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Spend wisely. Save automatically.

Do you currently have an account with Southern Bank?

Account Benefits

  • Cellular Telephone Protection
  • Identity Theft Protection with credit file monitoring
  • Instant Issue Debit Mastercard with benefits1
  • Card Valet
  • Online Banking & billpay with Popmoney
  • Mobile Banking 
    • Mobile Deposit
    • Pass the Buck (P2P Payments)
    • SMS Text Banking
  • eStatements with images
  • Keeps Savings 2with Chump Change Round Up


Keeps Spending-Service Charge Detail

A $6.00 monthly service fee applies, but can be easily avoided or reduced by:

  • Accepting your monthly statement via online banking each month will reduce the monthly service fee by $3.00
  • Use your SB Debit Card 15 times per statement cycle will reduce your fee by $3.00
  • To eliminate the monthly service charge, complete both above or maintain a minimum daily balance of $5,000.


Keeps Savings-Service Charge and Earnings Detail

  • Accepting your monthly statement via online banking 
  • Must have at least one “Chump Change” deposit transfer from Keeps Spending per month
  • No more than 3 withdrawal a month


If criteria is met:
Service Charge                                          FREE
Split Earnings: 
Balances from $0.01 to $5,000                  0.75%             0.75% APY
Balances from $5,000.01 to $10,000         0.50%             0.50% APY
Balances $10,000.01 and over                  0.25%             0.25% APY

If criteria is not met:
Service Charge                                          $3.00 per month
Earnings on all balances                            0.10%             0.10% APY


Keeps account will include the following benefits:

IDProtect® identity theft monitoring and resolution services for you, and your joint account holders3:

  • Up to $10,000 Identity Theft Expense Reimbursement Coverage6 – for expenses associated with restoring your identity
  • Fully Managed Identity Theft Resolution Services - access to a dedicated fraud specialist assigned to manage your case until your identity is restored
  • Debit and Credit Card Registration (registration/activation required)
  • Credit File Monitoring4 – daily credit file monitoring and automated alerts of key changes to your single bureau credit report (registration/activation required)
  • Credit Report and Score5  access to a single bureau credit report and single bureau credit score (registration/activation required)
  • Identity Monitoring – monitoring of over 1,000 databases. (registration/activation required)
  • Online Identity Theft News Center and Valuable Phone and Web Resources (registration/activation required)


Cellular Telephone Protection– Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad.  $50 deductible applies.  Maximum of two claims per year.  Covers the first four phones on a cellular telephone bill paid through your checking account.  (Cellular telephone bill must be paid using eligible account.)


All of these benefits are yours with Keeps Spending! Some benefits do require no-fee registration and must be requested or activated.  



Registration and activation is easy!

Go to using Access Code provided at account opening and follow the simple step-by-step instructions to register and activate benefits, or

 Call 1-866-210-0361 for questions related to any of the benefits and services, or for assistance with registration and activation.

Once you are registered, accessing your benefits will be easy – online at or with the Club Checking mobile app! Mobile App instructions are available online at the Club Checkingwebsite!




Southern Bank Debit Mastercard comes with Mastercard benefits.  Visit

2 As an added bonus open a Keeps Savings account with Chump Change Round Up on all Debit Mastercard transactions.   For more information regarding this added bonus contact our Resource Center at 1-855-452-7272.

3Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. 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.  Some of the benefits with IDProtect require registration and activation.

4Credit file monitoring may take several days to begin following activation.

5Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness

6Special 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.  Guide to Benefit is enclosed.


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.

Do you currently have an account with Southern Bank?