Southern Bank & Trust

Online Banking

Savings / CD / IRA

Southern Bank & Trust offers several options to assist you in reaching your savings goal.  Whether you’re opening your first savings account or adding to a long term savings plan, Southern Bank & Trust has an account to best suit your needs.

Southern Savings Account

  • $100 minimum to open
  • Interest paid on daily collected balances of $100 or more
  • Three (3) free withdrawals per quarter
  • $2 fee for each transaction over three (3)
  • Quarterly statements are provided
  • Interest is compounded quarterly, credited quarterly and paid on collected balance

Southern Student Savings Account

  • For customers 18 years of age and under
  • $25 minimum to open
  • Three (3) free withdrawals per quarter
  • $2 fee for each transaction over three (3)
  • Interest is compounded quarterly, credited quarterly and paid on collected balance

Southern Certificate of Deposit Account

  • $500 minimum to open
  • Terms from three (3) months to sixty (60) months
  • Automatic certificate renewal
  • Earn competitive market rates of interest
  • Interest can be paid monthly, quarterly, semi-annually or at maturity
  • Penalty for early withdrawal may apply

Southern Individual Retirement Account

  • $500 minimum to open
  • Terms from three (3) months to sixty (60) months
  • Automatic certificate renewal
  • Interest reinvested in the IRA
  • Standard IRA rules apply
  • Traditional and Roth IRAs available
  • Penalty for early withdrawal may apply