Southwind Bank checking account offerings are under construction! Soon we will offer new account types for you to choose from, including a No Fee Account option. Watch for details in the coming weeks!

As always, all personal checking accounts will include *free Online Banking, Bill Pay, Mobile Banking, eStatements and a Debit/ATM Card.

  • Regular Checking

    The Regular Checking Account offers several features and pricing options. You can avoid a monthly maintenance fee with a minimum average daily balance.

    Minimum Balance Options

    No monthly maintenance fee if a $600.00 minimum average daily balance is maintained throughout the statement cycle. The average daily balance is calculated by adding the balance in the account for each day of the statement cycle and dividing that figure by the number of days in the statement cycle.

    $2.00 monthly maintenance fee if the average daily balance falls between $400.00 and $599.99 during the statement cycle.

    $3.00 monthly maintenance fee if the average daily balance falls between $200.00 and $399.99 during the statement cycle.

    $5.00 monthly maintenance fee if the average daily balance falls below $200.00 during the statement cycle.

    No maintenance fee is charged to full-time students, inidividuals age 55 or older, churches and nonprofit organizations upon notification to the bank.

    Transaction Fees

    No transaction fees for 40 or fewer checks. For each check in excess of 40 during a monthly statement cycle, an exces check fee of $.15 per check will be charged.

    Statements

    Receive paper statements mailed monthly; additional eStatement enrollment offered through online banking

  • SuperNOW Checking

    The SuperNow is an interest bearing account that allows you to spend while you save!

     

    Minimum Opening Deposit

    $1,000.00 is required to open this account

    Interest Bearing

    Yes - Contact a bank representative for the current interest rate and annual percentage yield. Rates may be changed at any time at our discretion

    Compounding and Crediting 

    Interest will be compounded and credited to your account every monthly statement cycle.

    Minimum Balance Requirements

    A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1000.00 on any day of the cycle. A minimum balance of $1,000.00 is required in the account each day to obtain the disclosed annual percentage yield. We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

    Transaction Limitations

    Unlimited Transactions

    Statements

    Receive paper statements mailed monthly; additional eStatement enrollment offered through online banking

  • Money Market

    Interest Bearing

    Yes - Contact a bank representative for the current interest rate and annual percentage yield. Rates may be changed at any time at our discretion.

    Compounding and Crediting

    Interest will be compounded and credited to your account every monthly statement cycle.

    Compounding and Crediting

    Interest will be compounded and credited to your account every monthly statement cycle.

    Minimum Balance Requirements

    A deposit of $1,000.00 is required to open this account. A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1000.00 on any day of the cycle.  A minimum balance of $1000.00 is required in the account each day to obtain the disclosed annual percentage yield. We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

    Transaction Limitations

    Withdrawals or tranfers from a Money Market account to another account or to third parties are limited to 6 per statement cycle. This limitation includes automatic or preauthorized transfers, telephone transfers or internet banking transfers or payments.

  • VIP Money Market

    Interest Bearing

    Yes - Contact a bank representative for the current interest rate and annual percentage yield. Rates may be changed at any time at our discretion.

    Compounding and Crediting

    Interest will be compounded and credited to your account every monthly statement cycle.

    Compounding and Crediting

    Interest will be compounded and credited to your account every monthly statement cycle.

    Minimum Balance Requirements

    A deposit of $10,000.00 is required to open this account. A maintenance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 on any day of the cycle.  A minimum balance of $10,000.00 is required in the account each day to obtain the disclosed annual percentage yield. We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

    Transaction Limitations

    Withdrawals or tranfers from a Money Market account to another account or to third parties are limited to 6 per statement cycle. This limitation includes automatic or preauthorized transfers, telephone transfers or internet banking transfers or payments.

*All accounts are subject to Southwind Bank’s “Deposit Account Terms and Conditions” and “Interest, Fees & Charges Schedule” which are subject to change. There may be additional charges and fees for services as set out in the “Deposit Account Terms and Conditions” and “Interest, Fees & Charges Schedule.”