Customer Resources

How do I...

If you’re looking for a how-to-do-everything resource at Southern Bank - you’re in the right place. If you’re having a problem, please visit our Customer Support.

General Questions

How do I place a stop payment on a check?

To place a stop payment on an item, call our call center at 855-452-7272 or log in to your online banking profile. Select the account from which the check was written. From the quick links menu on the right, select Stop Check Payment .

How do I order checks?

To order checks for the first time: Visit your local branch and speak with a Personal Banker or call our Resource Center at 855-452-7272

To reorder checks: Visit your local branch and speak with a Personal Banker, call our Resource Center at 855-452-7272, or click here to reorder checks online.

How do I get a cashier’s check or money order?

Please visit your local branch.

How do I initiate a wire transfer?

To initiate a wire transfer please visit a Southern Bank branch.

If you plan to initiate several wire transfers and do not wish to come to the branch multiple times, you can complete an authorization form. This form must be completed before the wire request and a signature is required.

If you are a business customer, you can send your own wires through your online banking platform using our Cash Management Services. To request information about Cash Management Services or to get signed up, please complete this form and a Business Banking Specialist will contact you.

How do I get a safe deposit box?

Visit a Southern Bank branch. Most branches have safe deposit boxes, with the exception of the following:

Poplar Bluff – Oak Grove
Anna
Searcy
Jonesboro – South Main

How do I find the branch nearest me?

Visit our Locations Page

How do I set up Southern Messenger?

You should receive messages from Southern Messenger when you open an account with us, or if you have an existing account, as long as you have provided us with a valid mobile phone number. If you are not receiving messages from Southern Messenger, please contact a Personal Banker at your local branch or call us at 855-452-7272

How do I opt out of Southern Messenger?

When you receive a message from Southern Messenger (XXX-XX), respond with “Stop” to opt out.

How do I set up direct deposit?

If your place of employment offers direct deposit, complete this form and give to your employer or deposit provider

How do I set up voice banking?

After downloading the Amazon Alexa app, you’ll be able to enable the Southern Bank skill to link your account. Linking your account enables you to ask Alexa specific questions about your account, including your account balances.

To link your account:

1. Sign into the Alexa app using your Amazon credentials
2. Navigate to Southern Bank’s Alexa Skill page
3. Click Enable
4. Navigate to settings
5. Click Link Account
6. Enter your mobile banking credentials and MFA (multi-factor authentication) prompts.
7. Accept the Terms and Conditions
8. Create a spoken passcode (4-digit, numeric). This spoken passcode will be required to access account balances.

This particular list of questions does not require account linking:

• What is the routing number?
• What is the customer support phone number?
• What are the customer service hours?
• What if I suspect fraud?
• What is the bank mailing address?
• Where can I locate my full account number?
• How do I order checks?
• What is a person to person payment?
• What is an external transfer?
• What is an external transfer fee?
• What is a person to person limit?
• What is the mobile check deposit amount limit?
• How many mobile check deposits can I do each day?
• When will my funds be available?
• How is a bill pay payment sent?

• Why can’t I cancel a transfer?
• How do I cancel a bill pay payment?
• Why can’t I cancel a person to person payment?
• What does the error “can’t read check” mean?
• What is an external account?
• What are the fees to use Alexa?
• How secure is Alexa?
• What is the cutoff time for transfers?
• When is the cutoff time for loan transfers?
• What is the bill pay ‘send on’ date?
• What is the bill pay ‘delivered by’ date?
• What is an e bill?
• What is an available balance?
• What is a current balance?

Digital Banking

How do I enroll in online banking?

To enroll in online banking from either the mobile app or www.bankwithsouthern.com:

1. Click Enroll
2. Agree to the Terms and Conditions
3. Enter your information in the Online Internet Banking Enrollment Form and click continue
4. Create an Access ID and Passcode and select Security Questions
5. Click Submit

Your enrollment will be verified by a member of our team and you will be notified when you are able to access online banking. Verification is typically completed within one business day. If you have not received access to online banking, please contact us at 855-452-7272.

How do I view my transactions?

How do I reset my online banking passcode?

Resetting your passcode can be completed from the online banking platform or mobile app.

To reset your passcode from the mobile app:

1. Log in
2. Click More
3. Select Change Passcode

If you have forgotten your passcode, select Forgot Passcode. Follow the prompts to reset your passcode.

To reset your passcode from the online banking platform:

1. Log in to mobile banking
2. Click the arrow beside your name and select Change Passcode

If you have forgotten your passcode, select Forgot Passcode. Follow the prompts to reset your passcode.

How do I enroll in online statements?

1. Login to Online Banking (desktop or laptop)
2. At the top of the page, next to your name, click the down arrow, then select All Services and Settings.
3. Click on View Statements
4. Select the online account you wish to receive e-statement delivery and choose Opt-In for This Account, or choose Opt In for All Accounts.

How do I view old statements?

1. Log in to your online banking profile
2. Hover over Accounts and select the account you wish to view
3. From the quick links menu on the right side, click Statements

How do I enroll in online bill pay?

How to request Bill Pay for your account:

1. At the top of the page, next to your name, click the down arrow, then select All Services and Settings.
2. Under Preferences, select Modify account access. This will take you to the accounts page where you will see a list of your accounts.
3. Under Actions, next to the account that you wish to add Bill Pay, click the I want to drop down arrow and select Edit.
4. On the account access information page, the last item is called Available Services. Check the radio button next to Basic with Bill Pay.
Click Submit

Our internet banking team will approve your request within 2 business days.

How do I set up Account Activity, Messaging, and/or Security Alerts for my accounts?

