{"id":1530,"date":"2016-04-01T04:38:09","date_gmt":"2016-04-01T04:38:09","guid":{"rendered":"http:\/\/.banksouthern.com\/?page_id=1530"},"modified":"2026-04-16T08:58:28","modified_gmt":"2026-04-16T13:58:28","slug":"politicas","status":"publish","type":"page","link":"https:\/\/banksouthern.com\/es\/policies\/","title":{"rendered":"Nuestras pol\u00edticas"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_pb_fullwidth_section et_section_regular et_block_section\">\n<section class=\"et_pb_fullwidth_header_0 et_pb_fullwidth_header et_pb_bg_layout_dark et_pb_text_align_left et_pb_module et_flex_module textshadow\"><div class=\"et_pb_fullwidth_header_container left\"><div class=\"header-content-container center\"><div class=\"header-content et_flex_module\"><h1 class=\"et_pb_module_header\">Important Information<\/h1><div class=\"et_pb_header_button_wrapper\"><\/div><\/div><\/div><\/div><div class=\"et_pb_fullwidth_header_overlay\"><\/div><div class=\"et_pb_fullwidth_header_scroll\"><\/div><\/section>\n<\/div>\n\n<div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section\" id=\"other\">\n<div class=\"et_pb_row_0 et_pb_row et_block_row\">\n<div class=\"et_pb_column_0 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><h2>Featured Safety Tip<\/h2>\n<\/div><\/div>\n\n<div class=\"et_pb_blog_0 et_pb_blog et_pb_bg_layout_light et_pb_posts et_pb_module\"><div class=\"et_pb_ajax_pagination_container\"><div class=\"et_pb_blog_posts et_flex_module\"><article class=\"et_pb_post et_pb_post_id_31312 clearfix et_pb_blog_item_0_0 post-31312 post type-post status-publish format-standard has-post-thumbnail hentry category-blog category-financial-fitness category-safety-tips tag-cybersecurity tag-financial-fitness tag-fraud\"><a href=\"https:\/\/banksouthern.com\/es\/october-is-financial-exploitation-awareness-month\/\" class=\"entry-featured-image-url\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/banksouthern.com\/wp-content\/uploads\/2024\/10\/October-is-Financial-Exploitation-Awareness-Month.png\" width=\"1080\" height=\"630\" alt=\"October is Financial Exploitation Awareness Month\" class=\"et_pb_post_main_image\" \/><span data-icon=\"\ue050\" class=\"et_overlay et_pb_inline_icon\"><\/span><\/a><h3 class=\"entry-title\"><a href=\"https:\/\/banksouthern.com\/es\/october-is-financial-exploitation-awareness-month\/\">October is Financial Exploitation Awareness Month<\/a><\/h3><p class=\"post-meta\"><span class=\"published\">Oct 4, 2024<\/span><\/p><div class=\"post-content\"><div class=\"post-content-inner\"><p>By Charlestien Harris Let me start by saying that when you work hard for your money and someone works just as hard to steal it, it\u2019s incredibly frustrating! Financial exploitation is commonly defined as the illegal or improper use of another person&#8217;s money or property&#8230;<\/p>\n<\/div><a href=\"https:\/\/banksouthern.com\/es\/october-is-financial-exploitation-awareness-month\/\" class=\"more-link\">read more&#8230;<\/a><\/div><\/article><\/div><\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_1 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><h2>Latest Alerts<\/h2>\n<\/div><\/div>\n\n<div class=\"et_pb_blog_1 et_pb_blog et_pb_bg_layout_light et_pb_posts et_pb_module\"><div class=\"et_pb_ajax_pagination_container\"><div class=\"et_pb_blog_posts et_flex_module\"><article class=\"et_pb_post et_pb_post_id_37515 clearfix et_pb_blog_item_1_0 post-37515 post type-post status-publish format-standard has-post-thumbnail hentry category-blog category-financial-fitness\"><a href=\"https:\/\/banksouthern.com\/es\/vacation-strategies-to-save-money-this-summer\/\" class=\"entry-featured-image-url\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/banksouthern.com\/wp-content\/uploads\/2026\/07\/Vacation-Strategies-to-Save-Money-This-Summer.webp\" width=\"1080\" height=\"630\" alt=\"Vacation Strategies to Save Money This Summer\" class=\"et_pb_post_main_image\" \/><span data-icon=\"\ue050\" class=\"et_overlay et_pb_inline_icon\"><\/span><\/a><h3 class=\"entry-title\"><a href=\"https:\/\/banksouthern.com\/es\/vacation-strategies-to-save-money-this-summer\/\">Vacation Strategies to Save Money This Summer<\/a><\/h3><p class=\"post-meta\"><span class=\"published\">Jul 10, 2026<\/span><\/p><div class=\"post-content\"><div class=\"post-content-inner\"><p>By Charlestien Harris, Retired Financial Coach at Southern Bancorp July is peak vacation season and a time when many families take their summer trips. Planning a vacation doesn&#8217;t have to be