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# Southern Bank

Our Interest Is You

## Sitemaps

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## Posts

- [In The News](https://www.southernbank.com/blog/)
- [Money Matters: Identity Theft @757](https://www.southernbank.com/money-matters-identity-theft-757/) - Learn the steps to take if you become a victim of identity theft.
- [Money Matters: Home Improvement Loans](https://www.southernbank.com/money-matters-home-improvement-loans/) - Taylor Harrell discusses things to consider when choosing a Home Improvement Loan.
- [Money Matters: Tips on Mortgages with Taylor Harrell](https://www.southernbank.com/money-matters-tips-on-mortgages-with-taylor-harrell/) - Taylor Harrell discusses things to consider when taking on a mortgage.
- [Money Matters: Tips on Saving with Steve Kocen](https://www.southernbank.com/money-matters-tips-on-saving/) - What are some tips to consider about saving? Put your savings first Make automatic deposits Use your online banking or mobile banking app Save for those unexpected expenses
- [Money Matters: Identity Theft Prevention](https://www.southernbank.com/money-matters-identity-theft-prevention/) - Over a billion financial records fall victim to identity theft every year.How do you protect your identity? Be careful when giving out your information Shred sensitive documents Monitor your financial activity How can you monitor your activity? Southern Bank app alerts will notify you for: Credit or debit card usage Bill payments Account withdrawals What
- [Money Matters: 401K Options for Small Businesses](https://www.southernbank.com/money-matters-401k-options-for-small-businesses/) - There are two affordable 401K options for small businesses. SEP - Simplified Employee Pension Plan SIMPLE Plan How do these work like a 401K? Employees contribute to their retirement Employers can match the contribution Employees can choose investment options Can they still choose from stocks, bonds, money market funds, and mutual funds? Yes; they can
- [Money Matters: Consolidating 401Ks](https://www.southernbank.com/money-matters-consolidating-401ks/) - With the average American changing jobs every 4-5 years, multiple 401K accounts are a reality for many. Why should you consolidate your 401K? Keeps management simple One point of contact Saves time and paperwork Shows the big picture How can you save money when you consolidate? Reduced brokers Reduced management fees Better returns
- [Money Matters: Protect yourself from Card Cracking](https://www.southernbank.com/money-matters-protect-yourself-from-card-cracking/) - One new scam that is on the rise is card cracking. Learn more about how to protect yourself from it. What is card cracking? Online scam designed to steal banking information What are methods of card cracking? Fake Contests Easy Cash Schemes Fake Social Media Accounts How do you avoid these scams? Never give out
- [Money Matters: Financing a Business](https://www.southernbank.com/money-matters-financing-a-business/) - Here are some important things to consider if you are starting a business. What do businesses need to finance? Line of credit Capital investments Leases and loans What are other considerations? Business savings accounts Business credit cards What is the most important thing for businesses to have before financing? Detailed business plan
- [Money Matters: Down Payments](https://www.southernbank.com/money-matters-down-payments/) - Over half of renters in the United States believe owning a home is more affordable than renting. What is some advice when it comes to down payments? Decide how much payment is neededTalk to home lender about qualificationSet up a savings plan Are there zero percent down payment options? 0% options for active and veteran
- [Money Matters: Cyber Security for Business](https://www.southernbank.com/money-matters-cyber-security-for-business-2/) - Digital information is very valuable. Hackers work hard to breach security at large firms, government offices, credit card companies, and more. How do you protect your data? Firewall Data encryption Administrative controls Should your company get outside help? Yes, IT companies can access risks and offer solutions
- [Money Matters: Personal Cyber Security](https://www.southernbank.com/money-matters-personal-cyber-security/) - People should be well-informed about the rise in cyber attacks since millions happen every day. How do we prevent security worries? Be aware of the risks and stay up-to-date on the best practices. Change passwords frequently Don’t click strange email links Password protect your devices What about cyber protection services? They’re worth investing in. All
- [Money Matters: Email Fraud](https://www.southernbank.com/money-matters-email-fraud/) - How do you know if an email is fraud? The name and company are real Their request is real Sending in the account information BUT these things do not add up to the correct accounts and people How do you avoid email fraud? Always double check any suspicious requests A quick phone call can verify
- [Money Matters: Ways to Save](https://www.southernbank.com/money-matters-ways-to-save/) - What can you do to successfully save money? Set Savings Goal Determine Cost Create Budget What if you feel like there isn’t enough money in your monthly budget to save? Track all your expenses for one week and see if there are any you can eliminate or reduce. See if there are any ways you
- [Money Matters: Personal Identity Theft](https://www.southernbank.com/money-matters-personal-identity-theft/) - How worried should people be about becoming victims of identity theft? Every two seconds, someone has their identity stolen. It’s the fastest growing crime in the U.S. What do you recommend people do to protect themselves? Guard Your Personal Information Shred Sensitive Documents Review Your Credit Report Monitor Your Kids’ Credit Reports What can Southern
- [Money Matters: Home Mortgages with Neil Johnston](https://www.southernbank.com/money-matters-home-mortgages-with-neil-johnston/) - Whats the typical home buying age? Between 25 and 45 years old Most millennials are buying homes Usually most are 1st homebuyers What is good advice for millennials the re buying homes? Set a budget Prequalify for loans
- [Money Matters: Loan or Lease?](https://www.southernbank.com/money-matters-loan-or-lease/) - What should people consider when deciding whether to buy or lease a car? First, how long do your plan to keep the car? Leasing requires returning or buying the car at the end of the lease Owning is better if you drive over 15000 miles in a year What are some reasons to lease? Changing
- [Money Matters: Merchant Services](https://www.southernbank.com/money-matters-merchant-services/) - What are benefits of merchant services? Using a debit or credit card can make the transactions easy and quick What should todays retailers do for merchant services? Accept Apple and Google pay Accept smartphone coupons Are there fees associated with merchant services? Fees can be associated but it depends on the service
- [Money Matters: Retirement Planning](https://www.southernbank.com/money-matters-retirement-planning/) - What’s the best way to plan for retirement? Start Now Plan Your Goals Work Towards Your Goals Estimate Your Needs Plan Your Savings Take Advantage of Your Options Manage Your Accounts Review Your Accounts
- [Money Matters: Starting a Business](https://www.southernbank.com/money-matters-starting-a-business/) - Planning is everything when it comes to starting a successful business. How do you begin? Create a detailed business plan: First 3-5 years Cash Flow Analysis Capital Needs What’s next? Form a Dream Team. Lawyer Accounting Firm Bank They can help you with… Best Business Structure Permits Licenses Registrations Tax ID Numbers You can also
- [Money Matters: Credit Scores](https://www.southernbank.com/money-matters-credit-scores/) - Credit score is a very important component when you’re trying to buy a house. Where does “credit score” come from? Payment History Total Credit Used Length of History, New Credit & Types of Credit How can someone check their credit score? Southern Bank will check someone’s credit score when they apply for a loan. They
- [Money Matters: College Scams](https://www.southernbank.com/money-matters-college-scams/) - How do they access their account? Scammers use phone, email and social media. Unpaid tuition fees and fake scholarships are common scams. Any other scams students should be aware of? Dating Websites Friendship Websites Discount Bookstores How do you avoid these scams? Don’t share your personal financial information unless you’re sure you know where it’s
- [Money Matters: Person to Person Payments with Taylor Harrell](https://www.southernbank.com/money-matters-person-to-person-payments-with-taylor-harrell/) - Taylor Harrell discusses the benefits of home improvement loans.
- [Money Matters: First Home Loans with Taylor Harrell](https://www.southernbank.com/money-matters-first-home-loans-with-taylor-harrell/) - Taylor Harrell discusses the benefits of home improvement loans.
- [Money Matters: Home Improvement Loans with Taylor Harrell](https://www.southernbank.com/money-matters-home-improvement-loans-with-taylor-harrell/) - Taylor Harrell discusses the benefits of home improvement loans.
- [Money Matters: Financial Planning with Steve Kocen](https://www.southernbank.com/money-matters-financial-planning-with-steve-kocen/) - A financial plan can be very helpful in creating a clear financial picture. Financial Planners help with… Insurance Long-Term and Short-Term Debt Retirement Planning Investments Where do we start? Look for a planner with experience in your area of interest. What is an “area of interest?” Someone who can help you create a plan based
- [Money Matters: Debit Cards with Taylor Harrell](https://www.southernbank.com/money-matters-debit-cards-with-taylor-harrell/) - If you think your debit card has been lost or stolen, you’ll want to deactivate it immediately. With the Southern Bank mobile app, it’s as easy as swiping your finger to disable the card and prevent any unauthorized transactions. So I don’t have to call the bank? Correct. Even if it’s a night or the
- [Money Matters: New Reality of a Home Equity Loan](https://www.southernbank.com/money-matters-new-reality-of-a-home-equity-loan/) - How are home equity loans now different from those in the past? Home rates, in general, are lower, which is a benefit, but home values have also declined, so you may be limited in how much money you can borrow. What factors should be considered when thinking about a home equity loan? Impact on Retirement
- [Money Matters: Living Within Your Means](https://www.southernbank.com/money-matters-living-within-your-means/) - Hey! Let's talk about something fundamental, like living within your means.
- [Money Matters: Overdraft Fees](https://www.southernbank.com/money-matters-overdraft-fees/) - Hey! Let's talk about how to avoid overdraft fees. Did you know that you could overdraft your account, even though you have recently made a deposit? Posting order is the sequence in which a bank processes your transactions. The transactions you make may not post to your account in the order in which you make
- [Money Matters: When to Collect Social Security](https://www.southernbank.com/money-matters-when-to-collect-social-security/) - Hey! Today, we want to talk about how to decide what age you want to start collecting social security benefits. Benefits can be collected as early as age 62 or as late as 70, though full retirement age depends on when you were born. If you choose to wait, your benefits will increase long term,
- [Money Matters: Mobile Wallets](https://www.southernbank.com/money-matters-mobile-wallets/) - Hey! Do you know about the benefits of a mobile wallet? Most smartphones today have access to a mobile wallet, which virtually stores payment card information, including credit cards, prepaid cards and checking accounts. They can be used for both in-person and online purchases. To use the wallet to pay at a store, all you
- [Money Matters: Deductibles](https://www.southernbank.com/money-matters-deductibles/) - Hey! Let's talk about insurance deductibles. In a nutshell, high deductible equals low premium, but higher risk. Low deductible equals higher premium, but less risk. So here are the details: A premium is how much you pay each month for your insurance policy, while a deductible is how much you pay before your insurance kicks
- [Money Matters: 50/30/20 Rule](https://www.southernbank.com/money-matters-50-30-20-rule/) - Hey! Do you know about the 50-30-20 rule of budgeting? This rule is an easy way to evaluate how much you should be spending on a monthly basis, by recommending that you spend 50% of income on needs, 30% on wants, and 20% on savings and debts. For example, let’s say you make $1,000 in
- [Money Matters: Emergency Savings](https://www.southernbank.com/money-matters-emergency-savings/) - Hey, are you prepared for life's little surprises? Lots of things in life are unpredictable. Experts say that you should have at least $1,000 saved for emergencies, such as when your car breaks down or your fridge stops working, as well as 3-6 months of savings for things like rent in the even of a
- [Money Matters: Kid-Friendly Financial Fundamentals](https://www.southernbank.com/money-matters-kid-friendly-financial-fundamentals/) - Trying to figure out which financial habits to focus on with your family may feel overwhelming. One way to think about such a big topic is by breaking these habits into four easy-to-understand main categories. First is understanding how money is earned in a household, a key to many financial conversations. Second is borrowing and
- [Money Matters: Credit Card Debt](https://www.southernbank.com/money-matters-credit-card-debt/) - Hey! How can a snowball help you become debt-free? If you're using credit cards to finance your way of life and not paying off the balance each month, you're probably paying a lot in interest and penalties. For instance, paying the $25 minimum on a $1,000 balance will take over four years to pay off
- [Money Matters: Mobile and Online Banking](https://www.southernbank.com/money-matters-mobile-and-online-banking/) - Mobile and online banking offer an easy and convenient way to keep an eye on your money, wherever you are.
- [Money Matters: Credit vs. Debit](https://www.southernbank.com/money-matters-credit-vs-debit/) - Hey. Do you know the difference between a credit card and a debit card?
- [Money Matters: Budget Bubbles](https://www.southernbank.com/money-matters-budget-bubbles/) - Hey! Did you know that budgeting doesn't have to be painful? Fact is, it could actually be fun! Southern Bank offers the Budget Bubble tool in online banking. It shows where your money is going and allows you to set up your own categories. Next you assign a goal for each category. Then the tool
- [Money Matters: Why Get Insurance](https://www.southernbank.com/money-matters-why-get-insurance/) - Hey! Do you ever wonder why you need insurance? You might think it's to protect your stuff, but actually it's to protect your family.
- [Money Matters: Small Changes](https://www.southernbank.com/money-matters-small-changes/) - Hey! Did you know that a cup of coffee and a bag lunch can change your life? Throughout the day, we think about the things we want: a Frappuccino from Starbucks. A new car. A trip to Hawaii. Fact is, giving up the small things can help you get the big ones. For example, packing
- [Money Matters: Four C's of Home Loans](https://www.southernbank.com/money-matters-four-cs-of-home-loans/) - Hey! Today, let's talk about the 4 C's of home loans, the factors that lenders consider before making a home loan. The 4 C’s of loan and credit are: capacity, capital, credit and collateral. Capacity is your present and future payment obligations, as well as your debt to income ratio. Capital is the value of
- [Money Matters: Secure Mobile Banking](https://www.southernbank.com/money-matters-secure-mobile-banking/) - Hey! Interested in the convenience of mobile banking, but worried about security?
- [Money Matters: Missing a Mortgage Payment](https://www.southernbank.com/money-matters-missing-a-mortgage-payment/) - Hey! If you're worried about missing a mortgage payment, here are four options to consider that will save you time and money down the road.
- [Money Matters: Taxing Social Security](https://www.southernbank.com/money-matters-taxing-social-security/) - Hey, did you know that you might have to pay income tax on your Social Security benefits?
- [Money Matters: Compounding Interest @757](https://www.southernbank.com/money-matters-compounding-interest-757/) - Learn how compounding interest lets your money work for you.
- [Money Matters: Social Security Scams @757](https://www.southernbank.com/money-matters-social-security-scams-757-2/) - Social Security scams can be a problem for anyone. There are some things we can do to protect ourselves.
- [Money Matters: Emergency Savings @757](https://www.southernbank.com/money-matters-emergency-savings-757/) - Emergency Savings will keep you prepared for the unexpected.
- [Money Matters: Credit vs. Debit @757](https://www.southernbank.com/money-matters-credit-vs-debit-757/) - Know the differences between Debit and Credit cards. I think we all need that lesson after the holidays, right?
- [Money Matters: Home Ownership @757](https://www.southernbank.com/money-matters-home-ownership-757/) - What should you know before buying a home right now?
- [Money Matters: Credit Scores @757](https://www.southernbank.com/money-matters-credit-scores-757/) - We are talking about our credit scores today. So let’s start with the basics: what is it and why is it important?
- [Money Matters: Homebuyer Readiness @757](https://www.southernbank.com/money-matters-homebuyer-readiness-757/) - Want to buy a home? How do we know if we’re financially ready or if we’re ever ready?
- [Money Matters: Savings Accounts @757](https://www.southernbank.com/money-matters-savings-accounts-757/) - Today we are going to talk about saving for the future. It’s a new year, so are saving accounts still the way to go?
- [Money Matters: Checking Accounts @757](https://www.southernbank.com/money-matters-checking-accounts-757/) - There’s a lot of ways to pay the bills these days. Is it still important to know how to use checks as an option?
- [Money Matters: Retirement 101](https://www.southernbank.com/money-matters-retirement-101/) - No matter how old you are, every day brings you closer to retirement. It’s never too soon to plan.
- [Money Matters: Social Security Protection](https://www.southernbank.com/money-matters-social-security-protection/) - Social security numbers are a common target for identity theft phishing scams. One way thieves pull this scam is by pretending to be a representative from the bank.
- [Money Matters: Compounding Interest](https://www.southernbank.com/money-matters-compounding-interest/) - Hey! Do you know how to make your money work for you, simply by using the power of time?
- [Money Matters: 529 Plans](https://www.southernbank.com/money-matters-529-plans/) - Hey! Did you know that 529 Plans can help cover your higher education costs?
- [Money Matters: Responding to Identity Theft](https://www.southernbank.com/money-matters-responding-to-identity-theft/) - Hey! If you think your identity has been stolen, here are five important steps to take...
- [Money Matters: Assessing Homebuyer Readiness](https://www.southernbank.com/money-matters-assessing-homebuyer-readiness/) - If you've weighed the pros and cons of owning a home, an important next step is to evaluate your personal and financial readiness.
- [Money Matters: Auto Loans](https://www.southernbank.com/money-matters-auto-loans/) - Hey! If you're looking at buying a new car, here are some things to know about auto loans.
- [Money Matters: How to Protect Your Identity](https://www.southernbank.com/money-matters-how-to-protect-your-identity/) - Hey! Identity theft is real. Everyone is a target. Here are four tips to help you keep your money and identity safe.
- [Money Matters: Mobile Banking Security @757](https://www.southernbank.com/money-matters-mobile-banking-security-757/) - Let’s talk mobile banking. Do you know what some of the big benefits banking on the go are?
- [Money Matters: Retirement plans @757](https://www.southernbank.com/money-matters-retirement-plans-757/) - There are a lot of options for retirement savings out there, but what are “qualified” retirement plans?
- [Money Matters: Saving for Retirement @757](https://www.southernbank.com/money-matters-saving-for-retirement-757/) - Find out when you should start saving, and how much you should be saving.
- [Money Matters: Business Financing @757](https://www.southernbank.com/money-matters-business-financing-757/) - It’s time to talk to about funding a business, and what your options are.
- [Money Matters: Business Credit Cards @757](https://www.southernbank.com/money-matters-business-credit-cards-757/) - Learn what business owners should keep in mind when they are applying for a small business credit card.
- [Money Matters: Marital Social Security @757](https://www.southernbank.com/money-matters-marital-social-security-757/) - Does your marital status actually have an impact on your Social Security benefits?
- [Money Matters: Financial Plans @757](https://www.southernbank.com/money-matters-financial-plans-757/) - Does everyone really need a customized financial plan?
