Checking Accounts
A wide range of accounts with practical features to compliment your lifestyle.
Open An Account
Opening a new account typically takes less
than ten minutes.

What you will need to apply:

  • Driver's License or Government-Issued ID
  • Social Security Number
  • Date of Birth
  • Current Home Address
  • E-mail Address
Freedom Checking
  • No minimum balance
  • No service charge*
  • Free debit card
  • Free online banking
  • Free e.Statements and e.Alerts

* No service charge if you have a direct deposit, paper deposit or use your Southern Commerce Bank debit card to make 5 purchases during each monthly statement cycle. Otherwise, a service charge of $5.00 per month will be assessed. Other miscellaneous fees, including overdraft fees, may also apply.

Platinum Checking
  • No service charge if you have direct deposit, maintain an average balance of $1,500 and enroll in Savings Cents
  • Earns interest on entire balance
  • Interest will be compounded to your account monthly
  • Free debit card
  • Free online banking
  • Free e.Statements and e.Alerts
  • Free introductory order of checks
  • $1.50 ATM withdrawal fee at ATMs not owned by us is waived *
Platinum Checking
Minimum Opening Deposit Interest Rate Annual Percentage Yield
$0.00 0.05%  0.05% 

Open an Account »

These rates are accurate as of April 23, 2014.


Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. The interest rate is subject to change daily. If you do not have direct deposit, maintain an average balance of $1,500, and enroll in Savings Cents, a monthly service charge of $10 will be assessed.
* - ATM withdrawal fee is waived up to 4 times per statement cycle. Fees could reduce earnings.

Classic Checking
  • No service charge with direct deposit or when you maintain an average balance of $500
  • Earns interest on entire balance
  • Interest will be compounded to your account monthly
  • Free debit card
  • Free online banking
  • Free e.Statements and e.Alerts
  • 50% discount on any check order
Classic Checking
Minimum Opening Deposit Interest Rate Annual Percentage Yield
$0.00 0.05%  0.05% 

Open an Account »

These rates are accurate as of April 23, 2014.


If you do not have a direct deposit or maintain an average balance of $500 during a statement cycle, a service charge of $7.50 will be assessed. One account holder must be at least 50 years old. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items. The interest rate is subject to change daily. Fees could reduce earnings.

Student Checking
  • No minimum balance
  • Age 17 or younger must have parent or guardian as joint owner on the account
  • Free debit card
  • Free online banking
  • Free e.Statements and e.Alerts
  • No service charge if student uses online banking and e.statements *

* - If student does not enroll in online banking and e.statements and is 23 years or older, $5 per month will be assessed.