expensive if you take time to do your research. Here are some&#8230;<\/p>\n<\/div><a href=\"https:\/\/banksouthern.com\/es\/vacation-strategies-to-save-money-this-summer\/\" class=\"more-link\">read more&#8230;<\/a><\/div><\/article><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_2 et_pb_section et_pb_fullwidth_section et_section_regular et_block_section\">\n<section class=\"et_pb_fullwidth_header_1 et_pb_fullwidth_header et_pb_bg_layout_dark et_pb_text_align_left et_pb_module et_flex_module\"><div class=\"et_pb_fullwidth_header_container left\"><div class=\"header-content-container center\"><div class=\"header-content et_flex_module\"><h1 class=\"et_pb_module_header\">Important Information<\/h1><div class=\"et_pb_header_button_wrapper\"><\/div><\/div><\/div><\/div><div class=\"et_pb_fullwidth_header_overlay\"><\/div><div class=\"et_pb_fullwidth_header_scroll\"><\/div><\/section>\n<\/div>\n\n<div class=\"et_pb_section_3 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_1 et_pb_row et_block_row\">\n<div class=\"et_pb_column_2 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_toggle_0 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\"><h3 class=\"et_pb_toggle_title\">Frequently Asked Questions<\/h3><div class=\"et_pb_toggle_content clearfix\"><p>Go to the new <a href=\"\/frequently-asked-questions\/\">Frequently Asked Questions<\/a> page.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_toggle_1 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\" id=\"fraud\"><h3 class=\"et_pb_toggle_title\">Reporting Online and Email Fraud<\/h3><div class=\"et_pb_toggle_content clearfix\"><p><strong>Suspect you are a victim of online fraud?<\/strong><\/p>\n<ul>\n<li>To report a suspicious email that uses Southern Bancorp\u2019s name, <a href=\"https:\/\/banksouthern.com\/contact\/\">contact us<\/a> immediately.<\/li>\n<li>To learn more about online fraud and prevention, visit the <a href=\"http:\/\/www.ftc.gov\/bcp\/edu\/microsites\/idtheft\/\">Federal Trade Commission\u2019s ID Theft website<\/a> .<\/li>\n<li>To report fraudulent activity not associated with Online Banking, please call your local police department immediately to report the incident.<\/li>\n<\/ul>\n<p><strong>To report fraudulent activity within Online Banking:<\/strong><\/p>\n<ul>\n<li><a href=\"\/contact\">Contact us<\/a> immediately<\/li>\n<li>Visit your nearest Southern Bancorp location<\/li>\n<\/ul>\n<\/div><\/div>\n\n<div class=\"et_pb_toggle_2 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\"><h3 class=\"et_pb_toggle_title\">Avoiding Identity Theft<\/h3><div class=\"et_pb_toggle_content clearfix\"><p>Identity Theft is a growing area of concern in the digital age. We take your identity protection very seriously, but there are some steps required on your end as well. Check your accounts often for any unauthorized or fraudulent activity, and check your credit report at least annually. You are entitled to a free credit report; you can request that at <a href=\"http:\/\/AnnualCreditReport.com\">AnnualCreditReport.com<\/a>. If you notice any discrepancy or have any other questions, you can contact us or visit these government-sponsored websites:<\/p>\n<ul>\n<li><a href=\"http:\/\/ftc.gov\">FTC.gov<\/a><\/li>\n<li>Arkansas Attorney General ID Theft &#8211;\u00a0http:\/\/gotyourbackarkansas.org\/identity<\/li>\n<li>Mississippi Attorney General ID Theft \u2013 <a href=\"https:\/\/www.mid.ms.gov\/consumers\/identity-theft.aspx\"><strong>http:\/\/www.ago.state.ms.us\/victims\/identity-theft\/<br \/>\n<\/strong><\/a><\/li>\n<\/ul>\n<p>Be very careful when giving out personal or account information. For instance, if the bank contacts you, we will never ask for your full name, account number, or social security number; however, if you contact the bank, we may ask a few verification questions to ensure that we are talking to the correct person.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_toggle_3 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\"><h3 class=\"et_pb_toggle_title\">Safe Internet Banking<\/h3><div class=\"et_pb_toggle_content clearfix\"><p>In today\u2019s society, technology is being used to make life easier; unfortunately, this also leads to more chances for fraudsters to maliciously use your information.\u00a0 We have safeguards in place to protect your information, but there are steps you can take to minimize any risk:<\/p>\n<ol>\n<li>Never give out your username or password to anyone. This includes saving your login credentials to your browser or PC, as this often leads to hacking as well.