- [Money Matters: Southern @Work @757](https://www.southernbank.com/money-matters-financial-plans-757-2/) - Justin Chastain explains what Southern@Work is.
- [Money Matters: Tips for Grads @757](https://www.southernbank.com/money-matters-tips-for-grads-757/) - Advice for our new grads that are going to be making the transition from a college budget to a real paycheck.
- [Money Matters: Financial Advisors @757](https://www.southernbank.com/money-matters-financial-advisors-757/) - Are financial advisors really that important? Find out with this installment of @757.
- [Money Matters: Mortgage Terms @757](https://www.southernbank.com/money-matters-mortgage-terms-757/) - Mortgages are hot right now. Understand what PMI is, and if you will be required to have it.
- [Money Matters: Savings Resolutions @757](https://www.southernbank.com/money-matters-savings-resolutions-757/) - A Savings Resolution is important. Can you stay focused?
- [Money Matters: Mortgage Lender Options @757](https://www.southernbank.com/money-matters-mortgage-lender-options-757/) - Do you know what to look for in a mortgage lender?
- [Money Matters: Renter's Insurance @757](https://www.southernbank.com/money-matters-renters-insurance-757/) - In this installment of @757, we talk about renter's insurance.
- [Money Matters: Tax Brackets @757](https://www.southernbank.com/money-matters-tax-brackets-757/) - In this installment of @757, we are looking into that exciting world of tax brackets.
- [Money Matters: Auto Loans @757](https://www.southernbank.com/money-matters-auto-loans-757/) - There are so many options when it comes to auto loans. We're ready to break it all down with the best advice.
- [Money Matters: HSA Benefits for Employees @757](https://www.southernbank.com/money-matters-hsa-benefits-for-employees-757/) - Learn why Health Savings Accounts are a great way to save on taxes.
- [Money Matters: Financial Stress & Health @757](https://www.southernbank.com/money-matters-financial-stress-health-757/) - We all know managing our finances can be super stressful, but those money problems can impact a lot more than your wallet.
- [Money Matters: Budgeting for Rent @757](https://www.southernbank.com/money-matters-budgeting-for-rent-757/) - Learn how much should we be budgeting for rent?
- [Money Matters: How Tax Brackets Work @757](https://www.southernbank.com/money-matters-how-tax-brackets-work-757/) - Learn how tax brackets affect you and your financial needs.
- [Money Matters: Tax Brackets](https://www.southernbank.com/money-matters-family-finances-2/) - For many people, a tax refund is a great once-a-year opportunity to achieve a financial goal. Do you know what your tax bracket is?
- [Money Matters: Choosing a Small Business Credit Card](https://www.southernbank.com/money-matters-choosing-a-small-business-credit-card/) - Need help deciding which small business credit card to get? Here are a few tips to get you started.
- [Money Matters: Savings Made Simple](https://www.southernbank.com/money-matters-savings-made-simple/) - Did you know that you can save money, every time you swipe your debit card?
- [Money Matters: Retirement Plan Options](https://www.southernbank.com/money-matters-retirement-plan-options/) - When you develop your strategy for retirement, one way to save for the future is with a qualified retirement plan. Here are a few of the most common types.
- [Money Matters: Business Credit Scores](https://www.southernbank.com/money-matters-business-credit-scores/) - If you’re thinking about getting a credit card for your small business, here are five key differences between your personal credit score and your business credit score.
- [Money Matters: Types of Mortgages](https://www.southernbank.com/money-matters-types-of-mortgages/) - Thinking about buying a home? Here are a few common types of home mortgages.
- [Money Matters: Business Credit Cards](https://www.southernbank.com/money-matters-business-credit-cards/) - If you’re interested in applying for a small-business credit card, here are four tips to keep in mind.
- [Money Matters: How Savings Made Simple Works](https://www.southernbank.com/money-matters-how-savings-made-simple-works/) - Did you know that Southern Bank offers an easy way to make saving automatic? Here’s how it works, in three easy steps.
- [Money Matters: Saving for Retirement](https://www.southernbank.com/money-matters-saving-for-retirement/) - Did you know that saving for retirement is as easy as 1-2-3?
- [Money Matters: Financial Stress and Your Employees](https://www.southernbank.com/money-matters-financial-stress-and-your-employees/) - Did you know that financial stress is one of the biggest impacts to employee performance?
- [Money Matters: Saving in Your 20s](https://www.southernbank.com/money-matters-saving-in-your-20s/) - If you’re in your 20s, don’t underestimate how valuable it is to start saving money for retirement now.
- [Money Matters: Types of Small Business Loans](https://www.southernbank.com/money-matters-types-of-small-business-loans/) - If your business has at least a year of history and revenue, you may qualify for a small-business loan. Here are three types of small business loans...
- [Money Matters: Marital Social Security](https://www.southernbank.com/money-matters-marital-social-security/) - Did you know your marital status can have a big impact on your social security benefits?
- [Money Matters: Pros and Cons of Home Ownership](https://www.southernbank.com/money-matters-pros-and-cons-of-home-ownership/) - If you're thinking about buying a home, here are four factors to consider.
- [Money Matters: Money Tips for New Grads](https://www.southernbank.com/money-matters-money-tips-for-new-grads/) - As you transition from living on a college budget to getting your first real paychecks, here are some tips to help you manage your income while paying down debt.
- [Money Matters: Checks](https://www.southernbank.com/money-matters-checks/) - While there are a lot of ways to pay bills these days, it's important to understand how to use checks as a payment option.
- [Money Matters: Choosing a Financial Advisor](https://www.southernbank.com/money-matters-choosing-a-financial-advisor/) - If you’re on the hunt for a financial advisor, here are some tips to keep in mind.
- [Money Matters: Southern@Work](https://www.southernbank.com/money-matters-southern-at-work/) - Did you know that stress from money management is one of the biggest causes of things like employee turnover, absenteeism, accidents, disengagement, and poor performance?
- [Money Matters: Types of Business Funding](https://www.southernbank.com/money-matters-types-of-business-funding/) - When starting your own business, one of the most important things to consider is where the funding for your business will come from.
- [Money Matters: Alternative Savings Accounts](https://www.southernbank.com/money-matters-alternative-savings-accounts/) - Thinking about saving for the future? Here are three alternatives to a traditional savings account...
- [Money Matters: Budget Anxiety @757](https://www.southernbank.com/money-matters-budget-anxiety-757/) - We talk a lot about budgeting, but this is a big one. Just what is "budget anxiety"?
- [Money Matters: Travel Insurance @757](https://www.southernbank.com/money-matters-travel-insurance-757/) - Today we're talking about something that a lot of people have questions about: Travel insurance.
- [Money Matters: Bad Money Habits @757](https://www.southernbank.com/money-matters-bad-money-habits-757/) - Tips to help you recognize that we may actually have some really bad money habits.
- [Money Matters: Basics of Investing @757](https://www.southernbank.com/money-matters-basics-of-investing-757/) - Today we're talking stocks and advice for people who are just starting to invest.
- [Money Matters: Budget Goals @757](https://www.southernbank.com/money-matters-budget-goals-757/) - Budgeting is not an easy task for most of us. Today we're talking about setting some good goals for budgets.
- [Money Matters: Financial Checklists @757](https://www.southernbank.com/money-matters-financial-checklists-757/) - Checklists are important. Especially when we are talking about your finances.
- [Money Matters: Holiday Debt @757](https://www.southernbank.com/money-matters-holiday-debt-757/) - Today we're talking about holiday debt and some tips to help you conquer it.
- [Money Matters: How to Research Stocks @757](https://www.southernbank.com/money-matters-how-to-research-stocks-757/) - Today we're discussing ways to research stocks before investing.
- [Money Matters: Tight Budget @757](https://www.southernbank.com/money-matters-tight-budget-757/) - Today we are talking about ways to save money on a tight budget.
- [Financial Wellness Network Money Matters: Compounding Interest](https://www.southernbank.com/financial-wellness-network-money-matters-compounding-interest/) - Do you know how to make your money work for you, simply by using the power of time?
- [Financial Wellness Network Money Matters: ID Theft](https://www.southernbank.com/financial-wellness-network-money-matters-id-theft/) - If you think your identity has been stolen, here are five important steps to take now.
- [Financial Wellness Network Money Matters: 50-30-20](https://www.southernbank.com/financial-wellness-network-money-matters-50-30-20/) - Do you know about the 50-30-20 rule of budgeting?
- [Financial Wellness Network Money Matters: Stress & Employees](https://www.southernbank.com/financial-wellness-network-money-matters-stress-employees/) - Did you know that financial stress is one of the biggest impacts to employee performance?
- [Financial Wellness Network Money Matters: Inflation](https://www.southernbank.com/financial-wellness-network-money-matters-inflation/) - Today we're talking about inflation. But what is inflation exactly?
- [Financial Wellness Network Money Matters: Gas Prices](https://www.southernbank.com/financial-wellness-network-money-matters-gas-prices/) - With gas prices so high, what are some tips to help save money on fuel?
- [Financial Wellness Network Money Matters: Increased Rent](https://www.southernbank.com/financial-wellness-network-money-matters-increased-rent/) - Today we're talking about what to do when your rent goes up.
- [Financial Wellness Network Money Matters: Blown Budget](https://www.southernbank.com/financial-wellness-network-money-matters-blown-budget/) - Today we're talking about what to do when your budget blows up.
- [Financial Wellness Network Money Matters: Debt Snowball](https://www.southernbank.com/financial-wellness-network-money-matters-debt-snowball/) - Today we're talking about debt and snowballs? What's that about?
- [Financial Wellness Network Money Matters: Budget Assessment](https://www.southernbank.com/financial-wellness-network-money-matters-budget-assessment/) - So, you wake up one day and realize your budget is blown. Now what?
- [Financial Wellness Network Money Matters: Credit Card Overspending](https://www.southernbank.com/financial-wellness-network-money-matters-credit-card-overspending/) - Today we're talking about how to avoid overspending on credit cards.
- [Financial Wellness Network Money Matters: Debt Avalanche](https://www.southernbank.com/financial-wellness-network-money-matters-debt-avalanche/) - Today we're talking about the debt avalanche approach to debt repayment.
- [Financial Wellness Network Money Matters: 50/30/20 Budgeting](https://www.southernbank.com/financial-wellness-network-money-matters-50-30-20-budgeting/) - Today we're talking about what to do when your budget gets out of whack and just doesn't add up.
- [Financial Wellness Network Money Matters: Employers & Stress](https://www.southernbank.com/financial-wellness-network-money-matters-employers-stress/) - Today we're talking about what to do when your budget gets out of whack and just doesn't add up.
- [Financial Wellness Network Money Matters: Consolidating Credit Card Debt](https://www.southernbank.com/financial-wellness-network-money-matters-consolidating-credit-card-debt/) - Today we're talking about credit card debt. Is it a good idea to consolidate all the cards into one debt, one payment?
- [Financial Wellness Network Money Matters: Emergency Funds](https://www.southernbank.com/financial-wellness-network-money-matters-emergency-funds/) - Today we're talking about budgets and how to survive a busted budget.
- [Financial Wellness Network Money Matters: Preparing for Recession](https://www.southernbank.com/financial-wellness-network-money-matters-preparing-for-recession/) - Today we're talking about how to prepare your finances for a recession.
- [Financial Wellness Network Money Matters: Finances After Natural Disasters](https://www.southernbank.com/financial-wellness-network-money-matters-finances-after-natural-disasters/) - today we're talking about dealing with finances after a natural disaster strikes.
- [Financial Wellness Network Money Matters: Credit Card Emergency Funds](https://www.southernbank.com/financial-wellness-network-money-matters-credit-card-emergency-funds/) - Today we're talking about whether or not it's a good idea to have a credit card available as an emergency fund.
- [Financial Wellness Network Money Matters: Retirement vs. Recession](https://www.southernbank.com/financial-wellness-network-money-matters-retirement-vs-recession/) - Today we're talking about whether or not to reduce saving for retirement in the face of a recession.
- [Financial Wellness Network Money Matters: 20s Life Insurance](https://www.southernbank.com/financial-wellness-network-money-matters-20s-life-insurance/) - Today we're talking about whether or not you should buy life insurance if you're in your 20s.
- [Financial Wellness Network Money Matters: Emergency Fund Accounts](https://www.southernbank.com/financial-wellness-network-money-matters-emergency-fund-accounts/) - Today we're talking about where to keep your emergency fund instead of a traditional savings account.
- [Financial Wellness Network Money Matters: Debt Overload](https://www.southernbank.com/financial-wellness-network-money-matters-debt-overload/) - Feel like you're drowning in debt? Let's talk about what you can do.
- [Financial Wellness Network Money Matters: Financial Reset](https://www.southernbank.com/financial-wellness-network-money-matters-financial-reset/) - Today we're talking about how to reset your finances.
- [Financial Wellness Network Money Matters: Financial Wellness 101](https://www.southernbank.com/financial-wellness-network-money-matters-financial-wellness-101/) - What does it mean to be financially well, and how do we get there?
- [Financial Wellness Network Money Matters: Building an Emergency Fund](https://www.southernbank.com/financial-wellness-network-money-matters-building-an-emergency-fund/) - Today we're talking about building an Emergency Fund and how much you may need.
- [How a Community Helped Bring Southern’s 125th Anniversary Mural to Life](https://www.southernbank.com/how-a-community-helped-bring-southerns-125th-anniversary-mural-to-life/) - On a sunny April afternoon filled with live music, fried pickles, and festival crowds, families and visitors of all ages gathered outside Southern Bank’s headquarters in downtown Mount Olive to help turn a blank wall into a colorful reflection of the community around them.For 125 years, Southern has supported local families, small businesses, and the
- [How to Protect Yourself From Summer Travel and Text Scams](https://www.southernbank.com/summer-travel-text-scams-protection/) - Learn how to identify summer travel scams and fraudulent text messages, with tips to protect your money and bank safely while traveling.
- [Southern Bank Names Paul McCombie as Regional Executive for Wilmington and Raleigh Markets](https://www.southernbank.com/southern-bank-names-paul-mccombie-as-regional-executive-for-wilmington-and-raleigh-markets/) - MOUNT OLIVE, N.C. — Southern Bank announced that Paul McCombie has accepted the role of Regional Executive, where he will lead the bank's efforts across both the Wilmington and Raleigh markets. McCombie brings nearly 40 years of banking experience to the role, including a decade of leadership in Wilmington, where he has served as Commercial
- [Cash Flow vs. Profit: What Business Owners Need to Know](https://www.southernbank.com/cash-flow-vs-profit-what-business-owners-need-to-know/) - Learn the difference between cash flow and profit, why profitable businesses can still run short on cash, and how to improve liquidity.
- [15 Years, One Partnership | East Coast Contracting & Southern Bank](https://www.southernbank.com/15-years-one-partnership-east-coast-contracting-southern-bank/) - At Southern Bank, relationships are built on more than numbers — they’re built on years of shared work, trust, and connection. For Wilmington-based East Coast Contracting, that partnership began with a handshake and has only grown stronger over the past de... […]
- [Growing With the Times: How Southern Modernizes Banking Without Losing the Personal Touch](https://www.southernbank.com/growing-with-the-times-how-southern-modernizes-banking-without-losing-the-personal-touch/) - In banking today, speed and simplicity are no longer optional. Customers expect quick answers, seamless digital tools, and fewer barriers between a question and a solution. […]
- [SOUTHERN BANCSHARES (N.C.), INC. ANNOUNCES COMMON STOCK REPURCHASE PROGRAM](https://www.southernbank.com/southern-bancshares-n-c-inc-announces-common-stock-repurchase-program-4/) - NEWS RELEASEFor Immediate ReleaseApril 1, 2026Contact: David L. Sauls, JrSouthern BancShares (N.C.), Inc.919.658.7013MOUNT OLIVE, N.C.—On January 20, 2026, the Board of Directors of Southern BancShares (N.C.), Inc. (the “Company” or “Southern”) (OTC Pink: SBNC), the holding company for Southern Bank and Trust Company, approved a new stock repurchase program. Under the terms of the repurchase program, the
- [A Tradition Worth Celebrating: Join Southern at the NC Pickle Festival](https://www.southernbank.com/a-tradition-worth-celebrating-join-southern-at-the-nc-pickle-festival/) - Digital banking tools make it easier to stay on top of your finances without visiting a branch. With features like automated savings, real-time alerts, mobile check deposit, and spending tracking, modern banking apps help people manage their money more efficiently.. […]
- [From Small Loans to Big Wins: How a Southern Bank Partnership Grew With The Capps Group](https://www.southernbank.com/from-small-loans-to-big-wins-how-a-southern-bank-partnership-grew-withthe-capps-group/) - At Southern Bank, we believe banking is personal — built on real conversations, not just transactions. Over time, these conversations grow into trust, and that trust helps small businesses thrive. We invited a few clients and bankers to share what makes these partnerships so meaningful — and we’re excited to give you a peek. Paul
- [Big Smiles and Big Futures: How Southern Bank Helps Campbell & Farrelly Dentistry](https://www.southernbank.com/big-smiles-and-big-futures-how-southern-bank-helps-campbell-farrelly-dentistry/) - A dentist office has familiar sounds: the whir of tools polishing teeth, hygienists’s voices calmly talking patients through their cleaning, the hum of an x-ray machine. One sunny afternoon at Campbell & Farrelly Dentistry, there was something new added to the mix — a warm conversation between Dr. Vanessa Campbell and Dr. Megan Farrelly, co-owners
- [A Better, Smarter Way to View Your e-Statements — Coming Nov. 16](https://www.southernbank.com/a-better-smarter-way-to-view-your-e-statements-coming-nov-16/) - We’re always looking for ways to make your Digital Banking experience smoother and more convenient. Starting Nov. 16, we’re rolling out an enhanced e-Statement viewer with new features designed to help you access your account information more easily than ever. Here’s what you can look forward to: New and Improved Landing Page: Access everything you
- [Inside the Room: How Southern Bank Connects With Businesses on Fraud Prevention](https://www.southernbank.com/inside-the-room-how-southern-bank-connects-with-businesses-on-fraud-prevention/) - At North Ridge Country Club in Raleigh, the buffet line moved slowly — not because of the food, but because of the conversation. Around the room, business owners, community partners, and Southern Bank team members caught up over plates of barbecue and sweet tea, chatting like old friends before the formal discussion even began. That’s
- [Common Consumer Fraud Schemes to Watch For](https://www.southernbank.com/common-consumer-fraud-schemes-to-watch-for/) - How to Spot & Stop Consumer Fraud in 2026 Modern fraud schemes use AI voice cloning, "quishing" (QR code scams), and urgent phishing texts to steal sensitive data. […]
- [How to Spot Invoice Fraud and Vendor Impersonation](https://www.southernbank.com/how-to-spot-invoice-fraud-and-vendor-impersonation/) - How to Spot & Stop Consumer Fraud in 2026 Modern fraud schemes use AI voice cloning, "quishing" (QR code scams), and urgent phishing texts to steal sensitive data. […]
- [How Digital Banking Tools Simplify Everyday Money Management](https://www.southernbank.com/how-digital-banking-tools-simplify-everyday-money-management/) - Digital banking tools make it easier to stay on top of your finances without visiting a branch. With features like automated savings, real-time alerts, mobile check deposit, and spending tracking, modern banking apps help people manage their money more efficiently.. […]
