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Features
Premium
Checking
Perks
Checking
Do you maintain a minimum balance of $2,500 in your account? Do you have a cell phone or look for deals when you shop?
Anywhere Banking Tools
Online banking, mobile banking, bill pay, debit card, and eStatement.


Shop Local, Save Local with BaZing Savings
Local discounts and national retailer deals to save you money on shopping, dining, travel, and more. 



Cell Phone Protection 1,2
Receive up to $600 per claim ($1200 per year) if your cell phone is broken or stolen.



ID Theft Aid 1,2
Includes payment card fraud resolution, $2,500 in personal identity theft benefit identity monitoring*, and credit monitoring*.
 
Experian ID and Credit Monitoring
Includes credit monitoring and quarterly credit reports, credit score and score tracker, score stimulator, identity monitoring, and child cyber monitoring.



Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges, up to 4 times per year. 



$10,000 Travel and Accidental Death Coverage 2
Peace of mind for the unexpected.



Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.


Great Interest on your Checking Balance
Our best checking rate.



Price Structure
Low monthly fee/minimum balance.
Maintain a $2,500 minimum balance, and we'll waive the $9 monthly fee. Only $7 per month.

  • We also offer Simple Checking. Maintain a $100 minimum balance, and we'll waive the $8 monthly fee. Simple Checking provides access to Anywhere Banking Tools, though it does not include additional features.

1 Cell phone protection and personal identity theft benefit are subject to additional terms and conditions.
2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
* Identity monitoring and credit monitoring require additional enrollment on BaZing.com 
 
 
 
 

A Certificate of Deposit (CD) is a savings tool that can increase the amount you earn in interest. Learn more on our CDs and IRAs page.

We also have 4.65%**APY CDs available at 13 or 27 months. Click the link below to learn more!
**$500 minimum opening deposit. Annual Percentage Yield (APY) is accurate as of 11/17/23. Product offerings may be withdrawn at any time during the promotional rate and term without penalty.  13 Month CD automatically renews to the 12 Month rate, and 27 Month CD automatically renews to the 24 Month rate. If CD is renewed, an early withdrawal penalty will be reinstated along with the new terms. You may step-up the rate on this CD once during the term, to the current rate of the same CD term. 
 

VISIT THE CDs + IRAs Page 

 


Speak with a live teller at our ATMs!

   


 To find available ATM/PTM locations, please visit: https://www.smb-t.com/hours-locations


Hear what others are saying about their Southern Rewards savings!


Which account is best for you? Try our Account Finder!





Need to reorder checks? Click the link below!