<\/li>\n<li>Use a complex password.\u00a0 Currently, our online banking requires 8 characters with at least one number.\u00a0 We recommend using a password that has both upper and lower case letters, as well as numbers or symbols ( ! @ # $ etc.).<\/li>\n<li>Update your PC software and Anti-Virus\/Malware protection regularly.\u00a0 Many attacks come from exploits in your operating system, browser, or other programs on your computer\u2014by updating these regularly, you will minimize the risk of someone gaining unauthorized access to your information.\u00a0 If you do not have an anti-virus program on your computer, <a href=\"https:\/\/support.microsoft.com\/en-us\/help\/18900\/consumer-antivirus-software-providers-for-windows#AVtabs=win7\">Microsoft has compiled a list of reputable vendors here.<\/a><\/li>\n<\/ol>\n<h3><strong>Commercial Customers<\/strong><\/h3>\n<p>We recommend commercial (business) customers perform a periodic Risk Assessments to evaluate technology risks and mitigation controls.\u00a0 In the risk assessment, you should analyze virus and malware vulnerabilities, software update procedures, PC administrative access, employee education in regards to scams and phishing techniques, physical security of devices with sensitive information, and other technology risks.\u00a0 Mitigation controls could include, but are not limited to, anti-virus and anti-malware software, firewall protections, automatic updating of vulnerable software (including Operating System), employee education, and user access restrictions.\u00a0 If you need advice on safeguarding your systems, you can contact the bank and ask for the Information Security department.<\/p>\n<h3><strong>Cell\/Mobile Banking<\/strong><\/h3>\n<p>Mobile banking has become a part of everyday life for many people, offering convenience and functionality in the palm of your hand.\u00a0 Southern Bancorp mobile banking is secure, but it is important to \u00a0\u00a0protect your phone against viruses and malware by using appropriate anti-virus apps, and never installing apps from untrusted sources.\u00a0 In addition, avoid \u201cJailbreaking\u201d or \u201cRooting\u201d your phone, as this will allow rogue apps and malware easier access to your device.\u00a0 Finally, password protect your device (on boot up or unlock) to prevent unauthorized access.<\/p>\n<h3 style=\"text-align: left;\" align=\"center\"><strong>Calls, Emails, and Texts<\/strong><\/h3>\n<p>When the bank needs to contact you, we will call, mail, or send a secure message via online banking.\u00a0 If we need to call you, we will never ask for your account information.\u00a0 Additionally, we will never send unsecured emails or texts asking for account information.\u00a0 If you are contacted by an entity claiming to be Southern Bancorp or our affiliate and asked to verify private information, be very cautious.\u00a0 \u201cPhishing\u201d is a common tactic used by fraudsters that involves impersonating a bank employee to try to gain information from a customer for fraudulent use.\u00a0 If in doubt, do not give any information and call the bank directly, either your local branch or our customer service number: 1-800-789-3428<\/p>\n<p>Currently, we have an opt-in service that allows us to text customers their End of Day balance and daily transactions.\u00a0 Any other texts received can be considered fraudulent and should be deleted immediately.<\/p>\n<h3 style=\"text-align: left;\" align=\"center\"><strong>Social media<\/strong><\/h3>\n<p>Social media is a growing part of our lives, and is something to consider regarding banking security.\u00a0 Any information submitted to the site, including private messages, should be considered public information.\u00a0 Be careful not to post pictures that may contain personal information, such as personalized checks.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_toggle_4 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\"><h3 class=\"et_pb_toggle_title\">Safe Debit Card Practices<\/h3><div class=\"et_pb_toggle_content clearfix\"><p>Debit cards are a great way to pay for your purchases online and in stores. Here are some ways you can safeguard against debit card fraud:<\/p>\n<ol>\n<li><strong>Do not keep your card and your PIN together<\/strong>; if possible, memorize your PIN and do not write it down.<\/li>\n<li><strong>Keep your card within your sight at all times.<\/strong> It is very easy for a fraudster to swipe your card in his or her own card reader, gaining all the information contained in the magnetic strip.