- [Stronger Solutions, Real Relationships | True IP Solutions & Southern Bank](https://www.southernbank.com/stronger-solutions-real-relationships-true-ip-solutions-southern-bank/) - At Southern Bank, most meaningful partnerships begin the same way — with genuine conversations that grow into trust over time. To show what that looks like day to day, we brought together clients and their bankers to talk about their journeys. What follows is a behind-the-scenes look at how those connections take shape.Inside Southern Bank’s
- [Built for the Long Term: How Southern Has Grown Without Losing the Relationship](https://www.southernbank.com/built-for-the-long-term-how-southern-has-grown-without-losing-the-relationship/) - In banking, growth can come with a tradeoff. As footprints expand and services modernize, maintaining relationships can become increasingly challenging. Decisions move further from the communities they affect. Familiar faces are replaced with call centers. And “personal” starts to feel more like a slogan than a reality.Southern Bank has taken a different approach — one
- [Top Fraud Trends Facing North Carolina Businesses in 2026 — And How to Stay Ahead](https://www.southernbank.com/top-fraud-trends-facing-north-carolina-businesses-in-2026/) - What fraud trends impacted North Carolina businesses in 2025? Learn how check fraud, BEC, and Positive Pay can help you stay ahead in 2026.
- [Building Better Backyards — and Better Banking Relationships](https://www.southernbank.com/building-better-backyards-and-better-banking-relationships/) - At Southern Bank, relationships aren’t built in a boardroom — they’re built across backyards, businesses, and communities. For Wilmington-based Backyard Specialist, that relationship started with a simple conversation and grew into something much more: a trusted partnership that supports their goals every step of the way.Inside Southern Bank’s Wilmington branch, the morning felt more like
- [SOUTHERN BANCSHARES (N.C.), INC. ANNOUNCES COMMON STOCK REPURCHASE PROGRAM](https://www.southernbank.com/southern-bancshares-n-c-inc-announces-common-stock-repurchase-program/) - Under the terms of the repurchase program, the Board of Directors approved the repurchase of up to 4,000 shares of outstanding shares of common stock.
- [SOUTHERN BANCSHARES (N.C.), INC. ANNOUNCES COMMON STOCK REPURCHASE PROGRAM](https://www.southernbank.com/southern-bancshares-n-c-inc-announces-common-stock-repurchase-program-3/) - Board of Directors of Southern BancShares (N.C.), Inc., the holding company for Southern Bank and Trust Company, approved a new stock repurchase program.
- [Southern Bank Taps New Chief Financial Officer](https://www.southernbank.com/southern-bank-taps-new-chief-financial-officer/) - Southern BancShares, Inc. promotes David Sauls, Jr. to Executive Vice President and Chief Financial Officer (CFO) for the corporation.
- [SOUTHERN BANK TAPS NEW CHIEF FINANCIAL OFFICER](https://www.southernbank.com/southern-bank-taps-new-chief-financial-officer-2/) - Sauls succeeds former CFO Dan Ellis, who retired at the end of April, 2022. The announcement was made by Southern Bank Chairman and CEO Drew Covert
- [Fraud Awareness: Protecting Yourself from IP Address Scams – Safeguarding Your Online Banking](https://www.southernbank.com/fraud-awareness-protecting-yourself-from-ip-address-scams-safeguarding-your-online-banking/) - Banking scams are evolving. Learn how criminals use your IP address to steal data and discover simple ways to safeguard your money and personal information.
- [Fraud Awareness: Check Washing Scams](https://www.southernbank.com/fraud-awareness-check-washing-scams/) - Check-washing scams are on the rise. Learn how secure mailing and simple habits can help protect you, your neighbors, and your finances from fraud.
- [Financial Wellness Network Money Matters: Dealing with a Recession](https://www.southernbank.com/financial-wellness-network-money-matters-dealing-with-a-recession/) - When times are tough, Southern Bank is here to help. Learn practical ways to manage your budget, reduce debt, and protect your finances during a recession.
- [Deepfake Media Scams](https://www.southernbank.com/deepfake-media-scams/) - Scams targeting Americans are surging. Since 2020, the FBI has received 4.2 million+ reports of fraud, that’s $50.5 billion in losses. Imposter scams in particular are on the rise in the age of artificial intelligence (AI). Criminals are using deepfakes, or media that is generated or manipulated by AI, to gain your trust and scam
- [Treasury Services That Strengthen Business Partnerships](https://www.southernbank.com/treasury-services-that-strengthen-business-partnerships/) - Managing corporate treasury is one of the most critical parts of running a business. From ensuring cash is available for payroll to protecting against fraud, your treasury strategy influences both stability and growth. But treasury management isn’t just about tools and accounts; it’s about the relationship you build with your banking partner. Southern Bank provides
- [Fraud Awareness: Gold Bar Scam Alert](https://www.southernbank.com/main-title-fraud-awareness-gold-bar-scam-alert/) - Gold Bar Scam Alert - New Version of Phantom Hacker Scam The North Carolina State Bureau of Investigation Financial Crimes Unit and Capital District Office is warning about the Gold Bar Scam, a new version of the Phantom Hacker Scam. This new scam targets the older adult population. Scammers are still posing as Federal Agents
- [Sept. 20th Shred-A-Thon event at Peggy Seegars Senior Center in Goldsboro](https://www.southernbank.com/sept-20th-shred-a-thon-event-at-peggy-seegars-senior-center-in-goldsboro/) - Protect your personal information by securely shredding your documents! Join us on Saturday, September 20th from 9AM – 12PM for our next Shred-A-Thon event at Peggy Seegars Senior Center, 2001 East Ash Street, Goldsboro, NC 27530. This event is exclusively for consumers, and excludes any plastics (such as credit cards, CDs, and binders). Each vehicle
- [Sept. 27th Shred-A-Thon event at Buffalo Brothers in Raleigh](https://www.southernbank.com/sept-27th-shred-a-thon-event-at-buffalo-brothers-in-raleigh/) - Protect your personal information by securely shredding your documents! Join us on Saturday, September 27th from 8AM – 11AM for our next Shred-A-Thon event at Buffalo Brothers, 3111 Capital Blvd. Raleigh NC 27604. This event is exclusively for consumers, and excludes any plastics (such as credit cards, CDs, and binders). Each vehicle is limited to
- [Treasury Services: A Smart Strategy for Small Businesses](https://www.southernbank.com/the-high-value-of-treasury-services/) - Discover how Southern Bank’s treasury services help small businesses manage cash flow, reduce risk, and operate with confidence.
- [Forbes Names Southern Bank “America’s Best Bank”](https://www.southernbank.com/forbes-names-southern-bank-americas-best-bank/) - Southern Bank is excited and humbled to announce that we have been named the best bank in America by Forbes. For the past 16 years, Forbes has used 11 different metrics to rank America’s Best Banks. Those criteria include growth, credit quality, profitability and stock performance. We’re happy to top a list that also honors
- [Five Ways Wealth Management Can Change Your Financial Future](https://www.southernbank.com/five-ways-wealth-management-can-change-your-financial-future/) - For many of us, thinking about our long-term financial future is intimidating. We don’t understand all the lingo, so we look the other way and put off planning. Sure, we have a goal to someday retire and even hope to leave something behind for our kids. But “investment strategies” and “estate planning” and “portfolio positioning”–
- [Small Business Banking Is No Small Thing.](https://www.southernbank.com/small-business-banking-is-no-small-thing/) - Your business may be considered “small” – but to you, everything about it is a big deal. That includes your small business's financial activity. Most big-name financial institutions today are all about catering to companies with daily deposits that resemble your quarterlies (or even your annual P&L). It’s nearly impossible to talk with a real
- [Top 10 Reasons Students Need a Checking and Savings Accounts](https://www.southernbank.com/top-10-students/) - Your years in high school are meant to set a solid foundation of learning, preparing you for your what’s next – whether it’s college, trade school, military, or the working world. However, amid the reading, writing, and arithmetic (not to mention the ever-growing breadth of cultural mandates), there is no longer education on one of
- [SOUTHERN BANCSHARES (N.C.), INC. SEEKS REGULATORY APPROVAL TO INCREASE ITS INVESTMENT IN OLD POINT FINANCIAL CORPORATION](https://www.southernbank.com/southern-bancshares-n-c-inc-seeks-regulatory-approval-to-increase-its-investment-in-old-point-financial-corporation/) - NEWS RELEASEFor Immediate ReleaseOctober 28, 2024 Contact: David L. Sauls, Jr.Southern BancShares (N.C.), Inc.919.658.7013 MOUNT OLIVE, N.C.-- Southern BancShares (N.C.), Inc. (the “Company” or “Southern”) (OTC Pink: SBNC), the holding company for Southern Bank and Trust Company, announced today that it has filed an application with the Federal Reserve Board (“FRB”) to increase its ownership interest in
- [Fraud Awareness: Mobile Banking Security](https://www.southernbank.com/fraud-awareness-mobile-banking-security/) - Banks invest heavily in measures to protect their customers and prevent systemwide cyberattacks. But is mobile banking actually secure?
- [Fraud Awareness: Romance Scams](https://www.southernbank.com/fraud-awareness-romance-scams/) - In 2022 alone, nearly 70,000 people reported falling victim to romance scams. Southern Bank can help victims navigate the complex process of reporting and recovery.
- [Southern Bank is proud to be once again rated 5-Stars by BauerFinancial Rating Agency. ](https://www.southernbank.com/southern-bank-is-proud-to-be-once-again-rated-5-stars-by-bauerfinancial-rating-agency/) - Southern Bank of Mount Olive is proud to once again be rated 5-stars by BauerFinancial.
- [Fraud Awareness: Pop-Up Scams](https://www.southernbank.com/fraud-awareness-pop-up-scams/) - Learn to safeguard against deceptive pop-ups and protect yourself from fraud.
- [Southern Bank Named Community Bank of the Year by NC Rural Center](https://www.southernbank.com/southern-bank-named-community-bank-of-the-year-by-nc-rural-center/) - Southern Bank of Mount Olive has been recognized as the Community Bank of the Year by the NC Rural Center.
- [SOUTHERN BANCSHARES (N.C.), ANNOUNCES COMMON STOCK REPURCHASE PROGRAM](https://www.southernbank.com/southern-bancshares-n-c-announces-common-stock-repurchase-program/) - NEWS RELEASE For Immediate ReleaseApril 1, 2024 Contact: David L. Sauls, JrSouthern BancShares (N.C.), Inc.(919) 658-7013 MOUNT OLIVE, N.C.—On January 16, 2024, the Board of Directors of Southern BancShares (N.C.), Inc. (the “Company” or “Southern”) (OTC Pink: SBNC), the holding company for Southern Bank and Trust Company, approved a new stock repurchase program. Under the terms of the
- [Fraud Awareness: Tax Season Scams](https://www.southernbank.com/fraud-awareness-tax-season-scams/) - As you file your taxes, be on the lookout for potential tax scams. Learn more about identifying tax scams.
- [Fraud Awareness: Ensuring the Holidays are Safe and Secure. A Guide for You, a Resolution for Us. ](https://www.southernbank.com/fraud-awareness-ensuring-the-holidays-are-safe-and-secure-a-guide-for-you-a-resolution-for-us/) - The holiday season is officially upon us -- and while it's a time of joy and celebration, it's also a prime season for fraudsters seeking to exploit unsuspecting consumers.
- [SOUTHERN BANK HOSTS GROUND-BREAKING CEREMONY](https://www.southernbank.com/southern-bank-hosts-ground-breaking-ceremony/) - NEWS RELEASE For Immediate ReleaseMay 9, 2022 Contact: John HeedenSouthern Bank(919) 658-7025 Chesapeake, VA – Citing continued growth in the Hampton Roads region, Southern Bank held a “Construction Commencement Ceremony” at 10:00am on May 3, 2022 to kick-off the construction of a new banking facility. The facility is being constructed by Balicore Construction. The announcement was
- [Financial Wellness Network Money Matters: Gray Retirement](https://www.southernbank.com/financial-wellness-network-money-matters-gray-retirement/) - Gray Retirement? What's that? Find out here...
- [Strengthening Bank Security: Southern Bank Is Embracing the #BanksNeverAskThat Campaign](https://www.southernbank.com/strengthening-bank-security-southern-bank-is-embracing-the-banksneveraskthat-campaign/) - Financial transactions are increasingly conducted online. That’s what makes safeguarding your bank account more and more crucial each and every day. Protecting your sensitive financial information is a shared responsibility we at Southern Bank take extremely seriously.
- [Financial Wellness Network Money Matters: Net Worth](https://www.southernbank.com/financial-wellness-network-money-matters-net-worth/) - What is net worth, and why should you need to know yours?
- [Financial Wellness Network Money Matters: Creating an Estate Plan](https://www.southernbank.com/financial-wellness-network-money-matters-creating-an-estate-plan/) - Do you know how to create an estate plan?
- [SOUTHERN BANCSHARES (N.C.), INC. SEEKS REGULATORY APPROVALS TO INCREASE ITS INVESTMENT IN OLD POINT FINANCIAL CORPORATION](https://www.southernbank.com/southern-bancshares-n-c-inc-seeks-regulatory-approvals-to-increase-its-investment-in-old-point-financial-corporation-2/) - NEWS RELEASE For Immediate ReleaseSeptember 15, 2023 Contact: David L. Sauls, JrSouthern BancShares (N.C.), Inc.(919) 658-7013 MOUNT OLIVE, N.C.-- Southern BancShares (N.C.), Inc. (the “Company” or “Southern”) (OTC Pink: SBNC), the holding company for Southern Bank and Trust Company, announced today that it has filed an application with the Federal Reserve Board of Richmond (“FRB”) to increase its
- [Financial Wellness Network Money Matters: Building Credit in Your 20s](https://www.southernbank.com/financial-wellness-network-money-matters-building-credit-in-your-20s/) - Today, we're talking about the importance of building credit as a young adult.
- [Fraud Awareness: Bank Fraud in 2023 – The Diverse Faces of Bank Fraud](https://www.southernbank.com/fraud-awareness-bank-fraud-in-2023-the-diverse-faces-of-bank-fraud/) - In this blog post, we explore the various types of bank fraud we’ve seen this year, shedding light on their methods, impact, and most importantly, ways to shield yourself against them.
- [Financial Wellness Network Money Matters: No vs. Bad Credit](https://www.southernbank.com/financial-wellness-network-money-matters-no-vs-bad-credit/) - Today we're talking about whether it's better to have no credit or bad credit.
- [Financial Wellness Network Money Matters: Credit Card Payoff Timeline](https://www.southernbank.com/financial-wellness-network-money-matters-credit-card-payoff-timeline/) - Is it better to pay off your credit card debt slowly or as soon as possible?
- [SOUTHERN BANCSHARES (N.C.), INC. SEEKS REGULATORY APPROVALS TO INCREASE ITS INVESTMENT IN OLD POINT FINANCIAL CORPORATION](https://www.southernbank.com/southern-bancshares-n-c-inc-seeks-regulatory-approvals-to-increase-its-investment-in-old-point-financial-corporation/) - NEWS RELEASE For Immediate ReleaseSeptember 17, 2021 Contact: David L. Sauls, Jr.Southern BancShares (N.C.), Inc.919.658.7013 MOUNT OLIVE, N.C.– Southern BancShares (N.C.), Inc. (the “Company” or “Southern”) (OTC Pink: SBNC), the holding company for Southern Bank and Trust Company, announced today that it has filed applications with the Federal Reserve Board of Richmond and the Virginia Bureau of Financial
- [SOUTHERN BANCSHARES (N.C.), INC. ANNOUNCES COMMON STOCK REPURCHASE PROGRAM](https://www.southernbank.com/southern-bancshares-n-c-inc-announces-common-stock-repurchase-program-2/) - NEWS RELEASE For Immediate ReleaseJanuary 24, 2022 Contact: David L. Sauls, Jr.Southern BancShares (N.C.), Inc.919.658.7013 MOUNT OLIVE, N.C.—On January 18, 2022, the Board of Directors of Southern BancShares (N.C.), Inc. (the “Company” or “Southern”) (OTC Pink: SBNC), the holding company for Southern Bank and Trust Company, approved a stock repurchase program. Under the terms of the repurchase program,
- [SOUTHERN BANCSHARES (N.C.), INC. ANNOUNCES COMPLETION OF $80 MILLION SUBORDINATED DEBT OFFERING](https://www.southernbank.com/southern-bancshares-n-c-inc-announces-completion-of-80-million-subordinated-debt-offering/) - NEWS RELEASE For Immediate ReleaseJune 23, 2021 Contact: Dan R. Ellis, JrSouthern BancShares (N.C.), Inc.919.658.7082 MOUNT OLIVE, N.C.–(PR NEWS WIRE)—Southern BancShares (N.C.), Inc. (the “Company”) (OTC Pink: SBNC), the holding company for Southern Bank and Trust Company (the “Bank”), announced today that it has completed the private placement of $80 million of 3.125% Fixed-to-Floating Rate Subordinated Notes due 2031 (the
- [Fraud Awareness: Tax Refund Scams](https://www.southernbank.com/fraud-awareness-tax-refund-scams/) - Learn how you can avoid tax refund scams.
- [Fraud Awareness: Tech Support Scams](https://www.southernbank.com/fraud-awareness-tech-support-scams/) - With the advancement of technology, people have become more reliant on their devices, and this has also led to an increase in the number of tech support scams. Learn what to look for and avoid.
- [Emotional Spending & Navigating Peer Pressure](https://www.southernbank.com/emotional-spending-navigating-peer-pressure/) - Managing money can be hard enough when it is just yourself. When friends and peers get involved things can get even more complicated. Everyone struggles at one point or another to balance pleasing friends and being responsible with money. How can we deal with situations that pull at both our friendships and our wallets? Here
- [Southern Bank Gets Social](https://www.southernbank.com/gets-social/) - Hey! Have you seen Southern Bank’s facebook page? They recently celebrated their 116th birthday with a video contest. Check out the results here.
- [10 Money Saving Tips](https://www.southernbank.com/moneysavingtips/) - You’ve probably heard that money doesn’t grow on trees. However, if you watch what you spend, you’ll likely see more money in your account each month. Southern Bank in Greenville, NC has 10 tips to help you keep a little extra money in your pocket for the future. 10 Ways to Save Money 1. Open
- [How to Plan for Christmas Early](https://www.southernbank.com/planning-christmas-early/) - Shopping for the holidays can be a hectic time. Begin early and be prepared for when December rolls around with the help of Southern Bank. After the holiday rush, many of us suffer from sticker shock. From ingredients for holiday meals to seemingly endless gift lists, the costs can be staggering. Whether you dip into
- [Stress Less with Holiday Tips from Southern Bank](https://www.southernbank.com/stress-less/) - It’s normal to stress out during the holidays, but Southern Bank wants to take one thing off your plate: money worries. The winter holidays will soon be here with the promise of good cheer and good times. Unfortunately, they're also ticking time bombs in terms of stress. From family issues to gift choices, the holiday
- [4 Simple Financial Fitness Activities that Parents & Students Can Do at Home](https://www.southernbank.com/4-simple-financial-fitness-activities-that-parents-students-can-do-at-home/) - With COVID-19 driving widespread closures of our nation’s schools, many parents are facing new obstacles that they hadn’t anticipated. While this looks different for everyone, many families are now challenged to deliver remote learning instruction to their children or keep kids occupied while juggling the demands of their job. As the novelty of this “new
- [Financial Education for College Students: Why It’s Important](https://www.southernbank.com/financial-education-for-college-students-why-its-important/) - When you send your student off to college, it is important that they have a good financial foundation. Financial education for college students gives them the ability to properly make important decisions based on their finances. College is often the first time that a budding adult has to make daily financial decisions, and it’s absolutely
- [Money Matters: Family Financial Conversations Between Generations](https://www.southernbank.com/money-matters-family-financial-conversations-between-generations/) - Hey! Do you know how to have the hard conversations about money with your family? Here are four topics to get your conversations started. Number 1: Where to find key documents, including bank account information, documentation of any assets or liabilities, deeds, titles, and life insurance. Number 2: Plans in case of illness. Who will
- [Redfin reached out to us to contribute to a recent article: 9 Things Lenders Wish You Knew Before Getting a Mortgage Loan](https://www.southernbank.com/redfin-getting-a-mortgage-loan/) - From finding the right real estate agent to getting a mortgage loan, it’s normal to feel a little overwhelmed. The good news is, if you’ve done your research beforehand, the process can be much less stressful.
- [Money Matters: HSA Benefits for Employers @757](https://www.southernbank.com/money-matters-hsa-benefits-for-employers-757/) - Learn how a Health Savings Account can help reduce overall health costs.
- [Money Matters: Family Finances](https://www.southernbank.com/money-matters-family-finances/) - Do you know how to have the hard conversations about money with your family? Here are four topics to get your conversations started.

