You must be enrolled in online banking to log in. If you recently enrolled, please note it may take up to two business days to process your request. Your enrollment will be verified by a member of our team and you will be notified when you are able to access online banking. If you have not received access to online banking, please contact us at 855-452-7272

1. If you have forgotten your Access ID, please call our Resource Center at 855-452-7272 to retrieve it.
2. If you have forgotten your Passcode, click Forgot Passcode to reset it.
3. Make sure your browser is up-to-date or your mobile device and app are updated.

Call our Resource Center at 855-452-7272

1. Log in to your online banking profile
2. Click the arrow beside your name
3. Select Contact Information

If you do not utilize online or mobile banking please visit your nearest branch to update your information.

All Southern Bank Mobile Deposits made before 4 PM CST are processed and credited that evening and generally available on the next business day under Southern Bank’s Funds Availability Policy. Items deposited after 4 PM on Friday or throughout the weekend will be processed the next business day, with availability of funds on the business day following when the deposit is processed. If your item was one of the following it could not be deposited using mobile deposit:

• Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
• Checks containing an alteration on the front of the check or item, or which you know or suspect are fraudulent, or otherwise not authorized by the owner of the account on which the check is drawn.
• Checks payable jointly, unless deposited into an account in the name of all payees.
• Checks previously converted to a substitute check, as defined in Reg. CC.
• Checks drawn on a financial institution located outside the United States.
• Checks that are remotely created checks, as defined in Reg. CC.
• Checks not payable in United States currency.
• Checks dated more than 6 months prior to the date of deposit.
• Checks or items prohibited by the bank's current procedures relating to the services or which are otherwise not acceptable under the terms of your account.
• Checks with any endorsement on the back other than that specified in this agreement.
• Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
• Checks that have previously been deposited or negotiated in any way via any method at Southern Bank or any other financial institution.
• Foreign checks
• Savings Bonds
• Returned or re-deposited checks
• Rebate Checks
• Money Orders

If your item was over your deposit limit it may not be deposited using mobile deposit. Contact us at 855-452-7272 or visit your local branch to discuss mobile deposit limits.

To begin enrolling in online banking you will need your account number.
You can enroll in online banking from either the mobile app or www.bankwithsouthern.com:

1. Click Enroll
2. Agree to the Terms and Conditions
3. Enter your information in the Online Internet Banking Enrollment Form and click continue.*
   *Note: The physical address you enter must match the one we have on file.
4. Create an Access ID and Passcode and select Security Questions
5. Click Submit

Your enrollment will be verified by a member of our team and you will be notified when you are able to access online banking. Verification is typically completed within one business day. If you have not received access to online banking, please contact us at 855-452-7272.

Log in to online banking to view transactions on your account.

Resetting your passcode can be completed from the online banking platform or mobile app.

To reset your passcode from the mobile app:

1. Log in
2. Click More
3. Select Change Passcode

If you have forgotten your passcode, select Forgot Passcode. Follow the prompts to reset your passcode.

To reset your passcode from the online banking platform:

1. Log in to mobile banking
2. Click the arrow beside your name and select Change Passcode

If you have forgotten your passcode, select Forgot Passcode. Follow the prompts to reset your passcode.

1. Log in to Online Banking (desktop or laptop).
2. Select "Services & Settings" from the task bar.
3. Select "View Statements" from the drop down.
4. Select "Opt in for all accounts" or select the account you wish to receive online statements for.
5. Read and accept the Electronic Document Disclosures.

1. Log in to your online banking profile
2. Hover over Accounts and select the account you wish to view
3. From the quick links menu on the right side, click Statements

How to request Bill Pay for your account:

Log in to Online Banking (desktop or laptop)

1. Click on the Bills & Payment tab at the top of the page.
2. Under Preferences, select Modify account access. This will take you to the accounts page where you will see a list of your accounts.
3. Under Actions, next to the account that you wish to add Bill Pay, click the I want to drop down arrow and select Edit.
4. On the account access information page, the last item is called Available Services. Check the radio button next to Basic with Bill Pay.
5. Select 'Click here to request bill pay service'

Our internet banking team will approve your request within 2 business days.

View complete instructions to set up alerts here.

Transfer Money via Online Banking

1. Log in to your online banking profile
2. Hover over the Move Money tab and select Schedule Single Transfer or Schedule Multiple Transfers
3. Select the accounts you wish to transfer from and to, enter a description, amount, frequency, period, and scheduled date
4. Click Transfer

Transfer Money via Mobile App

1. Log in to the online banking app
2. Click Move Money on the main page
3. Select the accounts you wish to transfer from and to, select date and amount
4. Click Continue

The cut-off time for internal transfers is 7:00 p.m. CDT; 4:00 p.m. CDT for external transfers

1. Hover over the Accounts tab.
2. Select Connect an Account.
3. Choose to connect another Southern Bank Account, an account at another financial institution, or and external transfer account.

Transfer Money via Online Banking

1. Endorse the back of the check with:
1. Your signature
2. "For Mobile Deposit Only"
3. The last 4 digits of the account where you wish to deposit the funds
2. Place the check on a flat surface with good lighting.
3. Using the Front and Back buttons, take photos of both sides of the check.
4. Enter the check amount.
5. Select the account where you want the funds deposited.
6. Enter the email address where you want the receipt sent.
7. Click Continue.
8. Review your images, amount and account info then click Approve.

You'll receive an immediate email notification confirming that we've received your deposit and another when we've accepted it for processing.

Enroll in Digital Banking

Enroll in Digital Banking with Southern Bank using the link above. Digital Banking provides access to Card Center and our suite of digital services.

Learn More

To request adding an account to your online banking, please complete the following steps from your online banking portal.

From the Welcome drop down at the top of your screen, choose All Services & Settings.

Under Preferences, Online Accounts, choose Add account.

Enter the account number(s) you wish to add, as well as the account type. Choosing a nickname and requesting bill pay services are optional.

Click on Add Account(s)

A request will be sent to our team, and we will add the accounts to the your online banking portal. Requests are generally completed within 1-2 business days.

*Some requests, such as adding a business account, may require additional documentation.