Checking

A checking account is important to manage your day-to-day purchases. At Southwind Bank we offer simple and convenient checking options to fit everyone’s needs!

All personal checking accounts include *free Online Banking, Bill Pay, Mobile Banking, eStatements and a Debit Card.

The Simple Checking consumer account has no monthly maintenance fees and no minimum balance requirements, making it easy for you to make daily purchases with an account that’s budget friendly.

Minimum Opening Deposit

$50.00 minimum deposit is required to open this account.

Interest Bearing

No.

Fees/Minimum Balance

No monthly maintenance fee or minimum balance requirement.

Transaction Limitations

Unlimited transactions.

Statements

eStatement enrollment through online banking is required; eStatements include item images.

A $5.00 fee applies to obtain paper statement copy

For those of you who prefer a more traditional account with monthly statements arriving in the mail, the Classic Checking is your answer. You can avoid a monthly maintenance fee with a minimum average daily balance.

Minimum Opening Deposit

$100.00 minimum deposit is required to open this account.

Interest Bearing

No.

Fees/Minimum Balance

A $5.00 fee will be imposed once every monthly statement cycle if the average daily balance falls below $500.00.

Maintenance fee is waived for individuals age 55 or older, churches and non-profit organizations.

Transaction Limitations

Unlimited Transactions.

Statements

Receive paper statements mailed monthly or eStatement delivery through online banking.

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

Minimum Opening Deposit

$1,000.00 minimum deposit 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.

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.)

Fees

A $10.00 maintenance fee will apply every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.

Transaction Limitations

Unlimited Transactions.

Statements

Receive paper statements mailed monthly or eStatement delivery offered through online banking.

*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.”