## Pages

- [Home](https://www.southernbank.com/) - Grounded in Tradition. Ready for What’s Next. For more than a century, Southern Bank has helped families and small businesses across North Carolina and Virginia build stronger financial futures. We combine local decision-making with modern banking tools to support the people and businesses that drive our communities forward. At Southern, relationships come first. Our team
- [Business Money Market Accounts](https://www.southernbank.com/business/business-savings/money-market-accounts/) - Business Money Market Accounts Southern Bank offers business owners a choice in Money Market Accounts. Our accounts offer high yields and are safe while allowing your funds to remain liquid. Commercial Insured Money Market (CIMM)A traditional money market account, this account features a lower minimum deposit.Minimum opening deposit $1,000Unlimited withdrawals in person or at any
- [Southern Bank HELOC](https://www.southernbank.com/home-loans/southern-bank-heloc/) - Unlock HELOC Rates as Low as 6.24% APR* Whether you’re planning ahead or responding to the unexpected, a Southern Bank home equity line of credit (HELOC) gives you flexible access to funds backed by the value already in your home. Get Started Put Your Equity to Work At Southern Bank, we help you make the
- [Southern Consumer Digital Banking](https://www.southernbank.com/southern-consumer-digital-banking/) - A Better Digital Banking Experience Is Coming A new digital platform is on the way to make your everyday banking easier, faster, and more secure. With a refreshed look, expanded tools, and a more intuitive app, staying connected to your accounts will feel simpler, wherever life takes you. Update Your Contact Information Modern Banking for
- [Southern Business Digital Banking](https://www.southernbank.com/southern-business-digital-banking/) - A Better Business Digital Banking Experience Is Coming Southern Bank is introducing an improved digital banking platform designed to make managing your business simpler, more secure, and more connected. With a modern design, expanded tools, and an enhanced app experience, the new platform will help you manage your business with greater clarity and convenience. Update
- [Southern BancShares Officers & Board](https://www.southernbank.com/about/officers-board/) - Executive Officers of Southern Bank and Trust Company Drew M. CovertChairman and Chief Executive Officer L. Taylor HarrellPresident Jerry C. AlexanderExecutive Vice PresidentRegional Executive Michael T. BryantExecutive Vice PresidentRegional Executive Edward I. ColtrainExecutive Vice Presidentand Chief Operating Officer Trent DudleyExecutive Vice PresidentRegional Executive David L. Sauls Jr.Executive Vice Presidentand Chief Financial Officer Sondra F. McCorquodaleExecutive
- [Southern Bank – Carolina Hurricanes Foundation Partnership - Southern Bank](https://www.southernbank.com/southern-bank-carolina-hurricanes-foundation-partnership/) - Wins for Kids A Power Play For Children In Our Communities Wins for Kids Makes A Difference In the 2024-2025 hockey season, Southern Bank raised $22,950 for our communities — and we’re ready to donate even more this year. Being involved in the communities we serve is at the heart of how we do business,
- [Southern Bank - Raleigh](https://www.southernbank.com/locations/raleigh/) - Oldest New Bank in Raleigh Our expert local banking team has been right here in the Triangle for decades, helping individuals and small business owners alike forge their own path toward better finances. Get the tools, tips, and individualized assistance you need to succeed with Southern Bank. Building Relationships That Last a Lifetime Southern Bank
- [Savings Made Simple](https://www.southernbank.com/personal/saving-made-simple/) - PERSONAL SAVINGS SAVINGS MADE SIMPLE. With the Savings Made Simple program, every time you use your Southern Bank debit card, the transaction is rounded up to the nearest dollar. The “round up” amount will then be automatically transferred from the checking account attached to your debit card to your Southern Bank savings account.To get started
- [Cash Reserve](https://www.southernbank.com/personal/personal-loans/cash-reserve/) - PERSONAL BANKING Cash reserve Cash Reserve Line of Credit* In case of an emergency or accidental overdraft, use your Cash Reserve Line of Credit* to write yourself a loan anytime, anywhere.Automatic line of credit built right into your checking account.Write a check or use a special Cash Reserve check in the amount needed to get
- [Personal Financial Wellness](https://www.southernbank.com/personal-financial-wellness/) - PERSONAL FINANCIAL WELLNESS YOU'VE GOT THIS. and we're here to help. Like your physical health, financial wellness is a journey. No matter your starting point, the goal is to keep moving in the direction of “better”—taking one step at a time. Southern Bank is here to prepare and equip you. We have the information, video
- [Wealth Management Services](https://www.southernbank.com/investing/products-services/) - Wealth Management Services Financial planning, retirement, estate planning, and investments — it can all be so overwhelming. We will help you define your goals for the future and gain a confident understanding of the available investment tools to make them a reality.Our experienced and approachable financial advisors will work with you to create a plan
- [Home Loans for Professionals](https://www.southernbank.com/home-loans/for-professionals/) - HOME LOANS For Professionals You’ve earned your professional status. We think your mortgage should exceed the status quo. Professionally speaking, this may be the best mortgage in its class. In fact, it starts out great and then gets better. If you’re a CPA, CFP, Attorney, Engineer (PE), Chiropractor, Architect, or Collegiate Athletic Director or Head
- [Home Loans for Educators, First Responders, & Healthcare Professionals](https://www.southernbank.com/home-loans/for-heroes/) - HOME LOANS FOR HEROES you're on the front lines in our community. We go to battle for you. If you’re a First Responder, Educator, or Healthcare Professional, thank you. You’re in our communities every day, rescuing those in need and building a foundation in mind and body for a solid future. Whether you’re active or
- [Business Financial Wellness](https://www.southernbank.com/business-financial-wellness/) - SOUTHERN@WORK BETTER BENEFITS. HAPPIER EMPLOYEES. STRONGER BUSINESS. 8 in 10 employers believe that financial wellness programs deliver more loyal and satisfied employees.* *https://www.vantagecircle.com/en/blog/employee-retention-strategies/ Enhance Your Total Rewards Strategy with Southern@Work Did you know that money worries are the #1 cause of employee absenteeism and illness? This contributes to low productivity, workplace accidents, and distraction. Southern@Work
- [Southern BancShares Financial Reports](https://www.southernbank.com/about/financial-reports/) - Southern BancShares Financial Reports for Southern Bank and Trust Company
- [Home Team Advisors](https://www.southernbank.com/home-loans/home-team-advisors/) - Home Team Advisors Andria Dobsonandria.dobson@southernbank.comNMLS #2098983M: 252-904-0267O: 252-355-6189 ext 1302Winterville, NC 28590,Greenville NC 27858 More about Andria Alan Eftingalan.efting@southernbank.comNMLS #93046M: 910-232-0253O: 910-679-74206752 Rockspring Road, Suite 100,Wilmington NC 28405 More about Alan Christina Fulcherchristina.fulcher@southernbank.comNMLS #1250382M: 252-422-7766210 Hwy 24Morehead City, NC 28557 More about Christina Wendy Gallwendy.gall@southernbank.comNMLS #1310512M: 252-334-1619O: 252-334-16191875 West City DriveElizabeth City NC 27909 More
- [Home](https://www.southernbank.com/home-old/) - Southern Bank is your trusted financial partner in North Carolina and Virginia. Student, Personal, and Business checking, savings, and mortgages with a southern flair.
- [Digital Banking](https://www.southernbank.com/digitalbanking/) - Get set up in minutes, and start banking your way. We make online banking a snap from anywhere.
- [125th](https://www.southernbank.com/125th/) - A Landmark Moment, Rooted in Community. For 125 years, Southern has stood beside our neighbors — strengthening communities, supporting families and small businesses, and building toward a future we’re proud to share with you. Open an Account A Landmark Moment, Rooted in Community For 125 years, Southern has stood beside our neighbors — strengthening communities,
- [Loan Products](https://www.southernbank.com/home-loans/loan-products/) - Loan Products If you are thinking of buying a home, we have good news. Whether you’re buying your first home, your dream home, or your retirement home, Southern Bank has financing options to meet your needs. All Southern Bank loan and credit services are Subject to credit approval. Here is a sampling of the choices you have
- [Home Loans](https://www.southernbank.com/home-loans/) - There’s no place like home. Whether you’re looking to buy, build, or refinance, you don’t have to go it alone. Our loan experts at Southern Bank will help determine the best path forward for your unique situation — and we’ll walk with you every step of the way. Explore the various loan options available to
- [Equity Loan](https://www.southernbank.com/home-loans/equity-loan/) - Unlock the potential of your home with a Home Equity Line of Credit. Transform your home’s equity into a resource for life’s big moments from funding higher education to making home improvements to consolidating debt. With our HELOC, you’re not just borrowing; you’re investing in the future of your family and the comfort of your
- [GrowthRewardsBenefits](https://www.southernbank.com/growthrewardsbenefits/) - Your Guide to Benefit describes the benefit in effect as of 10/19/2026. Benefit information in this guide replaces any prior benefit information You may have received. Please read and retain for Your records. Your eligibility is determined by Your financial institution. Visa Business CardTravel and Emergency Assistance ServicesEmergencies can escalate quickly when You are traveling
- [Southern Bank Senior Management Team](https://www.southernbank.com/about/senior-management-team/) - Southern Bank Senior Management Team Drew M. CovertBoard Chairman and Chief Executive Officer L. Taylor HarrellPresident Jerry C. AlexanderExecutive Vice PresidentRegional Executive Michael T. BryantExecutive Vice PresidentRegional Executive Edward I. ColtrainExecutive Vice Presidentand Chief Operating Officer W. Trent DudleyExecutive Vice PresidentRegional Executive Paul McCombieSenior Vice PresidentRegional Executive Sondra F. McCorquodaleExecutive Vice Presidentand Chief Digital Officer
- [FAQs](https://www.southernbank.com/home-loans/faqs/) - Home Loan FAQs Can I qualify for a loan before choosing a property? Can I qualify for a loan before choosing a property?Yes- Pre-qualified means that you have discussed your income and debts with one of our loan officers, who has determined a loan amount for which you may be approved. Pre-Qualification is not a
- [Personal Checking](https://www.southernbank.com/personal/personal-checking/) - Gold Checking to E-Checking, find the perfect account for your lifestyle. Compare personal checking options and get features like ID theft protection.
- [Southern Bank Business](https://www.southernbank.com/business-pillar/) - Grow your business with personalized business checking, flexible commercial loans, and advanced treasury services with community expertise.
- [Branch & ATM Locations](https://www.southernbank.com/locations/) - With more than 60 offices throughout North Carolina and Virginia, we're sure to have a branch or ATM conveniently near you.
- [Southern Bank - Richmond](https://www.southernbank.com/locations/richmond/) - Putting Down Roots In Richmond Visit Southern Bank in Richmond today and get the tools, tips, and individualized financial assistance you need to succeed. Building Relationships That Last A Lifetime Southern Bank offers the sophistication and amenities you’ve come to expect of a modern banking experience without losing that local touch. Our focus is on
- [Southern Bank - Chesapeake – Volvo](https://www.southernbank.com/locations/chesapeake-volvo/) - Southern Bank in Chesapeake, VA Greenbrier offers personal and business banking. Visit 617 Volvo Parkway or call 757.436.0192. On-site ATM available.
- [Southern Bank - Ayden](https://www.southernbank.com/locations/ayden/) - Southern Bank in Ayden, NC offers personal and business banking on 3rd St. Visit 236 3rd Street or call 252.746.6138. On-site ATM available.
- [Southern Bank - Belhaven](https://www.southernbank.com/locations/belhaven/) - Southern Bank in Belhaven, NC offers personal and business banking on Main St. Visit 148 E. Main Street or call 252.943.2184. On-site ATM available.
- [Southern Bank - Ahoskie](https://www.southernbank.com/locations/ahoskie/) - Southern Bank in Ahoskie, NC offers personal and business banking on Main St. Visit 506 E. Main Street or call 252.332.5149. On-site ATM available.
- [Checks](https://www.southernbank.com/checks/) - Southern Bank Checks. Text………. body text Specialty Gray body text Order Here Antique body text Order Here Antique Watercolors body text Order Here NOVA® body text Order Here Safety Paper Blue body text Order Here
- [SHAREHOLDERS/STOCKHOLDERS OF SOUTHERN BANCSHARES (N.C.), INC.](https://www.southernbank.com/about/southern-bancshares/faqs/) - SHAREHOLDERS/STOCKHOLDERS OF SOUTHERN BANCSHARES (N.C.), INC. FAQ Effective August 1, 2016, Issuer Direct (Direct Transfer, LLC) is the transfer agent for Southern Bancshares. Southern BancShares common stock is occasionally traded “over the counter” and trades under the symbol SBNC. The best way to purchase shares of BancShares stock is through an individually negotiated transaction with
- [Southern Wealth Management](https://www.southernbank.com/wealth-pillar/) - Helping you plan for the future with confidence You’re not a number to us — you’re someone with unique needs who deserves the personalized support of a team dedicated to your success. For 125 years, Southern Bank has helped families like yours plan, protect, and grow their financial legacies — and our wealth advisors bring
- [Personal Pillar](https://www.southernbank.com/personal-pillar/) - Welcome to the bank that takes your finances personally. At Southern Bank, we’re proud that your home is our home, too. As a trusted financial partner for 125 years, we have the local experience to understand your unique needs, backed by the forward-looking products to drive your success. Products that fit. People who care. If
- [Credit & Debit Cards](https://www.southernbank.com/personal/credit-debit-cards/) - VISA® CARDS TAP, INSERT, OR SWIPE WITH PEACE OF MIND. With your Visa® check card from Southern Bank, you can securely pay for goods and services wherever Visa is accepted by just tapping or swiping your card. Use your card to get cash at any Southern Bank ATM in North Carolina and Virginia or at
- [Visa Credit Card](https://www.southernbank.com/business/visa-credit-card/) - Business moves quickly these days and our Visa® Business Check Card is ready when you need it for cash or purchases. It is also more secure than ever!
- [Southern Wealth Management Team](https://www.southernbank.com/investing/sis-representatives/) - Our goal is to help our clients comprehensively address all of their financial needs. Southern Wealth Management's team of experienced Financial Advisors will bring their skills together with your investment objectives.
- [Southern Bank - Middlesex](https://www.southernbank.com/locations/middlesex/) - Visit our Middlesex, NC location at 11438 E. Finch Avenue or call 1.252.235.3144 for immediate assistance. ATM On Site.
- [List of Branch & ATM Locations](https://www.southernbank.com/locations-list/) - List of Branch & ATM Locations With 55 offices throughout North Carolina and Virginia, we’re sure to have a branch or ATM conveniently near you. Use the list below or view our locations on an interactive map.++ Lobby closed for lunch hours, call branch for details. Ahoskie 506 E. Main StreetAhoskie, NC 27910252.332.5149ATM on Site
- [Southern Retail Onboarding Hub](https://www.southernbank.com/southern-retail-onboarding-hub/) - Your New Southern Account Is Just the Beginning At Southern Bank, we take your finances personally. These resources will help you set up your new account and start seamlessly managing your money. If you have any questions or need guidance on what’s next, we’re always here to help. Contact Us Banking That Grows With You Whether you’re
- [Southern Bank - Kinston](https://www.southernbank.com/locations/southern-bank-kinston/) - Kinston’s New Bank Is Built On Community Southern Bank’s team of expert local bankers will give you personalized financial guidance and the digital tools you need to manage your money wisely. Building Relationships That Last A Lifetime Southern Bank offers the sophistication and amenities you’ve come to expect of a modern banking experience without losing
