Checking

Choices. Life is all about making good ones. At Southern Hills, that's no problem. We build relationships transaction by transaction and every one of our exceptional checking options is designed to make your daily routine easier, your fees lower and your money instantly accessible whenever and wherever you might need it.

For current rates, call us at 888-898-9839 or visit us at any location.

Whatever works for you works for us

Do you regularly use your debit card? We can make that pay off. Want to earn interest on your checking deposits? We can make that happen. Just starting out in life or closing in on retirement? We can save you money. Prefer banking online or with your phone? We can save you time. And no matter which Southern Hills checking account you choose, you'll enjoy these convenient features:

E-Statements are free, safe, quick, convenient, easily accessible, and encouraged for all accounts.

Regular Checking

Sometimes things are popular over the long haul for a good reason. Our traditional checking account still offers great value with low fees and unlimited check writing.

  • Just a $50 deposit to open account
  • No service charge with $300 minimum daily balance
  • Monthly service charge of just $4 if account balance falls below $300 on any day of the statement cycle
  • Checkbook charges vary depending on the number and type of checks ordered

E-Friendly Checking

Some people don't like to carry cash. And they don't like lots of paper cluttering up their homes. Streamlining your life can help you eliminate monthly fees.

  • Just a $50 initial deposit to open account
  • No monthly service charge if you make 10 monthly debit card purchases ($4 fee if total isn't met)
  • Free eStatements ($4 charge for paper statement)
  • Unlimited check writing
  • Checkbook charges vary depending on the number and type of checks ordered

Next Generation Checking

Perhaps you're in college or just getting started in your career. In any case, young people don't want to be spending money on checking account fees.

  • Your choice of E-Friendly Checking or Regular Checking
  • No monthly service charge if you're under 23 years of age

Club Account

Once you reach the age of 50, you're eligible for extra perks. Club account holders can easily avoid service charges and earn interest on deposits.

  • Just a $50 to open account
  • No service charge with $100 minimum daily balance ($5 monthly charge if balance falls below $100 on any day of the statement cycle)
  • Interest is compounded daily and credited monthly on statement cycle date (Variable rate account; interest rate may change daily--call to ask about our current rates)
  • No charge for standard checks
  • No charge to photocopy personal documents (up to 10 per visit)
  • Unlimited check writing

Plus Account

Some people keep sizable sums of money in their checking accounts. With our tiered accounts, larger deposit balances are rewarded with higher interest rates.

  • $2,000 initial deposit to open account
  • No service charge with $2,000 minimum daily balance ($8 monthly charge if balance falls below $2,000 on any day of the statement cycle)
  • Tiered rate account—earn more interest on balances $7,500 or more
  • Interest is compounded daily and credited monthly on statement cycle date (Variable rate account; interest rate may change daily—call to ask about our current rates)
  • No charge for standard checks
  • Unlimited check writing

​Proper disclosures provided at or before account opening as required by applicable laws and regulations.