Personal Checking Accounts
Accounts That Fit Your Lifestyle
Make your finances work for you.
We provide different checking account options to help you reach your financial goals.
Free ATMs for Debit Cards
You accept the fee. We'll cover the charge.
Instant-Issue Debit Cards
Ready to swipe when you are.
Mobile App Access
Manage your account anytime, anywhere.
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Southern FIRST
No Monthly Maintenance Fees
Fees
- No minimum daily balance required to avoid service fee
- Opt-in to paper statements for $5 per month
Minimum Opening Balance
$100
Earns Interest?
No
Perks
Complimentary check package at account opening
Open an Account -
ClientFIRST®
Earns Interest
Fees
- No service fee if daily balance is equal to or over $5,000
- $15 service fee per statement if daily balance is less than $5,000
- Opt-in to paper statements for $5 per month
Minimum Opening Balance
$5,000
Earns Interest?
Yes, with $5,000+ daily balance
Perks
No fee for 3”x5” safety deposit box for 12 months, subject to availability
Open an Account -
Southern Legacy
Age 55 and Up
Fees
None
Minimum Opening Balance
$100
Earns Interest?
No
Perks
Free box of custom wallet checks each year
Open an Account -
We’ll find the right account for you.
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Enter their name when you sign up.
FDIC insured up to applicable limits.
Clients must be of legal age to open an account.
Note About the USA Patriot Act and Identity Verification
The USA PATRIOT ACT has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It required financial institutions to obtain more information from an individual or legal entity to help establish identity.
Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more forms of identification.
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