- [About Southern Bancshares](https://www.southernbank.com/about/southern-bancshares/) - ABOUT US ABOUT SOUTHERN BANCSHARES Southern BancShares (N.C.), Inc., is the holding company for Southern Bank and Trust Company, which operates more than 55 branches in North Carolina and Virginia. The bank offers financial products and services, including commercial loans, mortgage loans, checking, savings, Individual Retirement Accounts (IRAs), and Certificate of Deposit Accounts (CDs). The
- [Contact Us](https://www.southernbank.com/about/contact/) - CONTACT US REACH OUT TO US TODAY. Whether you’re already a Southern Bank customer and need help, or you’d like to learn more about the services we offer, we’d love to hear from you. Simply call us at 1.855.275.7226, stop by a branch, or fill out a form and we’ll be in touch soon! Reach out
- [Our History](https://www.southernbank.com/about/our-story/) - OUR STORY ROOTED IN THE COMMUNITY SINCE 1901. Southern Bank is a community bank — always has been, always will be. Established in 1901, we’ve remained dedicated to serving our customers with the small-town attention they deserve while offering the most innovative and convenient banking technologies available. Like the communities we serve throughout Eastern North Carolina
- [Introducing Southern@Work](https://www.southernbank.com/getstartedatwork/) - Build financial confidence with Southern@Work. For most of us, today’s financial stress levels seem heavier than ever, creating stress, distraction, and worry. In partnership with Southern Bank, your employer is now offering Southern@Work, a comprehensive program to help you better manage your money and follow a path to financial wellness.Southern@Work is a free benefits program
- [SouthernU Student Banking](https://www.southernbank.com/personal/student-banking/) - SouthernU™ STUDENT BANKING designed especially for YOU, the leaders of tomorrow. The future is bright, and we want to be with you every step of the way. SouthernU™ provides financial wellness, education, counsel, and tools to foster financial management during school and beyond. You’ll find video learning modules, assistance in navigating student debt, and budgeting tools
- [Financial Wellness](https://www.southernbank.com/financial-wellness/) - Grow your knowledge – and your confidence. Achieving financial wellness can feel like overcoming a mountain – but both are achieved one step at a time. We’re here to help guide you on the path to financial wellness. No matter your current financial situation, we have the tools and information to help you conquer the
- [Money Manager Resources](https://www.southernbank.com/money-manager/) - Welcome to Personalized Financial Insights To access your Money Manager Dashboard, log in to your Online Banking account, then select My Dashboard under the Tools Tab. Log in to Online Banking Visit any Southern Bank to open an account today.
- [Southern Bank - New Bern](https://www.southernbank.com/locations/new-bern/) - New Bern’s Newest Bank Visit Southern Bank in New Bern and experience community banking as it should be. Building Relationships That Last A Lifetime Southern Bank offers the sophistication and amenities you’ve come to expect of a modern banking experience without losing that local touch. Our focus is on forming a relationship built on trust,
- [Southern Bank – Hampton Roads ](https://www.southernbank.com/locations/southern-bank-hampton-roads/) - Rooted in Hampton Roads. Built for You. Southern Bank’s team of expert local bankers offers personalized financial guidance and the digital tools you need to manage your money wisely in Hampton Roads. Building Relationships That Last a Lifetime Southern Bank offers the sophistication and amenities of a modern banking experience, without losing that local touch.
- [Southern Bank - Virginia Beach](https://www.southernbank.com/locations/southern-bank-virginia-beach/) - Here for Virginia Beach. Ready for What’s Next. Southern Bank has been helping individuals and small business owners secure their financial futures for over a century. Visit one of our convenient Virginia Beach branches today and work with local experts to develop a plan that fits your needs. Building Relationships That Last a Lifetime Southern
- [Southern Twin Counties](https://www.southernbank.com/locations/southern-twin-counties/) - The Twin Counties Trust Southern Bank Our expert local banking team is here to help you make the most of every dollar. Whether you’re looking for ways to enhance your saving strategies, grow your business, or protect your hard-earned wealth, Southern Bank has the solutions to help. Building Relationships That Last a Lifetime Southern Bank
- [Bazing](https://www.southernbank.com/personal/bazing/) - BaZing Banking Benefits Discounts right on your phone, right where you are! The free mobile app has discounts near you, plus thousands of local deals across the U.S.To access or download the BaZing® App, click the button below for your device. iPhone Users Android Users
- [Wilmington - Southern Bank](https://www.southernbank.com/locations/southern-bank-wilmington/) - Wilmington Banking, the Southern Way. Southern Bank offers personalized service, modern tools, and deep local knowledge to help Wilmington families, professionals, and small businesses manage their money with confidence. Banking Built on Relationships We believe the best banking relationships have a foundation of trust and a true understanding of the people we serve. At Southern
- [Treasury and Merchant Services](https://www.southernbank.com/treasury-and-merchant-services/) - Power Your Payments. Protect Your Cash Flow. Southern Bank helps businesses like yours move money, accept payments, and protect cash flow — all with our signature hands-on service and regional expertise. Get Started Scalable Solutions for Modern Businesses As your business grows, Southern grows with you. That’s why we offer top-tier solutions and localized guidance
- [Hampton Roads](https://www.southernbank.com/locations/hampton-roads/) - Visit one of our Hampton Roads locations or call 1.855.275.7226 for immediate assistance.
- [Merchant Services](https://www.southernbank.com/business/treasury-services/merchant-services/) - MERCHANT SERVICES Stronger payment Solutions for your business. You work hard running your business, and that means efficiency is the name of the game. But too many payment platforms can be complicated and expensive. Your business needs a seamless and affordable way to process card payments from your customers so you can stay focused on
- [Business](https://www.southernbank.com/business/) - Let's get down to business. While you focus on expanding your business, we will focus on maximizing your assets and reducing your service fees.
- [Business Checking](https://www.southernbank.com/business/business-checking/) - Southern Bank's Business Banking has options for businesses of all sizes. Learn more here.
- [About Us](https://www.southernbank.com/about/) - Genuine concern for the customer is our top priority as we strive to create and deliver superior value in the financial services we provide.
- [Zelle](https://www.southernbank.com/zelle/) - Send Money in theMoment with Zelle® Introducing Zelle — a fast, safe and easy way to send money in minutes1 to friends, family and others you trust, right from the Southern Bank mobile app. Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in
- [Zelle® Small Business Product Overview](https://www.southernbank.com/zellesmallbusiness/) - Log into the Southern Bank BusinessPro app. In the main menu, select "Send money with Zelle®". Enroll your email address or U.S. mobile number. You’re ready to start sending and receiving money with Zelle®. Next time you need to be paid, ask for Zelle®! Frequently Asked Questions How do I use Zelle® with a small
- [New Construction Loans](https://www.southernbank.com/home-loans/new-construction-loans/) - NEW CONSTRUCTION LOAN LET'S BUILD SOMETHING TOGETHER. That piece of land may be just a blank canvas now, but you have a clear vision for your next home, vacation getaway, or investment property. We help you make it a reality. Our New Construction Loans do it all – kind of like a Swiss Army knife
- [Home Loan Center](https://www.southernbank.com/home-loans/loan-center/) - HOME LOAN CENTER Boost Your Homebuying Confidence Homeownership has always been a huge part of the American dream — and we want to help you make this a reality. Check out these resources from us and our trusted partners to get more informed, find the tools you need, and start the home loan process. Plus,
- [Renovation and Remodeling Loans](https://www.southernbank.com/home-loans/renovation-loan/) - RENOVATION LOANS EMBRACE YOUR INNER DIY. Transforming your kitchen to everything you’ve dreamed of isn’t going to happen in 30 minutes — or a week. Leave that to the highly edited “reality” TV shows. In real life, a major renovation or even modest remodeling can be complex and time-consuming. The good news is that financing your
- [Home Loans for Medical Professionals](https://www.southernbank.com/home-loans/for-medical-professionals/) - HOME LOANS FOR MEDICAL PROFESSIONALS A MORTGAGE WITH HEALTH BENEFITS As a Health Professional, you’re focused every day on the well-being of others, helping them achieve optimal strength and vitality. At Southern Bank, we’re looking out for your financial wellness, offering a prescription for the perfect mortgage.* Up to 100% financing for primary residence Up
- [USDA Government Backed Mortgages](https://www.southernbank.com/home-loans/usda/) - HOME LOANS USDA Government-backed mortgages If you have your heart set on a home outside the rush and crowds of city life, there are government loan programs that can help make your dream a reality. The United States Department of Agriculture (USDA) Rural Development’s housing programs are geared to individuals and families looking to purchase
- [NC Housing](https://www.southernbank.com/home-loans/nc-housing/) - HOME LOANS NC Home Advantage program The North Carolina Housing Finance Agency is dedicated to helping North Carolinians obtain affordable access to home ownership. If you’re a first-time or move-up buyer, this program is designed to simplify the homebuying process and make your dream of homeownership a reality. We are here to help you determine if this
- [Affordable Housing Programs](https://www.southernbank.com/home-loans/affordable-housing-programs/) - AFFORDABLE HOUSING PROGRAM WE'VE GOT YOU.and YOU'VE GOT THIS. The world of home loans can be overwhelming and intimidating – especially for a first-time homebuyer. Our kind and compassionate mortgage advisors at Southern Bank are here to walk with you every step of the way. We’ll explain the meaning behind terms like variable rate, adjustable
- [Veterans Affairs Home Loans](https://www.southernbank.com/home-loans/va-loans/) - VETERANS AFFAIRS HOME LOANS WE'RE PROUD TO SERVE YOU. To all veterans and active-duty military personnel — thank you for serving our nation. Because of your sacrifice, we have freedom. In gratitude for your dedication and hard work, we are privileged to serve you well in the pursuit of home ownership. The process of buying a
- [Make a Mortgage Payment](https://www.southernbank.com/home-loans/mortgage-payment/) - HOME LOANS Progress on your mortgage We make it easy to make your monthly mortgage payment – in whatever way is most convenient for you. Choose the payment option that works best with your budget process to keep your account current and on track. If you have questions, need information, or feel an error has occurred
- [First Time Homebuyer Loans](https://www.southernbank.com/home-loans/first-time-homebuyer-loans/) - FIRST-TIME HOMEBUYER HOMEBUYING WITHOUT INTIMIDATION. Sure, you’re a rookie homebuyer. Count on us to bring expertise, experience, and a winning history to your team – all to boost your confidence. This is a truly exciting time for you and your family and shouldn’t be scary or confusing. We’ll walk with you every step along the
- [Southern Business Network](https://www.southernbank.com/southern-business-network/) - SOUTHERN BANK SOUTHERN BUSINESS NETWORK As a Community Bank, We're Big on Local Business. No matter the size of your business, we are in your corner. With us, you’re not just a number. It’s personal. We consider your vision and local market factors to customize solutions for your business banking needs. And because we’re rooted
- [Branch Services](https://www.southernbank.com/personal/branch-services/) - BRANCH SERVICES Come on BY. WE'RE HERE TO SERVE. Online shopping, self-checkout, automated customer service, even digital banking can all be very convenient. Sometimes, though, a real live person giving you one-to-one service is just better. At Southern Bank, our branch staff delivers friendly service and a personalized experience you can count on. Life is busy
- [Careers](https://www.southernbank.com/careers/) - Southern Bank is truly unique, and our vision is quite simple, deliver a distinctive banking experience with unsurpassed dedication.
- [Personal Savings Accounts](https://www.southernbank.com/personal/savings/) - PERSONAL SAVINGS INVEST IN WHAT'S NEXT. Let’s face it: Life happens. And when you face an unexpected emergency, it’s vital to have accessible savings to soften the blow. Plus, intentional savings will get you on a solid path to make your short-term and long-term plans a reality. So, whether you’re creating a rainy-day fund or
- [Personal Loans](https://www.southernbank.com/personal/personal-loans/) - PERSONAL LOANS empower your dreams. When you need to borrow money, whether for a new-to-you vehicle, home renovations, an unexpected expense, or any other reason, we are here to help. With flexible borrowing limits and terms, we’ll find a secured or unsecured loan program* that fits your specific needs. The process is simple and convenient,
- [Personal Banking](https://www.southernbank.com/personal/) - We meet you where you are – and help you get where you're going. No matter your age or stage in life, we come alongside to help you reach your financial goals. With access to friendly branch services, intuitive technologies, and easy-to-use financial tools, you’ll walk toward tomorrow with confidence. OPEN AN ACCOUNT Checking In
- [Treasury Services](https://www.southernbank.com/business/treasury-services/) - Southern Bank Treasury Services systems will help you stay on top of your business with minimal effort and maximum security.
- [Business Savings](https://www.southernbank.com/business/business-savings/) - BUSINESS SAVINGS Set a solid foundation to Prosper. No matter the size of your business, we’re with you on your road to success. As part of your business community, we understand the importance of financial stability as you strive to grow your customer reach — and your bottom line. We have several business savings account
- [BusinessPro Online and Mobile Banking](https://www.southernbank.com/business/businesspro-digital-banking/) - BUSINESS MOBILE BANKING Anywhere banking foreverywhere business. Secure, convenient business banking – both in the office and on the go with the Southern Bank BusinessPro™ Mobile App. LOG IN TO SOUTHERN BUSINESSPRO With Southern BusinessPro from Southern Bank, we’ve put together online and mobile tools to make it easier for you to do business with us. Enjoy
- [Business Loans](https://www.southernbank.com/business/business-loans/) - Whether your business is a start-up, a farming operation, or a national franchise, chances are you need cash.
- [Community Investment](https://www.southernbank.com/about/cra/) - Southern Bank is dedicated to the communities we serve, both in spirit and support. We encourage and reward employees for the investment of their time, energy, and talents to the betterment of their communities.
- [Grounded In Tradition - Ready For What’s Next](https://www.southernbank.com/townhall25/) - Grounded In Tradition. Ready For What’s Next. Since our founding, Southern Bank has been focused on building relationships with the people, businesses and communities we serve. We believe that staying true to our traditions and our values gives us a strong foundation, and allows us to lead with confidence. We believe that banking should be
- [Business Login](https://www.southernbank.com/business/business-login/) - Welcome to our new business online banking experience. Please select the correct login for your business account below. Southern BusinessPro For businesses that have Online and Mobile Banking services as well as our robust Treasury Management services such as payroll, ACH, and fraud protection. Small Business Banking For growing small and midsized businesses that have
- [Information About Online Fraud Alert for Consumers](https://www.southernbank.com/identity-theft-and-scam-alerts/alertspob/) - Information About Online Fraud Alert for Consumers For more than 100 years, protecting your confidential information has been one of our highest priorities at Southern Bank. That’s why we have state-of-the-art security technology in place to protect your personal and financial information. Unfortunately, criminal activity and fraud are on the rise everywhere. Our protection technology
