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Keeps Spending + Saving:

$25 minimum deposit is required to open account. APYs indicated are accurate as of 07/1/2020. Rates may change at any time.
The following monthly service charges will apply to the Keeps Spending Account:
A service charge of $6.00 per monthly statement cycle will be charged. This charge can be reduced or eliminated if one or more of the following criteria are met: a) Accepting your monthly statement electronically via online banking each month will reduce the monthly service charge by $3.00. b) Using your Southern Bank MasterCard Debit Card at least 15 times per statement cycle will reduce the monthly service charge by $3.00. c) Maintain a minimum daily balance of $5,000 or greater will eliminate the monthly service charge. d) Completing both A. and B. criteria listed above each month will eliminate the service charge for that monthly cycle.
The following monthly service charges will apply to the Keeps Savings Account:
A service charge of $3.00 per monthly statement cycle will be charged. This charge can be eliminated if the following conditions are met: a) Accepting your monthly statement electronically via online banking each month b) Have at least one Chump Change (rounded up portion of debit card transaction) deposit transfer from Keeps Spending per month c) Have no more than 3 withdrawals per month.
Variable Rate Information for Keeps Savings Account:
When qualifications are met, balances up to $10,000 will receive an APY of 0.50% and balances over $10,000 will earn 0.25% APY on the portion of the balance over $10,000. If qualifications are not met, all balances will earn 0.05% APY. Qualifications to earn the higher annual percentage yield disclosed include: Maintain a minimum average daily balance of at least $0.01; Accept your monthly statement electronically via online banking each month; Have at least one Chump Change (rounded up portion of debit card transaction) deposit transfer from Keeps Spending per month; And Have no more than 3 withdrawals per month post to the account.
*Cell Phone Protection and ID Protect: 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.
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. 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.

Kasasa Cash:

$100.00 minimum to open account. *APY = Annual Percentage Yield.  APY's accurate as of April 1, 2020, 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. $1 ATM Transaction fee is excluded from ATM refunds. (2) balances up to $15,000 receive APY of 2.01% and balances over $15,000 earn 0.05% APY on a portion of the balances over $15,000, resulting in 2.01% - 0.05% APY depending upon balance. If qualifications are not met, all balances earn 0.05% 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 the first day of the month and ending the last day of the month; which is the same date period as your statement cycle.  Accounts are available to Missouri, Arkansas and Illinois residents and for personal use only.  Effective April 1, 2020. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Southern Elite (Personal):

*1.01% Annual Percentage Yield (APY) paid on balances up to $10,000. Balances over $10,000 earn 0.10% APY. Southern Elite rates effective April 1, 2020 and are subject to change. Minimum to open account is $100. Available to personal accounts only.