Checking Services

Spirit Checking:

  Minimum opening balance ................$200.00

  Unlimited check writing

  Your 1st order of checks are free!

  Free Telephone and Internet Banking! (Registration Required)

  Bounce Free Checking!  Ask us for details

  Earn interest on your account with a minimum of $500 in your account.  Ask us for details

  Monthly Service Fees: When you keep a $200 minimum daily balance, you will avoid the monthly fee. Should your balance drop below $200, a $7 monthly fee will be charged.

  Dormant Account Fee: $5.00 per month

 

Spirit Advantage Checking:

  All the Benefits of Spirit Checking PLUS:

  Minimum opening balance ................$100.00

  FREE Checks! Receive a discount on special order checks

  50% discount on Safe deposit boxes!

  The setup fee is waived on your ATM/Convenience Check Card!

  Earn interest on your ENTIRE Balance!

  All this for only a $7 Monthly Membership Fee

  Dormant Account Fee: $5.00 per month

 

Spirit Advantage 50 Checking:

If you're 50 or better, enjoy all the benefits of Spirit Advantage Checking at a super-low monthly fee of $6.

Dormant Account Fee: $5.00 per month

 Regular Checking:

Minimum opening balance ........ $100.00

Unlimited check writing

Dormant Account Fee: $5.00 per month

 

During your statement cycle if your:

Lowest balance is

 

Your service charge is

$500.00 and above

 

No service charge

$350.00 - $499.99

 

$3.50

$200.00 - $349.99

 

$4.50

$000.00 - $199.99

 

$5.50

 

Now Accounts:

Minimum opening balance: $1,500.00

Unlimited check writing

Dormant Account Fee: $5.00 per month

 

 

 

Monthly service charge if balance falls below $1,500.00 -- $8.00

 

Prime Checking Account:

Special benefits for those 55 years young or better:

 

  No monthly service fees on accounts kept over $500.00

  Only a $2.50 fee if balance falls below $500.00

  Free set-up of direct deposit for government checks

  Dormant Account Fee: $5.00 per month

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Southern Bank
PO Box 200 | Bald Knob, AR 72010 | (501) 724-3241