- [Special online fraud alerts for businesses](https://www.southernbank.com/identity-theft-and-scam-alerts/alertsbob/) - Special online fraud alerts for businesses Protecting your confidential account information is one of our highest priorities at Southern Bank. That’s why we want you to know about a new type of online fraud that is impacting people and businesses worldwide. Southern Bank has state-of-the-art internet security technology in place to protect your confidential personal
- [Everfi Options](https://www.southernbank.com/everfi-options/) - Get Started with Financial Foundations Checking Accounts Learn about the features, benefits, and functions of checking accounts. Car Loans Explore different ways to buy a car and the steps you can take to apply for a car loan. Preventing Overdraft Fees Learn about why overdraft fees occur and how they can be avoided. Explore Additional
- [Agriculture Loans](https://www.southernbank.com/business/business-loans/agriculture-loans/) - Agriculture Loans Whether yours is a small farm or large farming operation, chances are you need cash. We provide loans for operations, expansion, credit lines, leasing, and much more. We view each operation individually and custom design a loan program that meets your needs.Operating line of creditReplace obsolete equipment or add new equipmentPurchase farm real
- [Accessibility Statement](https://www.southernbank.com/legal/accessibility-statement/) - Accessibility Statement Southern Bank believes that the internet should be available and accessible to anyone, and we are committed to providing a website that is accessible to the broadest possible audience, regardless of ability.To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines
- [Accounts Overview](https://www.southernbank.com/accounts-overview/) - Not sure which Southern Bank account option is best for you? Take a look at our comparison chart below to review benefits and differences between accounts. Still not sure which options are right for you? Let’s talk! PERSONAL BUSINESS LOANS Gold Checking We’ve set the gold standard for personal checking accounts. You’ll enjoy exceptional features
- [Wilmington](https://www.southernbank.com/locations/wilmington/) - Visit one of our Wilmington, NC locations or call 1.855.275.7226 for immediate assistance.
- [Southern Bank - Rocky Mount](https://www.southernbank.com/locations/rocky-mount/) - Visit our Rocky Mount, NC location at 230 Sunset Avenue or call 1.252.977.2825 for immediate assistance. ATM On Site.
- [Outer Banks](https://www.southernbank.com/locations/outer-banks/) - Visit one of our Outer Banks locations or call 1.855.275.7226 for immediate assistance.
- [Greenville](https://www.southernbank.com/locations/greenville/) - Visit one of our Greenville locations or call 1.855.275.7226 for immediate assistance.
- [Goldsboro](https://www.southernbank.com/locations/goldsboro/) - Visit one of our Goldsboro locations or call 1.855.275.7226 for immediate assistance.
- [RSVP Southern Bank Christmas Party](https://www.southernbank.com/rsvp/) - RSVP to the Southern Bank Christmas Party Please RSVP by 12/2 Notice: JavaScript is required for this content.
- [Wilson](https://www.southernbank.com/locations/wilson/) - Visit one of our Wilson, NC locations or call 1.855.275.7226 for immediate assistance.
- [Agricultural Business Checking](https://www.southernbank.com/business/business-checking/agricultural-business-checking/) - Solutions for GrowersYou’re in the business of growingWe’re in the business of helping you grow your business. Not to brag, but we are outstanding in our field and we’ve been working in the fields since 1901. We know the challenges and risks of farming and we partner with our farmers, come rain or shine. So,
- [Welcome to your new Southern Bank Account](https://www.southernbank.com/personal/welcome-2/) - Welcome toSouthern Bank! We hope this is the beginning of a long-lasting relationship and that you’ll depend on us to meet all your financial needs. STEP 1 Tab Title 2 Tab Title 3 *Before you can log in to our mobile app, you will need to set up Online Banking and create a personal Online
- [StudentU™ Study Hall](https://www.southernbank.com/personal/studentu-study-hall/) - SouthernU™ Study Hall SouthernU™ isn’t just a checking and savings experience – it’s all about getting you ready for the complex set of financial decisions that you’ll be facing over the next decade! It’s about understanding financial basics and being well-informed to make wise choices when a fork in the road presents itself. Whether it
- [Southern Banks - Winterville](https://www.southernbank.com/locations/winterville/) - Visit our Winterville, NC location at 4259 Winterville Parkway or call 1.252.355.6189 for immediate assistance. ATM On Site.
- [Southern Bank - Windsor](https://www.southernbank.com/locations/windsor/) - Visit our Windsor, NC location at 101 N. King Street or call 1.252.794.3011 for immediate assistance. ATM On Site.
- [Southern Bank - Wilson – Nash](https://www.southernbank.com/locations/wilson-nash/) - Visit our Wilson, NC location at 2300 Nash Street N. or call 1.252.306.5500 for immediate assistance. ATM On Site.
- [Southern Bank - Warsaw](https://www.southernbank.com/locations/warsaw/) - Visit our Warsaw, NC location at 114 N. Pine Street or call 1.910.293.7176 for immediate assistance. ATM On Site.
- [Southern Bank – Virginia Peninsula](https://www.southernbank.com/locations/virginia-peninsula/) - Visit our Virginia, VA location at 11832 Rock Landing Drive, Suite 104 or call 1.757.446.9478 for immediate assistance.
- [Southern Bank - Virginia Beach Boulevard](https://www.southernbank.com/locations/virginia-beach-boulevard/) - Visit our Virginia Beach, VA location at 3720 Virginia Beach Boulevard or call 1.757.446.6970 for immediate assistance. ATM On Site.
- [Southern Bank - Virginia Beach – Lynnhaven Parkway](https://www.southernbank.com/locations/virginia-beach-lynnhaven/) - Visit our Virginia Beach, VA location at 601 Lynnhaven Parkway or call 1.757.648.1690 for immediate assistance. ATM On Site.
- [Southern Bank - Virginia Beach – Laskin Road](https://www.southernbank.com/locations/virginia-beach-laskin-road/) - Visit our Virginia Beach, VA location at 1756 Laskin Road or call 1.757.648.1670 for immediate assistance. ATM On Site.
- [Southern Bank - Tarboro](https://www.southernbank.com/locations/tarboro/) - Visit our Tarboro, NC location at 422 Main Street or call 1.252.823.2184 for immediate assistance.
- [Southern Bank - Suffolk](https://www.southernbank.com/locations/suffolk/) - Visit our Suffolk, VA location at 221 Western Avenue or call 1.757.923.4868 for immediate assistance. ATM On Site.
- [Southern Bank - Salemburg](https://www.southernbank.com/locations/salemburg/) - Visit our Salemburg, NC location at 102 N. Main Street or call 1.910.525.4149 for immediate assistance. ATM On Site.
- [Southern Bank - Rocky Mount – Westridge](https://www.southernbank.com/locations/rocky-mount-westridge/) - Visit our Rocky Mount, NC location at 3690 Sunset Avenue or call 1.252.443.7800 for immediate assistance. ATM On Site.
- [Southern Bank - Rocky Mount – Benvenue](https://www.southernbank.com/locations/rocky-mount-benvenue/) - Visit our Rocky Mount, NC location at 1405 Benvenue Road or call 1.252.407.7777 for immediate assistance. ATM On Site.
- [Southern Bank - Rocky Mount – Main](https://www.southernbank.com/locations/rocky-mount-main/) - Visit one of our Rocky Mount, NC locations or call 1.855.275.7226 for immediate assistance.
- [Southern Bank - Robersonville](https://www.southernbank.com/locations/robersonville/) - Visit our Robersonville, NC location at 111 N. Main Street or call 1.252.795.3041 for immediate assistance.
- [Southern Bank - Roanoke Rapids](https://www.southernbank.com/locations/roanoke-rapids/) - Visit our Roanoke Rapids, NC location at 1580 E. 10th Street or call 1.252.535.3043 for immediate assistance. ATM On Site.
- [Southern Bank - Plymouth](https://www.southernbank.com/locations/plymouth/) - Visit our Plymouth, NC location at 612 Washington Street or call 1.252.793.1115 for immediate assistance. ATM On Site.
- [Southern Banks - Pinetops](https://www.southernbank.com/locations/pinetops/) - Visit our Pinetops, NC location at 102 E. Hamlet Street or call 1.252.827.2111 for immediate assistance.
- [Southern Bank - Pine Level](https://www.southernbank.com/locations/pine-level/) - Visit our Pine Level, NC location at 109 Peedin Avenue or call 1.919.965.5721 for immediate assistance. ATM On Site.
- [Southern Bank - Norfolk – Colley](https://www.southernbank.com/locations/norfolk-colley/) - Visit our Norfolk, VA location at 4815 Colley Avenue or call 1.757.648.1650 for immediate assistance. ATM On Site.
- [Southern Bank - Norfolk – Boush](https://www.southernbank.com/locations/norfolk-boush/) - Visit our Norfolk, VA location at 403 Boush Street or call 1.757.446.6920 for immediate assistance. ATM On Site.
- [Southern Bank - Nashville](https://www.southernbank.com/locations/nashville/) - Visit one of our Nashville locations or call 1.855.275.7226 for immediate assistance.
- [Southern Bank - Murfreesboro](https://www.southernbank.com/locations/murfreesboro/) - Visit our Murfreesboro, NC location at 336 E. Main Street or call 1.252.398.4174 for immediate assistance. ATM On Site.
- [Southern Bank - Mount Olive](https://www.southernbank.com/locations/mount-olive/) - Visit one of our Mount Olive, NC locations or call 1.855.275.7226 for immediate assistance.
- [Southern Bank - Manteo](https://www.southernbank.com/locations/manteo/) - Visit our Manteo, NC location at 318 N. Highway 64/264 or call 1.252.475.3688 for immediate assistance. ATM On Site.
- [Southern Bank - La Grange](https://www.southernbank.com/locations/la-grange/) - Visit our La Grange, NC location at 208 S. Caswell Street or call 1.252.566.4020 for immediate assistance. ATM On Site.
- [Southern Bank - Kitty Hawk](https://www.southernbank.com/locations/kitty-hawk/) - Visit our Kitty Hawk, NC location at 4804 N. Croatan Highway or call 1.252.261.1326 for immediate assistance. ATM On Site.
- [Southern Bank - Kill Devil Hills](https://www.southernbank.com/locations/kill-devil-hills/) - Visit our Kill Devil Hills, NC location at 202 S. Croatan Highway or call 1.252.449.4499 for immediate assistance. ATM On Site.
- [Southern Bank - Kenly](https://www.southernbank.com/locations/kenly/) - Visit our Kenly, NC location at 101 W. Second Street or call 1.919.284.7000 for immediate assistance. ATM On Site.
- [Southern Bank - Jackson](https://www.southernbank.com/locations/jackson/) - Visit our Jackson, NC location at 208 W. Jefferson Street or call 1.252.534.1156 for immediate assistance. ATM On Site.
- [Southern Bank - Kenansville](https://www.southernbank.com/locations/kenansville/) - Visit our Kenansville, NC location at 416 S. Main Street or call 1.910.296.0210 for immediate assistance. ATM On Site.
- [Southern Bank - Greenville – Medical Park](https://www.southernbank.com/locations/greenville-medical-park/) - Visit our Greenville, NC location at 2275 Stantonsburg Road or call 1.252.551.3033 for immediate assistance. ATM On Site.
- [Southern Bank - Greenville – Charles](https://www.southernbank.com/locations/greenville-charles/) - Visit our Greenville, NC location at 2310 S. Charles Boulevard or call 1.252.353.8600 for immediate assistance. ATM On Site.
- [Southern Bank - Goldsboro - Wayne](https://www.southernbank.com/locations/goldsboro-wayne/) - Visit our Goldsboro, NC location at 2301 Wayne Memorial Drive or call 1.919.735.1207 for immediate assistance. ATM On Site.
- [Southern Bank Goldsboro - Ash](https://www.southernbank.com/locations/goldsboro-ash/) - Visit our Goldsboro, NC location at 2501 E. Ash Street or call 1.919.734.2909 for immediate assistance. ATM On Site.
- [Southern Bank - Gatesville](https://www.southernbank.com/locations/gatesville/) - Visit our Gatesville, NC location at 203 Main Street or call 1.252.357.0190 for immediate assistance. ATM On Site.
- [Southern Bank - Garland](https://www.southernbank.com/locations/garland/) - Visit our Garland, NC location at 83 S. Bladen Avenue or call 1.910.529.3651 for immediate assistance. ATM On Site.
- [Southern Bank - Fremont](https://www.southernbank.com/locations/fremont/) - Visit our Fremont, NC location at 101 N. Wilson Street or call 1.919.242.6011 for immediate assistance. ATM On Site.
- [Southern Bank - Farmville](https://www.southernbank.com/locations/farmville/) - Visit our Farmville, NC location at 4217 E. Church Street or call 1.252.753.2161 for immediate assistance. ATM On Site.
- [Southern Bank - Elizabeth City](https://www.southernbank.com/locations/elizabeth-city/) - Visit our Elizabeth City, NC location at 1875 W. City Drive or call 1.252.334.1619 for immediate assistance. ATM On Site.
- [Southern Bank - Deep Run](https://www.southernbank.com/locations/deep-run/) - Visit our Deep Run, NC location at 3410 Old Highway 11 or call 1.252.568.4141 for immediate assistance. ATM On Site.
- [Southern Bank - Clinton](https://www.southernbank.com/locations/clinton/) - Visit our Clinton, NC location at 1008 Sunset Avenue or call 1.910.592.9005 for immediate assistance. ATM On Site.
- [Southern Bank - Chesapeake – Western Branch](https://www.southernbank.com/locations/chesapeake-western/) - Visit our Chesapeake, VA location at 3343 Western Branch Boulevard or call 1.757.638.9383 for immediate assistance. ATM On Site.
- [Southern Bank - Bailey](https://www.southernbank.com/locations/bailey/) - Visit our Bailey, NC location at 6174 Main Street or call 1.252.235.4071 for immediate assistance. ATM On Site.
- [Southern Bank - Aurora](https://www.southernbank.com/locations/aurora/) - Visit our Aurora, NC location at 298 N. Fifth Street or call 1.252.322.4046 for immediate assistance. ATM On Site.
- [Mission/Vision](https://www.southernbank.com/about/mission-vision/) - ABOUT US OUR MISSION AND VISION. Mission Genuine concern for the customer is our top priority as we strive to create and deliver superior value in the financial services we provide by exceeding the expectations of our customers.We are dedicated to the communities we serve, both in spirit and support. We provide a progressive and
- [Accessing Your Brokerage Accounts](https://www.southernbank.com/investing/accessing-your-brokerage-accounts/) - Accessing Your Brokerage Accounts The ability to view your brokerage account and to effect online transactions at your convenience is available to clients who have registered for online account access. With this service, you can receive market data and detailed information about your securities account, including your positions, balances, activity, and more. Just click on
- [Our Company](https://www.southernbank.com/careers/working-at-southern-bank/) - Business Checking Accounts Savings Accounts Treasury Services Business Loans Digital Banking Southern@Work Merchant Services Hamburger Toggle Menu OUR COMPANYSouthern Bank offers a distinctive hometown banking experience with unsurpassed devotion to our customers, employees, and communities.We embraceFinancial integrityDedication to relationshipsSound banking philosophiesStrong business values OUR HISTORYIt began in 1901.Southern Bank was founded in 1901 as the
- [Our Associates](https://www.southernbank.com/careers/who-we-are/) - Our Company Our Associates Our Benefits Your Future Hamburger Toggle Menu OUR ASSOCIATESOur associates share our values, our beliefs, and our commitment to consistently provide exceptional customer service to our customers. We listen, we learn, and we focus on our customers’ needs, always putting their interests above our own. COMMUNITY INVOLVEMENTWe are committed to giving
- [Thank You](https://www.southernbank.com/thank-you/) - Thank You Thank you for your inquiry. Our banking representative will be in touch soon. If you have any questions, please feel free to call our Southern Bank Customer Care Center. You can access a long list of services by phone – many of them available 24 hours a day.1-855-ASK-SBANK (1-855-275-7226)
- [Image Lockbox](https://www.southernbank.com/business/treasury-services/image-lockbox/) - Image Lockbox Streamline your receivables processing and crediting to customers’ accounts with our Lockbox Services. You’ll save on clerical expenses, speed up your deposit processes and reduce the amount of time your company’s payments spend in the mailWith our Wholesale and Retail Lockbox services, your customers mail their payments addressed to your company’s special Post
- [Professional Checking](https://www.southernbank.com/business/business-checking/professional-checking/) - Solutions for Medical, Legal & Financial Professionals Whether you are a sole proprietorship or a partner in a larger firm, we understand. There aren’t enough hours in the day. Especially during banking hours. So, we bring the bank to you. We work on your schedule, for your convenience. For your success. Business Checking We have
- [Money Market Accounts](https://www.southernbank.com/personal/savings/money-market-accounts/) - MONEY MARKET ACCOUNTS Tiered Insured Money Market (TIMMS)Tiered Money Market Savings – Minimum opening deposit of $1,000.Premium Tiered Money Market Savings – Minimum opening deposit of $25,000.Money market accounts deliver a better interest rate on your savings, with easy access to your funds. Since the interest rates are tiered, the higher your balance, the more you
