¹Keeps Spending: $25 minimum deposit to open. $6.00 per statement cycle will be charged. This fee can be reduced or eliminated if one or more of the following criteria are met: a) enrolling in online statements will reduce the monthly service charge by $3.00; b) Using your Southern Bank MasterCard Debit Card at least 15 times per statement cycle will reduce the monthly service charge by $3.00; c) Maintain a minimum daily balance of $5,000 or greater will eliminate the monthly service charge; d) Complete both A. and B. criteria listed above each month will entirely eliminate the monthly service charge.

¹Keeps Saving: Round-up feature activated automatically. This account is charged $3.00 per monthly statement cycle if the following conditions are not met: a) enrolling in online statements; b) Must have at least one automatic round-up deposit transfer from Keeps Spending per month; c) No more than 3 withdrawals per month. Current interest rate available upon request and subject to change daily.

¹ ID Protect® & Cell Phone Protection: 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.

Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. 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.

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.

²Kasasa Cash APY = Annual Percentage Yield. APY's accurate as of January 20, 2021, rates may change at any time. Balances up to $15,000 receive APY of 2.01% and balances over $15,000 earn 0.05% APY on the portion of the balances over $15,000, resulting in 2.01% - 0.05% APY depending upon balance. If qualifications are not met, all balances earn 0.05% APY. $100.00 minimum to open account.

Domestic ATM fees incurred during the monthly qualification cycle will be reimbursed up to $10 and credited to the account on the last day of the monthly statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our facilities. ATM-processed transactions do not count towards qualifying check card transactions. $1.00 ATM Transaction fee is excluded from ATM refunds. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle the account. “Monthly Qualification Cycle” means a period beginning the first day of the month and ending the last day of the month; which is the same date period as your statement cycle. Accounts are available to Missouri, Arkansas and Illinois residents and for personal use only.

³Southern Elite APY = Annual Percentage Yield. APY’s accurate as of January 20, 2021, rates may change at any time. 1.01% Annual Percentage Yield (APY) paid on balances up to $10,000. Balances over $10,000 earn 0.10% APY. Minimum to open an account is $100. Available to personal accounts only.