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Do you know where your money sleeps at night?


It’s a question few people ever ask. All banks use your deposits to finance things ranging from businesses to homes to personal loans. But how do you know those project align with your values?

The short answer is that you don’t. Unless you’re banking with a values-based bank like Southern Bancorp. We’re a different kind of financial institution, created to help communities in need by empowering them to grow financially – one loan, one person, and one family at a time.

You see, we believe that wealth building isn’t just for the wealthy, we believe it’s for everyone, and that’s why we’re committed to using the strength of our bank to do good in the community. And with the MyIMPACT account, you can too.

By opening a MyIMPACT account online, you can rest easy knowing that your deposits are not only safe, but that they’re helping provide credit counseling and financial education to those working to better themselves, helping families purchase their first home, and financing the dreams of entrepreneurs looking to create jobs.

And the best part? You’ll be doing all of that simply by using your MyIMPACT account, from the grocery store to the movie theater and everywhere in between without any monthly service charges!

MyIMPACT Account Features

  • Minimum Deposit: $100
  • Free MyIMPACT Debit Card: Four free anywhere ATM transactions per month.
  • Free Online Bill Pay
  • Free E-Statements
  • Monthly Service Charge: Nada, Zip, Zero

Ready to get started making an impact?

Your part of the process will take around 10 minutes to complete (after which it will take approx. 2-3 days for processing and fund availability). Review the list below for everything you’ll need on hand to complete the process:

  • Your U.S. Social Security Number
  • A valid driver’s license, state ID, Military ID or Passport
  • Knowledge of your previous addresses (to verify your identity, we’ll ask you a few questions about where you’ve lived.)
  • Account Number and Routing Number of the account you’ll be using to fund your MyIMPACT account
  • You must be at least 18 years of age to open an account.

Please take your time completing the forms as incorrect answers will delay the process.

If you’ve got everything you need, and you’re ready to start making an impact, click the button below.

Looking for a Savings Account?

You can open a MyIMPACT Savings Account as well!


  • $50 minimum deposit required to open
  • $5 quarterly service charge on balances below $200
  • $1 fee per withdrawal in excess of 6 per statement cycle
  • Earns interest