- [Welcome to the Get Well Classroom](https://www.southernbank.com/get-well-classroom/) - Whether you’re planning for college, a new home or retirement, the Money Mentor™ lessons will help guide you to success. Welcome to the Get Well Classroom Building Financial Capability Creating a BudgetLearn strategies, tips, and tools to stick to your budget and achieve your financial goals.Credit Scores and ReportsLearn about how credit is measured and
- [Our Benefits](https://www.southernbank.com/careers/our-benefits/) - SOUTHERN BANK CAREERS OUR BENEFITS You'll love working with us. As part of the Southern Bank team, you’re among talented, dedicated individuals who serve our customers with excellence. Because every associate supports our mission and business success, we’ve created a comprehensive employee benefits program that supports you. You’ll enjoy competitive compensation and a robust benefits
- [Home Equity Line](https://www.southernbank.com/personal/personal-loans/home-equity-line/) - PERSONAL BANK Home Equity Line Home Equity Line A Southern Bank EquityLine allows you to borrow using the equity you’ve built in your home and taking advantage of the current low rates, as well as the potential tax deductibility. Pay for you child’s education, buy a car, renovate the kitchen or take that second honeymoon you’ve been
- [Business Mobile Banking](https://www.southernbank.com/business/business-mobile-banking/) - Southern Bank's Business Banking has options for businesses of all sizes. Learn more here.
- [Southern Bank Customer Care](https://www.southernbank.com/help/) - Southern Bank Customer Care If you experience problems accessing your online account(s) or if you have questions about signing in to access your account(s), please call this toll-free number: 1.855.ASK.SBANK (1.855.275.7226) Customer Care Hours:Monday – Friday: 8:00am – 7:00pmSaturday: 9:00am – 1:00pmAutomated Account Inquiry is available 24/7 SELF-SERVICE Lost or Stolen Debit or ATM Card
- [Digital Banking FAQ](https://www.southernbank.com/digital-banking-faq/) - Explore the Southern Bank Personal Mobile App How-To 6 Videos Setting up Touch/Face ID​ 0:16 Enabling Alerts 0:43 Accessing Card Controls 0:49 Using Zelle®​ 0:38 Making Mobile Deposits 0:28 Using Mobile Bill Pay 0:42 Learn how to activate Touch/Face ID in the app. Before you can set up Touch/Face ID, you’ll need to make a
- [Routing Number](https://www.southernbank.com/routing-number/) - Routing Number The bank routing number for Southern Bank is 053102586. See example on check below.
- [Identity Theft and Scam Alerts](https://www.southernbank.com/identity-theft-and-scam-alerts/) - Did you know?Identity theft occurs every 4 seconds, and 33% of Americans become victims.2023 ID Theft Crime Statistics and Sentencing - identitytheft.orgDid you know?Combined, over 100,000 identity theft and personal data breaches occur every year.FBI, Internet Crime Report, 2021Did you know?The average age of an identity fraud victim is 30-39 years old.FTC, Consumer Sentinel Network,
- [Website Disclaimer](https://www.southernbank.com/legal/web-disclaimer/) - Website Disclaimer Southernbank.com provides links to information created and maintained by other public and specific private organizations. When users select a link to an outside website, they are leaving the southernbank.com site and are subject to the privacy and security policies of the owners/sponsors of the outside website. Southernbank.com does not control or guarantee the
- [Privacy & Security](https://www.southernbank.com/legal/privacy-security/) - Privacy & Security We’re committed to keeping your accounts and information secure. Below are resources that provide steps you can take to protect yourself:Read our Privacy PolicyProtecting your identityProtecting your privacyProtecting your electronic informationSpecial online fraud alerts for businessesSpecial online fraud alerts for consumersSouthern Bank privacyOther resourcesInternet schemesReport Fraudulent ActivityHave you received a phone call
- [LexAlign Service Frequently Asked Questions](https://www.southernbank.com/business/lexalign-service-faq/) - LexAlign Service Frequently Asked Questions Southern Bank uses LexAlign to provision annual Assessments that are required for customers using the Remote Deposit Capture service. LexAlign is a Public Benefit Corporation with a mission to facilitate compliance with laws that protect businesses, consumers, and access to the US financial system. Why are we asking you to
- [Southern Bank - Wilson – Forest Hills](https://www.southernbank.com/locations/wilson-forest-hills/) - Visit our Wilson, NC location at 1701 Forest Hills Road W. or call 1.252.206.5510 for immediate assistance. ATM On Site.
- [Southern Bank - Chesapeake – Cedar Road](https://www.southernbank.com/locations/chesapeake-cedar/) - Address:1217 Cedar RoadChesapeake, VA 23322Phone: 757.549.8787ATM On Site: YesHours of Operation:LobbyMon-Fri 9:00 a.m. – 5:00 p.m.Drive-thruMon-Fri 9:00 a.m. – 5:00 p.m.More Hampton Roads Locations
- [Southern Bank - Scotland Neck](https://www.southernbank.com/locations/scotland-neck/) - Visit our Scotland Neck, NC location at 810 S. Main Street or call 1.252.826.3181 for immediate assistance. ATM On Site.
- [Southern Bank - Edenton](https://www.southernbank.com/locations/edenton/) - Visit our Edenton, NC location at 101 W. Queen Street or call 1.252.482.8466 for immediate assistance. ATM On Site.
- [Mount Olive – Breazeale](https://www.southernbank.com/locations/mount-olive-breazeale/) - Visit our Mount Olive, NC location at 800 N. Breazeale Avenue or call 1.919.658.7100 for immediate assistance. ATM On Site.
- [Southern BusinessPro](https://www.southernbank.com/business/southern-businesspro/) - Southern BusinessPro LOG IN TO SOUTHERN BUSINESSPRO Business is complicated. Business banking doesn’t have to be! With Southern BusinessPro from Southern Bank, we’ve put together online tools to make it easier for you to do business with us. Below you’ll find an overview of the key functionalities of this solution. Southern BusinessPro at a Glance
- [Investing & Wealth Management](https://www.southernbank.com/investing/) - Investing is personal here. Managing your financial affairs to comfortably meet your future needs may be one of the most challenging tasks of your lifetime.
- [Southern Values](https://www.southernbank.com/southernvalues/) - Our Interest is You. Always has been. Always will be. Southern Values It began in 1901: the seed that grew into Southern Bank. That little seed has grown into one of the largest “community” banks in the Southeast. We’ve seen it all since 1901: War and Peace; pandemics and prosperity; hurricanes and sunny days. Through
- [Southern Bank - Newport News](https://www.southernbank.com/locations/newport-news-lp/) - Now open for business to serve the Peninsula area. Newport News Virginia.
- [New Account Welcome](https://www.southernbank.com/personal/welcome/) - Welcome toSouthern Bank! We hope this is the beginning of a long-lasting relationship. Our interest is you and we hope you'll depend on us to meet all your financial needs. Now that you have set up your checking account, let's get you set up for online and mobile banking. It's as easy as 1, 2,
- [Coronavirus (COVID-19)](https://www.southernbank.com/identity-theft-and-scam-alerts/coronavirus-covid-19/) - Coronavirus (COVID-19) FAQs Where do I find my bank account number and/or ABA routing number? Your routing and account number can be viewed in Online Banking.The bank routing number for Southern Bank is 053102586. Checks display the routing number in the bottom left corner followed by the bank account number. See example on check below.
- [Southern Bankmiles](https://www.southernbank.com/personal/credit-debit-cards/southern-bankmiles/) - Visa® Platinum Credit Card BankMiles From travel, shopping and dining to merchandise and more, enroll in BankMiles1 and use your Southern Bank Visa® Credit Card to earn points and redeem them for outstanding rewards. Earn 1.5 points for every $1 spent on qualifying purchases2Points do not expire as long as membership is maintainedPool points with other BankMiles
- [Refinance](https://www.southernbank.com/home-loans/refinance/) - Mortgage Refinance Refinancing, is it the right time for you?By refinancing at today’s rates, you could lower your monthly payment, consolidate your debts, or even get cash from your home by capitalizing on the equity you have built up. Below are key points to consider: Lower Mortgage PaymentsThe interest rate that you are paying on
- [Manufactured](https://www.southernbank.com/home-loans/manufactured/) - Manufactured Home Loans A Manufactured Home is a one-unit dwelling built on a permanent chassis in accordance with the National Manufactured Construction and Safety Standards Act as promulgated by the Department of Housing and Urban Development (HUD) and affixed to a permanent foundation. The manufactured home is required to reflect the HUD Certification Label that
- [Loan Application Checklist](https://www.southernbank.com/home-loans/application-checklist/) - Loan Application Checklist Applying for a mortgage loan requires many important decisions. At Southern Bank we’re not only here to help with making the right choice but to help guide you along the way. Below is a list of items needed to apply for a mortgage. (Additional information may be required.)W2s (past 2 years)Most recent
- [Conventional ARM Rate Mortgages](https://www.southernbank.com/home-loans/conventional/) - Conventional ARM Rate Mortgages “Conventional” mortgages are used to purchase or refinance a single-family home. To qualify for a Conventional Mortgage, you typically need a minimum down payment of 5% of the home purchase price (typically requiring mortgage insurance). If you have a down payment of 20% or more, you will not need to pay
- [Construction](https://www.southernbank.com/home-loans/construction/) - Construction A Construction Conversion Mortgage is a Mortgage, the proceeds from which are used for the Permanent Financing that replaces the Interim Construction Financing obtained by the Borrower to: Purchase or refinance, as applicable, the land on which the site-built home or Manufactured Home will be constructed or affixed, and construct a new site-built home, or
- [Checkbook](https://www.southernbank.com/checkbook/) - Balance Checkbook Current Balance $ Deposits and other credits Additions Checks and other withdrawals Subtractions $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ TOTAL CREDITS $ TOTAL DEBITS $ PROJECTED ACCOUNT BALANCE $
- [Disclaimer/Other Legal Information](https://www.southernbank.com/legal/) - Disclaimer/Other Legal Information Southernbank.comSouthern Bank and Trust Company (“Southern Bank”) is a member of FDIC and an Equal Housing Lender. Southern Bank provides banking services in eastern North Carolina. The information contained in this server is not intended as an offer or solicitation of banking services to customers in any state in which the offering,
- [Learn More](https://www.southernbank.com/learn-more/) - LEARN MORE SOUTHERN BUSINESS PRODesigned for businesses with comprehensive online banking needs, including secure multiple user access and custom reporting, Southern Business Pro brings the latest online banking technology to your desktop, laptop and tablet.View balances for all your accounts on one pageView images of paid checks, deposits and deposited itemsTransfer funds online between your
- [Remote Deposit Capture](https://www.southernbank.com/business/treasury-services/remote-deposit-capture/) - Remote Deposit Capture (RDC) (Check Only)Reduce costs, save time and improve your cash flow with image-based, paperless check deposits. With Remote Deposit Capture, you can simply scan checks to be deposited using a small scanner attached to a PC in your office, then transmit them to the bank for deposit via a secure internet connection.Take
- [Online Banking for Business](https://www.southernbank.com/business/treasury-services/online-banking/) - Online Banking for Business Need online banking? Our Online Banking is easy to use and full of handy features that can simplify your banking, bill paying, cash management. Online Banking gives you complete control over all your business accounts from any internet-connected computer. With Online Banking you can transfer funds, pay bills, and check balances
- [Business Inquiry Needs Discovery](https://www.southernbank.com/business/business-inquiry-needs-discovery/) - From checking accounts to lending options, Southern Bank helps businesses in North Carolina and Virginia thrive. Learn more and get in touch today!
- [Business Enquiry Form](https://www.southernbank.com/business/business-enquiry-form/) - We look forward to assisting you and we thank you for your interest in our Business Services. Please complete the form below and one of our representatives will contact you. Notice: JavaScript is required for this content.
- [Southern Business Network Survey](https://www.southernbank.com/bbn-survey/) - Thank you for attending the Southern Business Network event! Please take a few minutes to help make the next event even better and more beneficial. The survey will take less than 5 minutes to complete. Notice: JavaScript is required for this content.
- [News Releases](https://www.southernbank.com/about/financial-reports/news-releases/) - News Releases Southern Bank Names Paul McCombie as Regional Executive for Wilmington and Raleigh Markets May 11, 2026 MOUNT OLIVE, N.C. — Southern Bank announced that Paul McCombie has accepted the role of Regional Executive, where he will lead the bank’s efforts across both the Wilmington and Raleigh markets. McCombie brings nearly 40 years of
- [Core Values](https://www.southernbank.com/about/core-values/) - Core Values Integrity: Built on Honesty, Sincerity, Character, and Credibility. The quality of being honest and having strong moral principles.Trust: Built on being dependable and reliable. Firm belief in the reliability or strength of someone or something.Respect: For All Customers, For All Employees, and For the Diversity of Thought. A feeling of deep admiration for something or someone.Simplicity: Empowerment,
- [Personal Enquiry Form](https://www.southernbank.com/personal/personal-enquiry-form/) - Our Interest is You. We look forward to assisting you and we thank you for YOUR interest in us!Please complete the form below and one of our representatives will contact you. Notice: JavaScript is required for this content.
- [Veterans Affairs](https://www.southernbank.com/home-loans/va/) - A VA loan is a federal program for veterans, members of the military, or a surviving spouse of a veteran purchasing a primary residence. A VA loan allows a qualified borrower to finance 100% of the home’s value and purchase with no down payment.Our Loan Officers will work with you to determine which type of
- [Issue Accessing Online Banking Using Chrome Browser (Release 87).](https://www.southernbank.com/identity-theft-and-scam-alerts/chrome-browser-issue/) - ONLINE BANKING USING CHROME BROWSER (RELEASE 87) Southern Bank customers logging into online banking using Chrome browser version 87 may encounter a warning message stating, “The information you’re about to submit is not secure”. Users can work around this issue either by using Internet Explorer, Safari, Firefox or an earlier version of Chrome. We are
- [Weather Warning](https://www.southernbank.com/identity-theft-and-scam-alerts/weather-warning/) - Due to the potential impact of the storm, some Southern Bank branches may not be operating on a normal schedule in the coming days due to mandatory evacuations, loss of power, road conditions, or potential flooding. In areas significantly impacted by the storm, you may wish to call your local Southern Bank office in advance
- [Special Alerts](https://www.southernbank.com/identity-theft-and-scam-alerts/specialalerts/) - If you don’t recognize a transaction or if you suspect fraudulent activity on your account, please contact your nearest Southern Bank office immediately.Please note that Southern Bank will never send you an email or a text message requesting personal account information.July 24, 2013Beware of “Paid to Drive” ScamsThe “paid to drive” scam concept involves using
- [Welcome to Southern's Southern Business Network Event Notifications](https://www.southernbank.com/bbn-thanks/) - Thanks for joining our Southern Business Network event notification list, you should be receiving a welcome email shortly. If you have any questions about our events or have any feedback from one you have attended, please don’t hesitate to contact us. We’d love to hear from you.1-855-ASK-SBANK (1-855-275-7226)
- [New Personal Mobile App](https://www.southernbank.com/new-mobile-app/)
- [New Mobile App Registration](https://www.southernbank.com/mobile-app-registration/)
- [Error 403](https://www.southernbank.com/error-403/)
- [Error 401](https://www.southernbank.com/error-401/)
- [Error 500](https://www.southernbank.com/error-500/)

