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CONSUMER CHECKING
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SOUTHERNGREEN
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Minimum Deposit to Open $100 (1)
Does not earn interest.
No Monthly Service Charge. |
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SOUTHERNSILVER
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Minimum Deposit to Open $100 (1)
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No Monthly Service Charge
Reserved for account owners 55 and over. |
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SOUTHERNGOLD
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| Minimum Deposit to Open $100 (1) |
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| Monthly Service Charge of $5 if balance falls below $500. |
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| Per item charge of $.20 per item for checks in excess of 50 per statement cycle. |
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MONEY MARKET ACCOUNT
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| Minimum Deposit to Open $2,500 (1) |
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Monthly Service Charge of $10 if balance falls below $2,500.
Limited to 6 transactions per month with no more than 6 by check payable to third parties. $7.50 per transaction in excess of account transaction limits.
Available for Consumer and Business |
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CONSUMER SAVINGS
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| SOUTHERNSAVINGS |
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| Minimum Deposit to Open $50 (1) |
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| Quarterly Service Charge of $5 if balance falls below $50. |
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| SOUTHERNSAVINGS PLATINUM |
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| Minimum Deposit to Open $50 (1) |
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| Customer must maintain a SouthernTrust Checking Account. |
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| Quarterly Service charge of $5 if balance falls below $50. |
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| SOUTHERNKIDS |
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| Minimum Deposit to Open $10 (1) |
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| SOUTHERNKIDS PLATINUM |
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| Minimum Deposit to Open $10 (1) |
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| Customer must maintain a SouthernTrust Checking Account. |
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| Common Savings Account Features: |
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| Quarterly Statements |
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| Per item charge of $1 per withdrawl for each withdrawl in excess of 10 per quarter. |
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| CHRISTMAS CLUB |
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| Minimum Deposit to Open $10 (1) |
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| Early Withdrawal Penalty - If a request is made for withdrawal from account before Christmas Club checks are processed, the account must be closed and all interest earned for the period will be forfeited. |
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BUSINESS CHECKING
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SOUTHERN SMALL BUSINESS CHECKING
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Minimum Deposit to Open $200 (1)
Does not earn interest.
No Monthly Service Charge.
Per item charge of $.20 per item for checks in excess of 300 per statement cycle.
Per item charge of $.20 per item deposited in excess of 400 per statement cycle.
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SOUTHERN BUSINESS CHECKING
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Minimum Deposit to Open $500 (1)
Does not earn interest.
Monthly Service Charge of $10 if balance falls below $1,500.
Per item charge of $.20 per item for checks in excess of 400 per statement cycle.
Per item charge of $.20 per item deposited in excess of 500 per statement cycle.
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SOUTHERN BUSINESS ADVANTAGE CHECKING
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Minimum Deposit to Open $1,500 (1)
Reserved for qualifying business; Governments, Non-Profit Organizations, Sole Proprietors. |
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Monthly Service Charge of $10 if balance falls below $1500.
Per item charge of $.20 per item for checks in excess of 400 per statement cycle.
Per item charge of $.20 per item deposited in excess of 500 per statement cycle.
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BUSINESS SAVINGS
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SOUTHERN BUSINESS SAVINGS
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| Minimum Deposit to Open $100 (1) |
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SOUTHERN BUSINESS PLATINUM SAVINGS
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| Minimum Deposit to Open $100 (1) |
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| Customer must have a SouthernTrust Checking Account to qualify. |
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Quarterly service charge of $5 if balance falls below $100. Per item charge of $1 per withdrawl for each withdrawl in excess of 10 per quarter.
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MONEY MARKET ACCOUNT
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| See Consumer Checking for details. |
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| UNIVERSAL CHECKING ACCOUNT FEATURES: |
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Imaged Check Statements, Free ATM or Debit Card, Free Online Banking and Bill Pay, Free Telephone Banking.
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CERTIFICATES OF DEPOSIT/IRA
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Minimum Deposit to Open $1,000
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| 6 MONTHS |
36 MONTHS
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| 12 MONTHS |
48 MONTHS
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| 18 MONTHS |
60 MONTHS
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24 MONTHS
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SouthernTrust Bank offers the above terms for Certificates of Deposit/IRA's. For current rates please call your local facility.
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| IRA Included |
| EARLY WITHDRAWAL PENALTY- An early withdrawal penalty will be assessed on time deposits if there is a withdrawal before maturity and will reduce earnings. |
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| (1) Other fees, terms and conditions may apply. Please refer to the complete account disclosures available at your nearest SouthernTrust Bank location. The Truth In Savings Act requires disclosures to be available on all consumer deposit accounts. Please inquire at any SouthernTrust Bank location for a separate Truth In Savings disclosure. |
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LOANS
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SouthernTrust offers both consumer and commercial loans to meet your needs! Our loan decisions are made locally across the desk by lenders who know you personally. Come experience the difference. Whether you're needing to refinance, purchase a home, buy a car, start a business, or do a little home improvement. Stop in today to see one of our loan officers. We're waiting for you!
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| To email a SouthernTrust Bank manager select from one of the following below: |
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Goreville
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Lake of Egypt |
Vienna |
Angela Webb
NMLS# 583649 |
Heather McIlwain
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Steve Sanders
NMLS# 583597 |
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(E-mail sent to the addresses listed above are not secure. Confidential information should not be included in e-mail communications to SouthernTrust Bank.)
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Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.
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