Website Disclaimer:

We do not control the content of or approve any website that is linked through this web site. Search results are not filtered or screened by the bank or any of its agents, representatives or service providers. Users who search the Internet using their browser do so at their own risk and are responsible for the results.

Financial Calculator Disclaimer:

The financial calculators used on our Online Banking website are tools for you to use in your financial planning. The results obtained are based on the information you enter. We do not guarantee and do not assume responsibility for the accuracy or correctness of these calculators.

Fraud Prevention:

Here's what you can do to stop Identity Theft or Fraud crimes before they happen, and protect your assets and your good name:

1.     Do not give out financial information such as checking account and credit card numbers—especially your social security number—on the phone unless you initiate the call and know the person or organization you’re dealing with. Do not give that information to any stranger, even one claiming to be from the bank.

2.     Do not have your sensitive information pre-printed on your checks, such as your driver’s license, telephone or social security numbers.

3.     Do report lost or stolen checks immediately. We will block payment on the check numbers involved. Also, review new checks to make sure none has been stolen in transit.

4.     Store cancelled checks and new checks in a safe place.

5.     Notify the bank of suspicious phone calls such as those asking for account information to "verify a statement" or "award a prize."

6.     Guard your Personal Identification Numbers (PINs) for your ATM and credit cards, and don’t write on or keep your PINs with your cards. You should also guard your ATM and credit card receipts. Thieves can use them to access your accounts.

7.     Be creative in selecting Personal Identification Numbers (PINs) for your ATM and credit cards, and passwords that enable you to access other accounts. Do not use birth dates, part of your social security number or driver’s license number, address, or children’s or spouse’s names. Remember: If someone has stolen your identity, he or she probably has some or all of this information.

8.     If you receive financial solicitations that you’re not interested in, shred or tear them up before throwing them away, so thieves can’t use them to assume your identity. Destroy any other financial documents, such as bank statements or invoices, before disposing of them.

9.     Do not put outgoing mail in or on your mailbox. Drop it into a secure, official Postal Service collection box. Thieves may use your mail to steal your identity.

10.  If regular bills fail to reach you, call the company to find out why. Someone may have filed a false change-of-address notice to divert your information to his or her address.

11.  If your bills include suspicious items, don’t ignore them. Investigate them immediately to head off any possible fraud before it occurs.

12.  We require the use of a browser that supports 128-bit encryption for online banking. 128-bit encryption is a level of data protection that is commonly available in today's Internet browsers and is needed to provide the approximate level of security we provide for our non-Internet based online banking products.

Another online safety feature is your password. Every time you log on to online banking, you are required to enter your ID and password. You control both and can change your password at any time. For your safety, you should never reveal your password to anyone.

13.  Contact the major credit reporting companies periodically to review your file and make certain the information is correct. For a small fee, you can obtain a copy of your credit report at any time. (Please note that in some states or municipalities, you may be legally entitled to these reports free of charge. Check with the credit bureau when ordering the report.) The three major credit bureaus are:


  • Equifax 1-800-525-6285
  • Experian 1-888-397-3742  
  • TransUnion 1-800-680-7289 

If You’re a Victim of Identity Theft or Fraud:

The unauthorized use of someone’s identity is a serious matter to us at Southern Bank.  If you’re a victim of identity theft or fraud, you should call us immediately. We will work with you to correct all unauthorized transactions in your bank accounts and correct any incorrect reports to credit bureaus, and will attempt to protect you from any future identity theft or fraud. We suggest that you immediately:

  • Call the fraud departments of all three credit bureaus. Ask them to put a "fraud alert" on your file. This tells creditors to call you before they open any more accounts in your name.


  • Equifax 1-800-525-6285
  • Experian 1-888-397-3742  
  • TransUnion 1-800-680-7289 
  • Contact your local police and ask to file a report. Even if the police can’t catch the identity thief, having a police report can help you in clearing up your credit records later on.
  • File a complaint with the Federal Trade Commission (FTC). Call the FTC’s identity theft hotline toll-free at 1 (877) IDTHEFT (438-4338). The hotline is staffed by counselors trained to help victims and take their complaints.
  • Complete the identity theft affidavit, which will assist you in reporting to many companies that a new account has been opened in your name. More information can be obtained by clicking the link above.

How to Stay Safe from Phishing:

‘Phishing’ is a scam that involves Internet fraudsters who send spam or pop-up messages to lure personal information (credit card numbers, bank account information, Social Security number, passwords, or other sensitive information) from unsuspecting victims.  Click on the link below to learn more!

Quick Facts about 'Phishing'


What is Pharming?

‘Pharming’ is a scamming practice in which malicious code is installed on a personal computer or server, misdirecting users to fraudulent websites without their knowledge or consent.  Click on the link below to learn more!

More information about Pharming


ATM Awareness

How to stay safe at ATM Machines


Financial Education


We believe that financial literacy and education helps consumers make informed decisions.  Heightened awareness of personal financial responsibility helps consumers realize the benefits of responsible money management, understanding the credit process and the availability of help if problems occur.  www.MyMoney.gov is the federal government’s website that serves as the one-stop shop for federal financial literacy and education programs, grants and other information.  1-888-MyMoney is the federal government’s toll-free hotline accessible to the public seeking information about federal financial education materials.









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