Classic Gold Checking
For our valued customers age 50 and older.
An interest-bearing checking account designed for customers age 50 and older with no monthly fees.
Personal Checking
Find the Right Checking Account
Compare our personal checking options to find the account that fits your lifestyle. From fee-free basics to premium rewards, we have you covered.
Compare Accounts
Freedom Checking
The basics. A simple account to get you started!
A basic, low-cost checking account with no minimum balance requirement and convenient features including a free debit card, online banking, and eStatements.
Lifestyle Checking
One word: convenience.
A full-featured checking account with convenient options including online bill pay, free debit card, and overdraft protection options.
Opportunity Card
The safe, easy, and smart way to manage your money.
A prepaid card account with no overdraft or NSF fees. A safe and easy way to manage your money.
Personal NOW Checking
Let your money work for you.
An interest-bearing checking account that helps you earn while you spend. Enjoy all the perks of checking while your balance earns interest.
Southern Club Checking
An account that insures your future.
A premium checking account with built-in benefits including AD&D insurance, identity theft protection, free checks, and much more.
Compare Accounts
See how our personal checking accounts stack up side by side.
| Classic Gold Checking | Freedom Checking | Lifestyle Checking | Opportunity Card | Personal NOW Checking | Southern Club Checking | |
|---|---|---|---|---|---|---|
| Min. Opening Deposit | $100 | $100 | $100 | $0 | $100 | $100 |
| Monthly Fee | None | $2.95/month | $7/month (balances below $500) | $5/month ($7 with paper statements) | $8/month (balances below $600, not waivable) | $10-$12/month (based on club level, not waivable) |
| Fee Waiver | — | with eStatements | with eStatements | — | — | — |
| Interest Bearing | — | — | — | |||
| Free Checks | Yes - 2 boxes per year | No | No | Not allowed unless by special request | No | Yes - 2 boxes per year |
| Free ATM | No | No | 2 free per month | $2.50 or less for out-of-network use | No | Yes (limits apply) |
| Bill Pay | No | No | Free with direct deposit | Free | No | Free |
| Qualifications | Age 50 and older | None | None | New customers with previous negative banking/account history; may request traditional checking after 6 months positive activity (manager approval required) | None | None |