Website Terms of Use

Before using this web site please read these terms and conditions carefully. We require that all visitors to our site adhere to the following terms and conditions. If you do not agree to the terms and conditions below, you should not access this site, or any pages therein.

Website Content and Links to Other Websites

Southern Bank maintains this site to provide you with information about its products and services. We also provide links to our related companies, various merchants, and other financial service providers that may be of interest to you. The links to other merchants and financial service providers in our site are provided for your convenience and may assist you in locating other useful information on the Internet. These external, third party sites are not under the control of Southern Bank.

  • • Southern Bank does not endorse, approve, certify, or control external sites, nor does it guarantee the accuracy, completeness, or timeliness of the information contained on them. The products and services offered by these external third parties are not products of Southern Bank and are not insured by the FDIC.
  • • Securities (including mutual funds and annuities) offered through this site or external third parties are not Southern Bank deposits, are not FDIC insured, and are not obligations of or guaranteed by Southern Bank. Securities involve investment risks, including the possible loss of some or the entire principal amount invested.
  • • Insurance and annuity products offered through this site or external third parties are not deposits, obligations of, or guaranteed by Southern Bank and are not insured by the FDIC. There may be investment risks associated with some insurance products, including the possible loss of value. The purchase of insurance products is not a condition to any loan, product or service offered by Southern Bank, its affiliates, or nonaffiliated third party.


Any communication or material you transmit to us via the site or electronic mail will be considered confidential and may be used only by Southern Bank for the purposes described in our privacy statement. All information submitted to Southern Bank's site shall be considered and remain the property of Southern Bank. This information will only be used internally or as allowed by law.

Merchants and other third parties on the Portal may collect personal information when you visit their websites or when you purchase their products. You should review the privacy policies of these third parties prior to use of these websites and purchase of their products and services.

Use of Information and Materials

Any and all information, materials, product offerings, services, terms, and conditions are subject to change without notice.

Any dated information on this site is "As Of" its date only. We will use every reasonable effort to include accurate and up to date information on the site, but we make no warranties or representations as to the accuracy of the information. You may contact Southern Bank to verify the accuracy of information.

Not all products and services are available in all geographic areas. Southern Bank reserves the right to determine your eligibility for any product or service.

Trademark Notices

Southern Bank is a member of the FundsXpress Financial Network, Inc. SM and Financial Institution's Internet Banking and the Portal are products of FundsXpress Financial Network, Inc. SM. FundsXpress and the FundsXpress Financial NetworkSM are trademarks of FundsXpress Financial Network, Inc. Unauthorized reproduction in whole or part is prohibited.

Copyright Notices

Copyright in the pages, screens, text, sound recordings, and images appearing at this site is owned by Southern Bank unless otherwise indicated.

Limitation of Liability

Because of the possibility of human, mechanical, and computer related errors as well as other factors, Southern Bank is not responsible for any errors in or omissions from the information contained in or accessed through this website. All such information is provided "AS IS" to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property or fitness for any particular purpose.

Southern Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their computers and diskettes using a reliable virus detection product to detect and remove any viruses. Southern Bank will not be liable for any delay, difficulty in use, inaccuracy of information, malicious code, or other defect in this site, or for the incompatibility between this website and files in your browser or other site accessing program. Nor will Southern Bank be liable for any other problems you experience due to causes beyond our control.

Hyperlinks to other Internet resources are at your own risk. FundsXpress may only monitor hyperlinks to merchants and service providers within our portal for competitive advertisements and offensive content. The content, accuracy, opinions expressed, and other links provided by these resources are not investigated, monitored, or endorsed by Southern Bank or FundsXpress Financial Network, Inc.

No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and Southern Bank. Southern Bank will under no circumstances be liable to you and/or any third party for any lost profits or lost opportunity, or any indirect, special, consequential, incidental or punitive damages whatsoever, arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, even if Southern Bank has been advised of the possibility of such damages.

Governing Law

This agreement shall be governed by and construed in accordance with federal statutes and the laws of Missouri.