016 and are subject to change. Minimum to open account is $100. Available to personal accounts only.

We Recommend This Account: Premium Free

  • Simple, straightforward checking option
  • No monthly service fee
  • No minimum balance requirements
  • Free account management tools to track your activity

We Recommend This Account: Money Market Platinum

  • Competitive, tiered rates, higher than regular savings
  • Enjoy flexibility with enhanced access to funds including direct check writing
  • Make deposits at any time or set up direct deposit
  • $1,000 minimum deposit to open

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We Recommend This Account: Money Market Passbook

  • Transactions logged through a passbook
  • Competitive, tiered rates, higher than regular savings
  • Deposits and withdrawals must be made in person  
  • $10,000 minimum deposit to open

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We Recommend This Account: Statement Savings

  • Simplified saving solution for your personal goals or a rainy day
  • Competitive interest on balances of all sizes
  • Avoid the $2 monthly service fee by maintaining a $100 minimum daily balance and a $300 minimum average daily balance
  • 6 free withdrawals per month; $1 per withdrawal in excess thereafter

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We Recommend This Account: Certificates of Deposit (CDs)

  • Fixed rates above standard savings
  • A wide range of terms
  • Open a certificate for as little as $1,000
  • Establish a guaranteed form of savings

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