<\/li>\n<li><strong>When shopping online, use a credit card if possible.<\/strong> Your debit card is linked directly to your checking account\u2014if it is compromised, your funds are directly affected. Disputes are much easier with a credit card, and your money has not been stolen.<\/li>\n<li><strong>Be aware of your surroundings when at the ATM. <\/strong>Look for out of place attachments, such as a hidden camera, or skimming device<strong>. <\/strong> <strong>Skimming devices<\/strong> may look out of place, or be loosely connected to the functional part of the payment machine. These devices are fairly sophisticated, and will allow your transaction to process, but save your information for the skimmer to pick up later. If you are in doubt, try moving the card reader\u2014if there is a skimmer attached, it may come off with very little force. For more information, visit this US Secret Service document: Skimming Fraud. Also check to see if there could be a <strong>tiny camera hidden<\/strong> anywhere nearby to record the PIN number you enter. If you believe there could be, place some object between you and the suspected camera location as you enter your PIN.<\/li>\n<li><strong>Southern Bancorp continuously monitors its debit cards for possible fraud, so we may call you to verify whether you conducted certain transactions.<\/strong> If we do contact you, we will not ask for any personal or confidential information; we will only ask if you attempted the transactions that appeared to be fraudulent.<\/li>\n<\/ol>\n<\/div><\/div>\n\n<div class=\"et_pb_toggle_5 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\"><h3 class=\"et_pb_toggle_title\">Understanding FDIC Deposit Insurance Coverage<\/h3><div class=\"et_pb_toggle_content clearfix\"><div class=\"intrologo\"><\/div>\n<p>Since <span class=\"bank_name\">Southern\u00a0Bancorp\u00a0Bank<\/span> is an FDIC-insured institution, it means that your qualifying deposits are insured by the federal government. And when your money is FDIC insured, you can&#8217;t lose a penny, no matter what. But as with any insurance, there are coverage limits and requirements that must be met.<\/p>\n<p>To help you determine your insurance coverage, you can use an easy-to-use online FDIC tool called EDIE The Estimator. A few minutes with EDIE can give you endless peace of mind. You\u2019ll know if the money you have in your <span class=\"bank_name\">Southern\u00a0Bancorp\u00a0Bank<\/span> deposit accounts is fully protected or if any accounts exceed coverage limits.<\/p>\n<p>Using EDIE is easy. Just click the button below to get started. To save time, have a list of your deposit accounts and the amount you have in each. If you have joint accounts or trust accounts that name beneficiaries, have those names, too. To check business accounts, you will need the business name and Employer Identification Number (EIN).<\/p>\n<p><a href=\"https:\/\/www.fdic.gov\/edie\/calculator.html\">Use EDIE Now<\/a><\/p>\n<p>To ensure your privacy, <span class=\"bank_name\">Southern\u00a0Bancorp\u00a0Bank<\/span> does not allow EDIE access to any personal or account information, nor will EDIE store any of the information you provide. No information is sent over the Internet.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_toggle_6 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\"><h3 class=\"et_pb_toggle_title\">General Customer Information<\/h3><div class=\"et_pb_toggle_content clearfix\"><div class=\"et_pb_toggle_content clearfix\">\n<div class=\"et_pb_text et_pb_module et_pb_bg_layout_light et_pb_text_align_left et_pb_text_2\">\n<p>The United States government has established a website to help spread awareness of how to be safe and secure online.\u00a0 That website address is:\u00a0 <a href=\"http:\/\/www.onguardonline.gov\">http:\/\/www.onguardonline.gov<\/a> You will find many helpful resources on avoiding scams and securing your computer and other internet-related safeguards.<\/p>\n<p><strong>NEW!