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Towny Rewards



As a Southern Bank customer, you can receive 10% or more cash back from participating locally-owned businesses.

Currently available only in the Southwest Missouri market, for the Springfield metro area.

Download the new Towny Rewards app and start finding great deals on shopping and dining all over 417 Land - you might even find a new favorite place!

We love Towny, and you will too!


  • Get 10% or more cash back on debit card purchases* from Towny businesses.
  • Discover great deals and places you never knew existed.
  • Let the Towny app do the work, including tracking your rewards.
  • Forget about punch cards and points - just collect cash back!
  • Deposit rewards directly into your Southern Bank account.
  • Boost local businesses - they’re at the heart of keeping our community vibrant.

Enrolling is as Easy as 1-2-3:

  1. Download the Towny Rewards app from iTunes and Google Play stores.
  2. Register your email with Towny to create an account.
  3. Link your Southern Bank debit card to the app.

That’s it, you’re all set up to earn 10% or more cash back*

How To Earn Cash Back Rewards:

  1. Earn a 10% or more cash back reward when you shop or dine at a participating business.
  2. Unlock your cash back when you return to shop or dine at that business, within timeframe specified in the app.
  3. Keep coming back for cash back. Deposit your cash rewards into your Southern Bank account.*

*When you link your Southern Bank debit card to the Towny Rewards app, and use that card to make a purchase at a participating Towny business, you will earn 10% of that purchase in Towny cash back rewards when you make a subsequent purchase at that same merchant, within a timeframe specified in the Towny app. Cash back rewards cannot exceed the value of this subsequent purchase, which resets the eligibility timeframe on the balance of any remaining cashback rewards. Merchant transactions may take several business days to process. Cash back rewards are aggregated for each participating merchant and are made available to you for deposit into your checking account via the Towny app each time you have earned more than $10 in cash back rewards. Participating merchants fund all cash back rewards and all disputes, merchandise returns, purchase cancellations and/ or fraudulent transactions are handled according to each individual’s merchant’s policies. Returns may result in reduction of rewards. Redemption credits are applied to the account associated with the debit card utilized in the purchase transactions within 10 days of merchant redemption. Merchant participation may vary by market area. Cash back rewards are variable and may change at any time upon proper notice being sent to your mobile app or displayed on the program’s website. Enrollment, limitations, availability, redemption timeframes, terms, conditions and other restrictions apply. Program details can be found at or by contacting a Southern Bank service representative. Message or data rates may apply. iTunes is a registered trademark of Apple,Inc. Google Play is a registered trademark of Google, Inc. Apple Inc., and Google, Inc. are not participants in or sponsors of this program.Towny is a trademark of Roll Forward LLC, registered in the U.S.A. Roll Forward, LLC. is an independent contractor to Southern Bank. Member FDIC.