Southern Bank & Trust

Online Banking

General Banking Frequently Asked Questions

Q:  Are my deposits at Southern Bank & Trust FDIC insured?  

Q:  What are the bank’s hours of operation?  

Q:  How do I report a lost or stolen debit card?  

Q:  I plan to move my banking relationship to Southern Bank & Trust, how can this transition be made as simple as possible?  

Q:  My address and/or phone number has changed, how do I update this information on my accounts?  

Q:  How can I determine the available balance or cleared items on my account?

Q:  How do I obtain specific check images?  

Q:  How do I order checks?  

Q:  Do you have specific wiring instructions available?  

 

Q:  Are my deposits at Southern Bank & Trust FDIC insured?

A: Yes, Southern Bank & Trust is insured by the Federal Deposit Insurance Corporation (FDIC) and customers’ deposits are insured up to the maximum limits permitted by law.  To calculate how your own accounts are covered, the FDIC provides the Electronic Deposit Insurance Estimator, or EDIE.

To access EDIE, visit www.fdic.gov/EDIE.

For more information about FDIC insurance, visit www.fdic.gov.

Q:  What are the bank’s hours of operation?

A: To view the hours of operation for Southern Bank & Trust, click here.

Q:  How do I report a lost or stolen debit card?

A: To report a lost or stolen ATM/Debit Card during regular business hours, please call 706-754-0001.

To report a lost or stolen ATM/Debit Card after regular business hours, please call 800-500-1044.

Q:  I plan to move my banking relationship to Southern Bank & Trust, how can this transition be made as simple as possible?

A: We realize moving a relationship from one bank to another can be tedious, but our customer service representatives help to navigate through the process.  To ensure that all previous direct deposits and automatic payments are transferred, Southern Bank & Trust provides a switch kit to new customers while opening the new account.  If you would like to complete this packet before you visit the bank, click here to view and print the switch kit.

Q:  My address and/or phone number has changed, how do I update this information on my accounts?

A: To change the address and/or phone number on your account, visit Southern Bank & Trust to speak with a customer service representative.

Q:  How can I determine the available balance or cleared items on my account?

A:  Three options are available to determine the available balance or cleared items on my account:

  • Using Telephone Banking.  To access telephone banking, please call 706-754-SBAT (7228).
  • Using Online Banking.  To access Online Banking, please click here.
  • By speaking to a customer service representative, either in person or by calling 706-754-0001.

Q:  How do I obtain specific check images?

A: Check images can be retrieved through Online Banking, reviewing the appropriate monthly bank statement, or by speaking to a customer service representative.

Q:  How do I order checks?

A: For more information on the available check reordering methods, please click here.

Q:  Do you have specific wiring instructions available?

A: Yes. To send or receive a wire with Southern Bank & Trust, specific information will be necessary.  To view these instructions online, please click here.  These instructions are also available by contacting a customer service representative.