Tailored
Solutions for your
Personal Banking
Needs

Checking

Choose the Right Checking Account
for Your Financial Goals

Premium Checking

We reward your relationship at SouthPoint Bank with high interest rates, nationwide ATM fee refunds, and everyday benefits. To earn your rewards, simply receive a direct deposit and use your debit card.

Features

Interest Rates

Earn interest on balances up to $25,000 when qualifications are met

ATM Refunds

Up to $10 in ATM fee refunds per month

Security and Protection

ID Theft Aid: Payment card fraud resolution and $2,500 in personal identity theft benefit
Cell Phone Protection: Up to $600 per claim ($1,200 per year) if your cell phone is broken or stolen
$10,000 Travel Accidental Death Coverage

Convenience

Online and mobile banking
Bill pay and eStatements
Health Savings Card: Discounts on prescriptions, eye exams, frames, lenses, and hearing services
Roadside Assistance: Available 24/7 and free to use, up to $80 in covered service charges

Savings and Discounts

Local and national retailer discounts with BaZing Savings

Account Requirements

Maintain a $2,500 minimum balance to avoid the $9 monthly fee
$100 minimum opening deposit

Value Checking

More than just access to your funds, Value Checking gives you benefits you can use every day, like roadside assistance and local discounts.

Features

Security and Protection

D Theft Aid: Payment card fraud resolution and $2,500 in personal identity theft benefit
Cell Phone Protection: Up to $600 per claim ($1,200 per year) if your cell phone is broken or stolen
$10,000 Travel Accidental Death Coverage

Convenience

Online banking
Mobile banking
Mobile check deposit
Bill pay
Debit card
Apple Pay®
Google Pay™
eStatements

Savings and Discounts

Roadside Assistance: Available 24/7 and free to use, up to $80 in covered service charges
Health Savings Card: Discounts on prescriptions, eye exams, frames, lenses, and hearing services
Shop Local, Save Local with BaZing Savings: Local and national retailer discounts

Account Requirements

$7 monthly service fee

Essential Checking

This basic checking account keeps it simple with essential banking tools, including online and mobile banking, for managing your account at home or on the go.

Features

Convenience

Online banking
Mobile banking
Mobile check deposit
Bill pay
Debit card with mobile & online banking
Apple Pay®
Google Pay™
E-statements with check images

Banking Tools

Basic checking account with unlimited check writing

Account Requirements

No minimum balance requirement
E-statements required to avoid $5 paper statement fee
10 Debit Card transactions per statement cycle required to avoid $7 monthly fee

Borrow

Empowering Your Financial Journey
with Smart Solutions

Home Mortgage

Pointing You Home

When you’re a first-time home buyer or have gone through the process before, SouthPoint’s mortgage team is here to help keep things simple. We’ll offer the best recommendations for your current and future financial needs while ensuring you get the best rate possible.

Home Equity

A Smart Solution for Your Financing Needs

If you've searched everywhere for financing, consider looking into your own home. We offer lines of credit that draw from your home equity — a convenient way to pay off those big expenses.
It's easy to use — draw what you need when you need it and only pay interest on what you use. You even have the option to pay down to zero balance and reuse.

Personal Credit Cards

Maximize Your Spending Power with Our Personal VISA® Cards

Card Options

Platinum

No annual fee

Platinum with Cash Back

Earn 1% cash back on all purchases with a $35 annual fee

General Features

Track purchases on itemized statements
Make purchases around the world
Manage payment options and transactions online
Set account alerts to track payments and balances online
Visa® Zero Liability: Only pay for purchases you have authorized on your card. Unauthorized purchases are not your responsibility.
0% intro APR on purchases and balance transfers for the first 7 billing cycles after account opening

SouthPoint Bank is not responsible for all credit decisions.

Personal Credit Card Management

Click below to apply online.

Credit Card Manager

Manage Your Credit Cards Conveniently Through Our Online Platforms:

Consumer Card Management

Easily manage your personal credit cards, track spending, and monitor transactions.

Save & Invest

Build Your Future with Our
Saving and Investment Options

Savings Account

Saving for a rainy day or a specific goal? A savings account is a smart choice to grow your money with earned interest.

Features & Fees

Account Requirements

$50 minimum opening deposit
$100 minimum daily balance to avoid the $10 quarterly service fee

Earnings

Earn interest quarterly

Convenience

Free online banking
Free mobile banking
Free eStatements

First Savings Account

Enjoy effortless saving with our straightforward account for individuals 18 and under, offering no monthly fees or balance requirements.

Features & Fees

Account Requirements

$25 minimum opening deposit
No minimum balance to maintain

Earnings

Earn interest quarterly

Convenience

Free online banking
Free mobile banking
Free eStatements

Money Market Account

Achieve greater heights with our Money Market account, designed to make your financial climb easier.

Features & Fees

Account Requirements

$0 monthly service fee with a $10,000 average monthly balance
$10,000 average monthly balance to avoid fees

Transactions

Unlimited ATM and in-person transactions
Unlimited deposit transactions

Convenience

eStatements
Online banking
Mobile banking

IRA

Your bucket list shouldn't include financial stress. Open an IRA with us and start saving for retirement now. Speak with a SouthPoint banker today!

Features & Fees

Account Options

Available in traditional and Roth IRAs

Account Requirements

$500 minimum opening deposit

Investment Benefits

Tax-advantaged* way to save for the future
Earn competitive interest higher than regular savings
Federally insured up to $250,000

Terms

Terms range from 1 month to 5 years
Annual contribution limits apply
No setup or maintenance fees

Visit the IRA Website for More Updated Information.

Ready to build your financial future? Contact us today to learn more about our saving and investment options and how we can help you achieve your financial goals.

Certificate of Deposit

Avoid uncertainties with your hard-earned money by securing it in a risk-free investment with fixed rates.

Features & Fees

Account Requirements

To get the most up-to-date rates and requirements, please contact or stop by your nearest branch.

Tailored Solutions for your Personal Banking Needs