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It is never too early to teach the value of saving for something important.


Children under 18 earn competitive interest on every dollar deposited and only have to maintain a low $25 minimum balance to avoid the $2 monthly service fee.  Most importantly, valuable money management skills learned will benefit them throughout their entire life.

  • Available to children and students under the age of 18*
  • Competitive interest on entire balance
  • Avoid the $2 monthly service fee by maintaining a $25 minimum average daily balance
  • 6 free withdrawals per month; $1 per withdrawal in excess thereafter
  • Helps develop strong saving habits from an early age
  • Free online banking
  • Free eStatements
  • Free mobile banking with mobile deposit
  • $25 minimum deposit to open

*Parent, grandparent, or legal guardian must jointly be on the account and must have an account relationship with Southern Bank.

Ready for a new account?

Provide a few basic details to start the simple process.