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Features
Premium
Checking
Perks
Checking
Simple
Checking
Do you maintain a minimum balance of $1,000 in your account? Do you have a cell phone or look for deals when you shop? Do you want a low cost account with basic benefits?
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 $400 per claim ($800 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 $1,000 minimum balance, and we'll waive the $8 monthly fee. Only $6 per month. Maintain a $100 minimum balance, and we'll waive the $7 monthly fee.
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.
 

VISIT THE CDs + IRAs Page 

 
*$500 minimum opening deposit. CD must be opened with money not currently on deposit with SMBT. Annual Percentage Yield (APY) is accurate as of 12/01/22. Product offering may be withdrawn at any time. Early withdrawal penalty will be 9 months interest or the full term on the 9 Month CD, and 12 months interest on the 21 Month CD. 9 Month CD automatically renews to the 6 Month rate, and 21 Month CD automatically renews to the 12 Month rate.

Southern Rewards Checking Accounts 



For more information about discounts and savings with Southern Rewards, go to https://bazing.com/southernrewards .


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!


 Still not sure which account is best for you? Try our Account Finder!





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