<\/strong><em> FDIC Consumer News<\/em> \u00a0A Bank Customer\u2019s Guide to Cybersecurity. This guide was published by the FDIC to help consumers protect themselves from identity theft and online fraud. You can download it here:<\/p>\n<p><a href=\"https:\/\/banksouthern.com\/fdic-consumer-news-a-bank-customers-guide-to-cybersecurity\/\">FDIC Consumer News Guide to Cybersecurity<\/a><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"et_pb_toggle_7 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\"><h3 class=\"et_pb_toggle_title\">Nondiscrimination Statement<\/h3><div class=\"et_pb_toggle_content clearfix\"><div class=\"et_pb_toggle_content clearfix\">\n<div class=\"et_pb_text et_pb_module et_pb_bg_layout_light et_pb_text_align_left et_pb_text_2\">\n<div class=\"TypographyPresentation TypographyPresentation--m RichText3-paragraph--withVSpacingNormal RichText3-paragraph\">In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue,<\/div>\n<div class=\"TypographyPresentation TypographyPresentation--m RichText3-paragraph--withVSpacingNormal RichText3-paragraph\">N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to:<\/div>\n<div class=\"TypographyPresentation TypographyPresentation--m RichText3-paragraph--withVSpacingNormal RichText3-paragraph\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"mailto:crcomplaints@treasury.gov\" class=\"PrimaryLink BaseLink\">crcomplaints@treasury.gov<\/a>.<br \/><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/banksouthern.com\/wp-content\/uploads\/2024\/02\/Equal-Opportunity-for-All-How-to-file-a-complaint-of-discrimination-poster-final-MZ-2-003.pdf\" class=\"PrimaryLink BaseLink\"><\/a><\/div>\n<div class=\"TypographyPresentation TypographyPresentation--m RichText3-paragraph--withVSpacingNormal RichText3-paragraph\"><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/banksouthern.com\/wp-content\/uploads\/2024\/02\/Equal-Opportunity-for-All-How-to-file-a-complaint-of-discrimination-poster-final-MZ-2-003.pdf\" class=\"PrimaryLink BaseLink\">How to File a Complaint of Discrimination<\/a><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_4 et_pb_section et_pb_fullwidth_section et_section_regular et_block_section\">\n<section class=\"et_pb_fullwidth_header_2 et_pb_fullwidth_header et_pb_bg_layout_dark et_pb_text_align_left et_pb_module et_flex_module\" id=\"privacy\"><div class=\"et_pb_fullwidth_header_container left\"><div class=\"header-content-container center\"><div class=\"header-content et_flex_module\"><h1 class=\"et_pb_module_header\">Policies<\/h1><div class=\"et_pb_header_button_wrapper\"><\/div><\/div><\/div><\/div><div class=\"et_pb_fullwidth_header_overlay\"><\/div><div class=\"et_pb_fullwidth_header_scroll\"><\/div><\/section>\n<\/div>\n\n<div class=\"et_pb_section_5 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_2 et_pb_row et_block_row\">\n<div class=\"et_pb_column_3 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_toggle_8 et_pb_toggle et_pb_toggle_item et_pb_toggle_open et_pb_module et_block_module\"><h3 class=\"et_pb_toggle_title\">Privacy Policy<\/h3><div class=\"et_pb_toggle_content clearfix\"><p>View the <a href=\"\/wp-content\/uploads\/2016\/07\/Final_Southern_Bancorp_Privacy_Policy_website.pdf\">GLBA Annual Notice here.<\/a><\/p>\n<h4><strong>How We Gather Information<\/strong><\/h4>\n<p>As part of providing financial products or services, we may obtain information about our customers and consumers from the following sources:<\/p>\n<ul>\n<li>Information we receive from you on applications, emails, or other forms<\/li>\n<li>Information about your transactions with us, our affiliates, and others<\/li>\n<li>Information we receive from a consumer-reporting agency<\/li>\n<li>Information collected automatically when you visit our website, as described in the sections below<\/li>\n<\/ul>\n<p>Information that is generated electronically when you visit our website: Southern Bancorp and its third-party service providers may collect general information on our visitors to help us provide banking and other financial services to you online. This information is collected for security, analytics, and site improvement purposes. The information collected for these purposes may include:<\/p>\n<ul>\n<li>The Internet address (referral site) which brought you to our web site<\/li>\n<li>The date and time you access our site<\/li>\n<li>The name and version of your web browser<\/li>\n<li>Your Internet Protocol (IP) address<\/li>\n<li>The pages visited in our website<\/li>\n<li>Device type, operating system, and screen resolution<\/li>\n<li>Referring URLs and search terms that lead you to our site<\/li>\n<\/ul>\n<h4><strong>Tracking Technologies and Third-Party Services<\/strong><\/h4>\n<p><span data-contrast=\"none\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW19528909 BCX0\"><span class=\"NormalTextRun SCXW19528909 BCX0\">Our website uses third-party technologies to analyze site usage<\/span><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW19528909 BCX0\">. These technologies may place cookies or similar tracking files on your device and<span>\u00a0<\/span><\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW19528909 BCX0\">may<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW19528909 BCX0\">transmit<\/span><span class=\"NormalTextRun SCXW19528909 BCX0\"><span>\u00a0<\/span>data to third-party providers such as Google, affiliated Social Media providers, and SEO services.