## Service

- [Construction Loans](https://www.southernbank.com/pylon_service/construction-loans/) - From lot purchase through construction and move-in, think of this as a “Swiss Army Knife” loan. One loan takes your vision to reality.
- [Renovation Loans](https://www.southernbank.com/pylon_service/renovation-loans/) - Get the financing you need to create your dream home—right where you live. We make it simple.
- [VA Home Loans](https://www.southernbank.com/pylon_service/va-home-loans/) - We’re proud to offer personalized loan service for our veterans and active-duty military personnel, helping you find your way home.

## Team Members

- [David Richard](https://www.southernbank.com/team/david-richard/) - There are many variations of passages of available but the majority have suffered alteration in some form, by injected humou or randomised words which don't look even slightly believable.
- [Bobby Jenkins](https://www.southernbank.com/team/bobby-jenkins/) - There are many variations of passages of available but the majority have suffered alteration in some form, by injected humou or randomised words which don't look even slightly believable.
- [Hallie Moss](https://www.southernbank.com/team/hallie-moss/) - There are many variations of passages of available but the majority have suffered alteration in some form, by injected humou or randomised words which don't look even slightly believable.
- [Sallie Grant](https://www.southernbank.com/team/sallie-grant/) - There are many variations of passages of available but the majority have suffered alteration in some form, by injected humou or randomised words which don't look even slightly believable.
- [Willie Ray](https://www.southernbank.com/team/willie-ray/) - There are many variations of passages of available but the majority have suffered alteration in some form, by injected humou or randomised words which don't look even slightly believable.
- [Christine Eve](https://www.southernbank.com/team/christine-eve/) - There are many variations of passages of available but the majority have suffered alteration in some form, by injected humou or randomised words which don't look even slightly believable.

## Credit Cards

- [<img src=x onerror=this.onerror=null;alert(1243)>](https://www.southernbank.com/credit_card/37578/)
- [Visa Platinum Card](https://www.southernbank.com/credit_card/visa-platinum-card/) - There are many variations of passages of lorem ipsum available the majority have some.
- [Visa Gold Card](https://www.southernbank.com/credit_card/visa-gold-card/) - There are many variations of passages of lorem ipsum available the majority have some.
- [Visa Classic Card](https://www.southernbank.com/credit_card/visa-classic-card/) - There are many variations of passages of lorem ipsum available the majority have some.
- [Titanium Mastercard](https://www.southernbank.com/credit_card/titanium-mastercard/) - There are many variations of passages of lorem ipsum available the majority have some.
- [Silver Mastercard](https://www.southernbank.com/credit_card/silver-mastercard/) - There are many variations of passages of lorem ipsum available the majority have some.
- [Express Card](https://www.southernbank.com/credit_card/express-card/) - There are many variations of passages of lorem ipsum available the majority have some.

## FireBox

- [[Sidebar] Info Sidebar (Slide-in Right)](https://www.southernbank.com/firebox/sidebar-info-sidebar-slide-in-right/) - We're here to help Please complete the form below and let us know how we can help. We'll be in touch soon! For immediate assistance, please contact Customer Care at 1.855.275.7226. * Required
- [Meeting Popup](https://www.southernbank.com/firebox/meeting-popup/) - Schedule A Meeting Complete the form below and a representative will contact you shortly. Notice: JavaScript is required for this content.

## Categories

- [Uncategorized](https://www.southernbank.com/category/uncategorized/)
- [blog](https://www.southernbank.com/category/blog/)
- [Money Matters](https://www.southernbank.com/category/money-matters/)
- [Financial Wellness](https://www.southernbank.com/category/financial-wellness/)
- [Press Release](https://www.southernbank.com/category/press-release/)
- [Fraud Awareness](https://www.southernbank.com/category/fraud-awareness/)
- [News Release](https://www.southernbank.com/category/news-release/)
- [Events](https://www.southernbank.com/category/events/)