1. Log in to online banking
2. Click alerts at the top right corner of the page
3. Select Settings
4. Set up alerts for the any of the following:

Account Activity Alerts

With my balance
If account is overdrawn
If balance is higher than
If balance is lower than
If a check # clears
For deposits more than
For transactions more than
When account statement is available

Messaging Alerts

Any new message is sent to my online inbox
A secure message is sent to my online inbox
A transaction-related message is sent to my online inbox
A new online service emrivilege has been granted or removed
A broadcast message is sent to my online inbox

Security Alerts

Login is successful
A security-related change is made
Online transfer is processed
New external transfer account request submitted

How do I transfer money?

Transfer Money via Online Banking

1. Log in to your online banking profile
2. Hover over the Transfers tab and select Schedule Single Transfer or Schedule Multiple Transfers
3. Select the accounts you wish to transfer from and to, enter a description, amount, frequency, period, and scheduled date
4. Click Transfer

Transfer Money via Mobile App

1. Log in to the online banking app
2. Click Transfer on the main page
3. Select the accounts you wish to transfer from and to, select date and amount
4. Click Continue

The cut-off time for internal transfers is 6:00 p.m. CD; 4:00 p.m. CDT for external transfers

How do I send money using Pass the Buck?

Send Money via Mobile App with Pass the Buck

To send money:

Open the Mobile app home screen, click more at the bottom right
Select Pass the Buck from the list
Add recipients email address or mobile number
Add the amount you want to send (transfer amount)
Add in your debit card and expiration (can be saved for later use)
Accept the terms of service and click Send

To receive money:

Receive a text or email from sender
Click the included secure link (southernbank.payzur.com)
Add your first and last name, debit card #, expiration date

Accept the terms and click Deposit Payment

Things to know:

$1000 limit per day
10 transaction limit per day
Pass the Buck is a free service
Instant funds if an eligible debit card is used
Up to 3 days if ACH account is used

How do I send money using Popmoney®?

How do I make a mobile deposit?

Transfer Money via Online Banking

1. Endorse the back of the check with:

a. Your signature
b. "For Mobile Deposit Only"
c. The last 4 digits of the account where you wish to deposit the funds

2. Place the check on a flat surface with good lighting.
3. Using the Front and Back buttons, take photos of both sides of the check.
4. Enter the check amount.
5. Select the account where you want the funds deposited.
6. Enter the email address where you want the receipt sent.
7. Click Continue.
8. Review your images, amount and account info then click Approve.

You'll receive an immediate email notification confirming that we've received your deposit and another when we've accepted it for processing.

How do I register for Card Center?

Card Center is a part of Digital Banking from Southern Bank.

Enroll Now

How do I use Card Center?

Enroll in Digital Banking

Enroll in Digital Banking with Southern Bank using the link above. Digital Banking provides access to Card Center and our suite of digital services.

Learn More

Debit or Credit Cards

How do I report a lost or stolen debit card?

If your debit card has been lost or stolen, please call us so we may close/deactivate your card and issue a new card. Remove the lost or stolen card from your device. One of our 24-hour service representatives will be glad to help you. If you have your card loaded into Card Center, you can turn your card off until you can reach us via phone.

How do I dispute a charge on my debit card?

Please notify us if you believe there are incorrect charges on your account. We must be notified within 60 days of the statement date that shows the error. You can open a dispute by calling us at 855-452-7272. A customer service representative will connect you with our Cardholder Services Department. If it is after business hours please follow the voice response options to be connected to Cardholder Services. Please note, only posted transactions can be disputed; pending charges are temporary and may change.

Please consider contacting the merchant prior to initiating a dispute. Merchants can typically answer your questions and resolve the dispute much faster than the bank. The merchant’s phone number may be located on your receipt or billing statement.

Before you open a dispute, please gather the necessary documentation. For example:

Receipt of purchase
Proof of return
Date and time you contacted the merchant
Name of the person you interacted with
Any other information that may help us resolve your dispute.

Our Cardholder Services team will research the transaction with the merchant and their financial institution. We will notify you in writing of the results of the investigation. We process disputes according to the billing error procedures that are governed by federal law.

How do I request a new debit card?

To request a new debit card, visit your local branch. Most branches (exceptions: Bradford, Poplar Bluff – PP Highway, and Essex) are able to instantly issue a new debit card for you.

How do I activate my new debit card?

To activate your debit card call 1-800-992-3808

How do I change my debit card PIN?

To change your debit card PIN number, you may visit any branch or call 1-800-992-3808

How do I check the status of my credit card application?

Can I view aspects of my credit card account online?

Yes. Visit myaccountaccess.com to view your credit card account profile. See the Account Access Guide for details.

If you have not enrolled:

1. Visit myaccountaccess.com
2. Click the Enroll tab
3. Enter your information and click Submit

How do I activate my new credit card?

1. Log in to your credit card account profile at myaccountaccess.com
2. Click the Enroll tab
3. Enter your information and click Submit

How do change my PIN?

Call 800-558-3424

Accounts

How do I change my address or contact information?

To change online banking contact information:

1. Log in to online banking
2. Click the dropdown arrow beside your name
3. Select Change Contact Information

How do I add someone to my account?

Contact your local branch to add someone to your account. Please have the social security number or driver’s license of the person you are adding.

How do I apply for a personal checking account?

To compare checking account options and apply, click here

What do I need to open a personal account?

To open a personal account, you will need the following items and information:

An opening deposit (amount varies upon account type)
Photo ID
Address
Phone
Email
Mother’s maiden name
SSN
Date of birth
Employer/occupation.

How do I apply for a business checking account?

To compare business account options and apply, click here

Mortgage and Loans

How do I prequalify for a mortgage?

Contact your local lender or fill out the pre-qualification form

Where do I mail personal loan and mortgage payments?

Southern Bank
PO Box 520
Poplar Bluff, MO 63902

Having a problem with a product or service?