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The Power of Independence.
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Personal Banking
Checking Accounts
Independent 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
  • Free Cashier’s Checks (limit 3/month)
  • Mailing Fee 3.00 for paper statements
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 (limit 3/month)
  • No Minimum Balance required
  • One free foreign ATM charge per day applies only to transactions outside of Covington County but within the United States
  • Mailing fee 3.00 for paper statements
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 (limit 3/month)
  • One free foreign ATM charge per day applies only to transactions outside of Covington County but within the United States.
  • Mailing fee 3.00 for paper statements
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
  • Free cashier’s checks (limit 3/month)
  • Mailing fee 3.00 for paper statements
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 (limit 1 box/order)
  • 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
  • Free cashier’s checks (limit 3 month)
Southern Independent Bank. Member FDIC. Equal Housing Lender.