Find the Right Checking Account for Your Needs

We believe that each of our customers deserves solutions that work for them. That’s why we offer a variety of personal checking accounts, so you can find the perfect option to meet your needs. 

Our Personal Checking Accounts

The Southern Bank offers three personal checking account options for customers in South Carolina and Georgia — Essential, Interest, and VIP Checking.

Feature	Essential Checking Apply Now	Interest Checking Apply Now	VIP Checking Apply Now
Minimum Opening Deposit	$50	$50	$50
Monthly Maintenance Fee	$4 (waived with $500 minimum daily balance)	$7.50 (waived with $1,500 minimum daily balance)	$15 (waived with $2,500 minimum daily balance)
Interest	None	Competitive rate, compounded and credited monthly Variable interest rate (may change at any time)	Tiered rates, compounded and credited monthly
Online Banking	Free	Free	Free
Mobile Banking with Mobile Deposit	Free	Free	Free
Text Banking	Free	Free	Free
Debit Card	Free	Free	Free
Telephone Banking	Free	Free	Free
Check Images with Monthly Statement	Free (fronts of debits)	Free (fronts of debits)	Free (fronts of debits)
Additional Perks	–	–	Free Southern Bank Standard Wallet Checks 50% discount on any size Safe Deposit Box

The Benefits of a Southern Bank Everyday Checking Account

Whether you’re looking for free checking in SC or you need to open a personal checking account in GA, we’ve got you covered. When you open a checking account with The Southern Bank, you’ll enjoy a range of benefits:

• Flexible Options: We offer checking accounts with essential services and options with interest earnings and premium benefits — choose the fit that’s right for you.
• Convenience at Your Fingertips: Manage your accounts anytime, anywhere with our suite of digital banking tools.
• Trusted Security: Enjoy peace of mind with FDIC insurance and robust security features.

Personalized Service: Our team is always happy to assist with your financial needs.

Open a Checking Account

Ready to get started? To open a personal checking account with The Southern Bank, fill out an online application or visit a local branch. Account holders must be at least 18 years old and reside in Georgia, South Carolina, or North Carolina. When you apply, you’ll need to provide your:

• Social Security Number
• U.S. Driver’s License, U.S. State ID, or U.S. Passport
• Opening Deposit

If you have any questions about our everyday checking accounts or other Southern Bank services, don’t hesitate to reach out — we’re always glad to help!