<\/span><\/span><\/p>\n<h4><strong>Your Cookie Choices<\/strong><\/h4>\n<p><span data-contrast=\"none\">When you first visit our website, a cookie consent banner will appear giving you the\u00a0option\u00a0to accept or reject non-essential cookies. You may:<\/span><span data-ccp-props=\"{&quot;335559739&quot;:200}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Accept all cookies<\/span><span data-ccp-props=\"{&quot;335559739&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Reject all non-essential cookies (only necessary cookies will be set)<\/span><span data-ccp-props=\"{&quot;335559739&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">Manage your preferences by category (analytics, marketing, functional)<\/span><span data-ccp-props=\"{&quot;335559739&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">You can change your cookie preferences at any time by clicking the \u201cCookie Preferences\u201d link in the website footer. If you reject non-essential cookies, the third-party tracking technologies described above will not\u00a0load\u00a0and no data will be transmitted to those providers<\/span><strong><\/strong><\/p>\n<h4><strong>Privacy of Children<\/strong><\/h4>\n<p>Southern Bancorp respects the privacy of children. We do not use the web to collect and gather names or any other personally identifiable information from children. We do have products that teach children to save, but we do not allow children to open accounts online.<\/p>\n<h4><strong>Internet Protocol (IP) Addresses<\/strong><\/h4>\n<p>An IP address is a number that\u2019s automatically assigned to your computer or internet-facing device whenever you\u2019re on the Internet. Web servers can automatically identify your computer by its IP address. <span data-contrast=\"none\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW185777986 BCX0\"><span class=\"NormalTextRun SCXW185777986 BCX0\">Southern Bancorp does not typically link IP addresses to personally identifiable information, though IP addresses may be transmitted to third-party analytics and advertising providers as described in the Tracking Technologies section above. <\/span><\/span>Southern may use IP addresses to audit the use of our site. Southern can and will use IP addresses to identify a user when necessary for security purposes.<\/p>\n<h4><strong>What is a Cookie?<\/strong><\/h4>\n<p>A cookie is a very small text file sent by a web server and stored on your device so that it can be read back later.\u00a0<\/p>\n<p><span data-contrast=\"none\">Cookies serve different purposes depending on their type:<\/span><span data-ccp-props=\"{&quot;335559739&quot;:200}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"none\">Necessary cookies \u2014\u00a0required\u00a0for core website functions such as secure Internet Banking sessions, fraud prevention, and reCAPTCHA. These cookies cannot be disabled.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"none\">Analytics cookies \u2014 help us understand how visitors use our website by collecting aggregated usage data (e.g., Google Analytics). These are set only if you consent.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"6\" data-aria-level=\"1\"><span data-contrast=\"none\">Marketing cookies \u2014 used by advertising platforms (e.g., Meta Pixel) to deliver relevant ads and measure campaign effectiveness. These are set only if you consent.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">For Internet Banking, Southern Bancorp uses encrypted session cookies that allow you to complete multiple transactions without re-entering your credentials. These are classified as necessary cookies and do not require consent.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:200}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">You can manage which categories of cookies are active on our website through the cookie consent banner or the \u201cCookie Preferences\u201d link in the site footer. You may also configure your browser to block or\u00a0delete\u00a0cookies, though this may affect site functionality.