Buy the Things

Keep the change.

a new account from southern bank

Buy the Things

Keep the change.

a new account from southern bank

The new account from Southern Bank that lets you save without thinking about it, monitor your identity, and protect your cell phone. What other bank account can do that?

How It Works

Keeps Spending

With each debit card purchase from your Keeps Spending Account, your transaction is rounded up to the nearest dollar.

Keeps Savings

The rounded up portion is deposited into your Keeps Savings Account, allowing you to save automatically.

Save With Everyday Purchases

Vinyl Record

Spend: $23.17

Save: $0.83

Favorite Sandwich

Spend: $10.31

Save: $0.69

Fresh Fruit

Spend: $5.49

Save: $0.51

Single Scoop

Spend: $4.25

Save: $0.75

Double Espresso

Spend: $5.08

Save: $0.92

Garden Herbs

Spend: $12.63

Save: $0.37

Gas

Spend: $36.19

Save: $0.81

New Kicks

Spend: $63.12

Save: $0.88

Threads

Spend: $22.03

Save: $0.97

Save With
Everyday
Purchases

Vinyl Record

Spend: $23.17

Save: $0.83

Favorite Sandwich

Spend: $10.31

Save: $0.69

Double Espresso

Spend: $5.08

Save: $0.92

Gas

Spend: $36.19

Save: $0.81

EVERY ACCOUNT INCLUDES

ID Protect Has You Covered1,2

You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service, can help better protect your identity.

LEARN MORE

Identity Theft Expense Reimbursement Coverage

Up to $10,000 Identity Theft Expense Reimbursement to cover expenses associated with restoring your identity should you become the victim of identity fraud. Potential expenses include: reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records.

Comprehensive Identity Theft Resolution Services

If your identity is stolen, an IDProtect fraud resolution specialist will help you every step of the way until your identity is restored. This specialist is dedicated to you and will be there to answer any questions you may have.

Identity Monitoring3

monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan, and if your scan reflects a high-risk score, you will be notified.
(Registration/activation required)

LEARN MORE

Credit File Monitoring3

Daily credit file monitoring and automated alerts of key changes to your single bureau credit reports. (Registration/activation required)

Credit Report and Score

Request an updated single -bureau credit report every 180 days or upon opening a resolution case. Each new report includes an updated single-bureau credit score. Credit Score is a Vantage Score 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. (Registration/activation required)

Debit and Credit Card Registration

Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (Registration/activation required)

PROTECT YOUR CELL PHONE1

Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers up to four phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid using eligible account.)

Get Rid Of Monthly Fees

It’s Easy

Reducing your monthly service fees is easy. Make sure you’re doing the following for Keeps Spending and Savings:

Keeps Spending

A $6.00 monthly service fee applies but can be avoided or reduced by:

  • Enrolling in electronic statements will reduce the monthly service fee by $3.00.
  • Using your Southern Bank Debit Card 15 times per statement cycle will reduce your fee by $3.00.
  • To eliminate the monthly service fee completely, complete both of the above or maintain a minimum daily balance of $5,000.

Keeps Savings

A $3.00 monthly service fee applies, but can be avoided by doing the following: 

  • Enrolling in electronic statements
  • Must have at least one automatic round up deposited into your Keeps Savings account per month
  • No more than 3 withdrawals per month