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The Power of Independence.
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Personal Banking
Checking Accounts
Free Checking
  • $100.00 minimum opening deposit required
  • No minimum balance required
  • Unlimited check writing
  • Free first order of standard SIB checks (limit 1 box/order) Shipping charges will apply
  • Free Online Banking and Bill Pay
  • Free Debit/ATM card
  • One Free Foreign ATM Charge Per Day applies only to transactions outside of Covington County but within the United States
  • No direct deposit required
Club Account Checking
  • $100.00 minimum opening deposit required
  • $10.00 monthly maintenance fee
  • Unlimited check writing
  • Free first order of standard SIB checks (limit 1 box/order) Shipping charges will apply
  • Free Online Banking and Bill Pay
  • Free Debit/ATM card
  • Free Cashier's Checks & Money Orders (limit 3/month)
Interest Club Checking
  • $100.00 minimum opening deposit required
  • $12.00 monthly maintenance fee if the account falls below $5,000.00 any day of the monthly statement cycle
  • Unlimited check writing
  • Free first order of standard SIB checks (limit 1 box/order) Shipping charges will apply
  • Free Online Banking and Bill Pay
  • Free Debit/ATM card
  • Free Cashier's Checks & Money Orders (limit 3/month)
Interest Checking
  • $100.00 minimum opening deposit required
  • $7.50 monthly maintenance fee if the account falls below $5,000.00 any day of the monthly statement cycle
  • Unlimited check writing
  • Free first order of standard SIB checks (limit 1 box/order) Shipping charges will apply
  • Free Online Banking and Bill Pay
  • Free Debit/ATM card
  • One Free Foreign ATM Charge Per Day applies only to transactions outside of Covington County but within the United States
Southern Silver Checking
  • Available to customers age 50 and older
  • $100.00 minimum opening deposit required
  • No minimum balance required
  • Unlimited check writing
  • Free Southern Silver SIB checks. Shipping charges will apply
  • Free Online Banking and Bill Pay
  • Free Debit/ATM card
  • One Free Foreign ATM Charge Per Day applies only to transactions outside of Covington County but within the United States
  • No direct deposit required
Southern Independent Bank. Member FDIC. Equal Housing Lender.