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:200}\">\u00a0<\/span><\/p>\n<h4><strong>Disclosure of Information<\/strong><\/h4>\n<p><span data-contrast=\"none\">We do not sell your personal information. However, certain third-party tracking technologies on our website (described in the Tracking Technologies section above) may\u00a0transmit\u00a0browsing data \u2014 such as pages visited, IP\u00a0address, and device identifiers \u2014 to their respective providers. This data transmission occurs only when you have consented to the relevant cookie category through our consent management platform.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:200}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">We may\u00a0disclose\u00a0nonpublic personal information about our customers, former customers, or website visitors as\u00a0permitted\u00a0or required by law,\u00a0including to\u00a0service providers who\u00a0assist\u00a0us in\u00a0operating\u00a0our website and delivering our services.<\/span><span data-ccp-props=\"{&quot;335559739&quot;:200}\">\u00a0<\/span><\/p>\n<h4><strong>External 3rd Party Links<\/strong><\/h4>\n<p>Our website may have numerous links to other 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. We do NOT have access to the information collected by any third party website, nor can we control how they use this information. If you have questions or concerns about the privacy policies and practices of these third parties, please review their websites and contact them directly.<\/p>\n<h4><strong>Online Security \u2013 further reading<\/strong><\/h4>\n<p>Southern Bancorp has developed security policies and procedures to protect your confidential information when using our online banking systems. This multi-factor authentication meets or exceeds regulatory guidance and recommendations using technologies like: Secure Socket Layering Protocol, Access ID verification and Password verification, Digital Certificates, Out-of-Wallet questions, and out of band security codes. For more information on how to safely use the online products, please visit our online banking education pages at our <a href=\"https:\/\/banksouthern.com\/policies\">Customer Information<\/a> page.<\/p>\n<p>&nbsp;<\/p>\n<h4><strong>Your Rights and How to Contact Us<\/strong><\/h4>\n<p><span data-contrast=\"none\">You have the right to:<\/span><span data-ccp-props=\"{&quot;335559739&quot;:200}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Opt\u00a0out of non-essential cookies at any time via the cookie consent banner or the \u201cCookie Preferences\u201d link in the site footer<\/span><span data-ccp-props=\"{&quot;335559739&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Request information about what personal data we have collected about you<\/span><span data-ccp-props=\"{&quot;335559739&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\u2022\" data-font=\"\" data-listid=\"5\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u2022&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">Request deletion of your personal data, subject to applicable legal and regulatory requirements<\/span><span data-ccp-props=\"{&quot;335559739&quot;:120}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>If you believe any information that Southern Bancorp has collected about you has been used for an improper purpose; we want to hear from you. <span data-contrast=\"none\" xml:lang=\"EN-US\" lang=\"EN-US\" class=\"TextRun SCXW230764165 BCX0\"><span class=\"NormalTextRun SCXW230764165 BCX0\">Please<\/span><span class=\"NormalTextRun SCXW230764165 BCX0\"><span>\u00a0<\/span>contact us with as much detail as possible so that we<span>\u00a0<\/span><\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW230764165 BCX0\">may<\/span><span class=\"NormalTextRun SCXW230764165 BCX0\"><span>\u00a0<\/span>investigate and take<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW230764165 BCX0\">appropriate action<\/span><span class=\"NormalTextRun SCXW230764165 BCX0\">.<\/span><\/span><span class=\"EOP SCXW230764165 BCX0\" data-ccp-props=\"{&quot;335559739&quot;:200}\">\u00a0<\/span><\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_toggle_9 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\" id=\"expenditures\"><h3 class=\"et_pb_toggle_title\">Excessive and Luxury Expenditures Policy<\/h3><div class=\"et_pb_toggle_content clearfix\"><p><a href=\"https:\/\/banksouthern.com\/wp-content\/uploads\/2023\/01\/SB-Excessive-Luxury-Expenditures-Policy-2022.pdf\">Click here to view the Excessive and Luxury Expenditures Policy.