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Personal Checking

Personal Checking Accounts Freedom CheckingⓇ Account® Lifestyle Account Personal NOW Account Southern Club Account Classic Gold Account (50 years and older)
Minimum Deposit $100 $100 $100 $100 $100
Service Charges Per Statement Cycle $2.95
(waived with eStatements)
$7
for balances below $500 (waived with eStatements)
$8
for balances below $600
$10-$12 No
Check Images in Statement No Yes Yes Yes Yes
Interest No No Yes Yes
for balances $600 and above
Yes
for balances $1,000 and above
Free Checks No No No Yes (2 boxes) Yes (2 boxes)
Free Safe Deposit Box No No No Yes (where available) No
Insurance Benefits No No No Yes No
Free ATM Fees No Yes (2) No Yes (2) No
Bill Pay No Yes
(with direct deposit)
No Yes No

Personal Savings

Personal Savings Accounts Regular Savings School Savings Christmas Savings Money Market Account
Minimum Deposit $50 $50 $10 $1,000
Free Withdrawals Per Statement Cycle 6
$1/withdrawal thereafter
$1/withdrawal None before checks issued
$5/withdrawal
6
$5/withdrawal thereafter
Service Charges Per Statement Cycle $5 for balances below $200 None None $10 for balances below $1,000
Interest Yes Yes Yes Yes - Tiered
Comments Checks issued mid-November