| Checking Accounts |
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| Independent Checking |
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- $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
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| Club Account Checking |
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- $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
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| Interest Club Checking |
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- $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
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| Interest Checking |
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- $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
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| Southern Silver Checking |
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- 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)
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