<\/a><\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_toggle_10 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\"><h3 class=\"et_pb_toggle_title\">ACH and Electronic Transactions<\/h3><div class=\"et_pb_toggle_content clearfix\"><p>Many merchants today will accept ACH (automated clearing house) and electronic transactions to pay bills and conduct business online. This is different than using a debit or credit card online, as you are giving that merchant your bank account number, usually alongside other confidential information. It is important to verify the integrity of the merchant involved by reading the End-User License Agreement (EULA) and understanding how that company will protect your information, and if they will contact you in case of a security breach. \u00a0As a consumer, you are also protected from unauthorized electronic transactions under the Consumer Financial Protection Bureau\u2019s (CFPB) <a href=\"http:\/\/www.fdic.gov\/regulations\/laws\/rules\/6000-1350.html\">Regulation E<\/a>. Business accounts are not covered under Regulation E.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_toggle_11 et_pb_toggle et_pb_toggle_item et_pb_toggle_close et_pb_module et_block_module\" id=\"overdraft\"><h3 class=\"et_pb_toggle_title\">Overdraft Coverage<\/h3><div class=\"et_pb_toggle_content clearfix\"><p>Southern Bancorp offers our Overdraft Privilege Program for those occasions when there are not sufficient funds in your account to pay a recently completed transaction. In those cases, Southern will advance funds, creating an \u201coverdraft\u201d or a negative balance in your account.\u00a0 The overdraft is typically repaid with your next deposit.<\/p>\n<p>The amount of overdraft privilege granted will vary depending on account activity such as deposit regularity and balance information. This activity will be monitored and overdraft limits will be adjusted accordingly. To qualify for items to be paid under this program, your account must be in good standing at the time the item is presented.<\/p>\n<p>There is no need to apply for this program. You will automatically be enrolled in the program.\u00a0 If you do not desire overdraft privilege on any transactions on your account, you may call us at 800-789-3428 or contact your local branch staff to ask to be excluded from this program.\u00a0<\/p>\n<p><strong>What You Need to Know about Overdrafts and Overdraft Fees<\/strong><\/p>\n<p>An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.\u00a0 We can cover your overdrafts in two different ways:<\/p>\n<ul>\n<li>Standard overdraft privilege.<\/li>\n<li>Overdraft protection plans such as a link to a savings account or a line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.<\/li>\n<\/ul>\n<p><strong><br \/>We authorize and pay overdrafts for the following types of transactions:<\/strong><\/p>\n<ul>\n<li>Checks and other transactions made using your checking account number<\/li>\n<li>Automatic bill payments<\/li>\n<\/ul>\n<p><strong><br \/>We do not authorize and pay overdrafts for the following types of transactions unless you \u201copt-in\u201d (See Below):<\/strong><\/p>\n<ul>\n<li>ATM Transactions<\/li>\n<li>Everyday Debit Card transactions<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transactions will be declined.<\/p>\n<p><strong><br \/>What fees will I be charged if Southern Bancorp pays my overdraft?<\/strong><\/p>\n<p>Under our standard overdraft practices:<\/p>\n<ul>\n<li>We will charge you a fee of $15.75 each time we pay an overdraft.<\/li>\n<li>There is a limit of seven (7) charges per day for overdrawing your account.<\/li>\n<\/ul>\n<p><a href=\"\/contact\">Contact us<\/a> today for more information.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1530","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/banksouthern.com\/es\/wp-json\/wp\/v2\/pages\/1530","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/banksouthern.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/banksouthern.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/banksouthern.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/banksouthern.com\/es\/wp-json\/wp\/v2\/comments?post=1530"}],"version-history":[{"count":35,"href":"https:\/\/banksouthern.com\/es\/wp-json\/wp\/v2\/pages\/1530\/revisions"}],"predecessor-version":[{"id":37340,"href":"https:\/\/banksouthern.com\/es\/wp-json\/wp\/v2\/pages\/1530\/revisions\/37340"}],"wp:attachment":[{"href":"https:\/\/banksouthern.com\/es\/wp-json\/wp\/v2\/media?parent=1530"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}