Consumer Checking Accounts

Consumer Saving Accounts 

Business Checking Accounts

Business Saving Accounts

CD'S/IRA

Loans 

 

CONSUMER CHECKING

  

SOUTHERNGREEN 

   
Minimum Deposit to Open $100 (1)
Does not earn interest.
No Monthly Service Charge. 
   
     

SOUTHERNSILVER

   

Minimum Deposit to Open $100 (1)

 

No Monthly Service Charge
Reserved for account owners 55 and over. 
   
     

SOUTHERNGOLD 

   
Minimum Deposit to Open $100 (1)     
Monthly Service Charge of $5 if balance falls below $500.     
Per item charge of $.20 per item for checks in excess of 50 per statement cycle.     
     

MONEY MARKET ACCOUNT 

   
Minimum Deposit to Open $2,500 (1)     
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

     
SOUTHERNSAVINGS     
Minimum Deposit to Open $50 (1)    
Quarterly Service Charge of $5 if balance falls below $50.     
     
SOUTHERNSAVINGS PLATINUM     
Minimum Deposit to Open $50 (1)     
Customer must maintain a SouthernTrust Checking Account.     
Quarterly Service charge of $5 if balance falls below $50.     
     
SOUTHERNKIDS     
Minimum Deposit to Open $10 (1)    

 

 

SOUTHERNKIDS PLATINUM     
Minimum Deposit to Open $10 (1)     
Customer must maintain a SouthernTrust Checking Account.     

 

 

Common Savings Account Features:     
Quarterly Statements     
Per item charge of $1 per withdrawal for each withdrawal in excess of 10 per quarter.     
     
CHRISTMAS CLUB     
Minimum Deposit to Open $10 (1)     
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 

 

SOUTHERN SMALL BUSINESS CHECKING  

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.

   
     

SOUTHERN BUSINESS CHECKING  

   
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. 
   
     

SOUTHERN BUSINESS ADVANTAGE CHECKING

   

Minimum Deposit to Open $1,500 (1)
Reserved for qualifying business; Governments, Non-Profit Organizations, Sole Proprietors.
   

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  

     

SOUTHERN BUSINESS SAVINGS 

   
Minimum Deposit to Open $100 (1)     
     

SOUTHERN BUSINESS PLATINUM SAVINGS 

   
Minimum Deposit to Open $100 (1)    
Customer must have a SouthernTrust Checking Account to qualify.     
Quarterly service charge of $5 if balance falls below $100. Per item charge of $1 per withdrawal for each withdrawal in excess of 10 per quarter.  
   
     

MONEY MARKET ACCOUNT  

   
See Consumer Checking for details.    

 

 

  

UNIVERSAL CHECKING ACCOUNT FEATURES:   

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

 

Minimum Deposit to Open $1,000

 

 
6 MONTHS

36 MONTHS

12 MONTHS

48 MONTHS

18 MONTHS

60 MONTHS

24 MONTHS

 

SouthernTrust Bank offers the above terms for Certificates of Deposit/IRA's.  For current rates please call your local facility.

     
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.

 

(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

  

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!

 
  
To email a SouthernTrust Bank manager select from one of the following below:   

Goreville

Vienna
Angela Webb
NMLS# 583649

Steve Sanders
NMLS# 583597
     
(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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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH SOUTHERNTRUST BANK 

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.