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Interest Bearing Accounts

All accounts require a $50 minimum opening deposit except Youth Savings which requires $25, Health Savings which requires $100 and Platinum Advantage which requires $5,000. All deposit accounts may be opened online or at any of our convenient locations.

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  •  
  • Relationship Checking
  • Checking Plus
  • Senior Checking
  • ADVANTAGE Investment Money Market
  • PLATINUM ADVANTAGE Investment Money Market
  • Health Savings (HSA)
  • Personal Savings
  • Youth Savings
  •  
  • Minimum Balance Requirement/ Service Charge Info
  • Online Banking w/ Bill Pay
  • Advantage Check Card
  • Overdraft Privilege
  • Check Handling
  • Interest Rates
$15 or $0 if you maintain an average monthly checking balance of $7,500 per statement cycle or a combined relationship1 of $50,000

• .15% discount on eligible loans (excluding mortgage)
• Refunds of ATM fees2 charged by other banks up to $10 per statement cycle
• 2 boxes of bank stock checks annually at no charge
• Free 3x5 safe deposit box, where available

1The combined relationship is based on the primary owner of the Relationship Checking account for qualifying accounts. Qualifying accounts include personal deposit accounts, personal loan accounts, and sole proprietorship accounts in the name of the primary owner. CDs, IRAs, credit cards and all other commercial deposits and commercial loans do not qualify.

2 Refund of up to 4 (per statement cycle) Foreign ATM Withdrawal Fees charged by Southside Bank for withdrawals made at ATMs not owned by Southside Bank; Refund of up to 4 (per statement cycle) Foreign ATM Balance Inquiry Fees charged by Southside Bank for balance inquiries made at ATMs not owned by Southside Bank.×
Maintain average daily balance of $1000 and over - No Monthly Maintenance Fee. If average daily balance falls under $1000 a $9 Monthly Maintenance Fee will be charged.×
Maintain an average daily balance of $1,000 and over = No Monthly Fee. Under $1,000 = $10 Minimum Balance Fee.
For Business Advantage Investment Accounts, up to 100 items processed per statement cycle are permitted; items include checks, deposit slips, deposited items and electronic items.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

On Advantage Investment Accounts, if your average daily balance drops below $1,000 any time during the statement cycle, there is a $10 Minimum Balance Fee. On Platinum Advantage Investment Accounts, if your average daily balance drops below $5,000 any time during the statement cycle, there is a $10 Minimum Balance Fee.

You may make unlimited transfers from your Investment Account to another of your accounts at the Bank and unlimited withdrawals (payments directly to you) when such transfers or withdrawals are made in person using the designated Inter-Bank Transfer Form or at an ATM. Automatic loan payments made to pay Southside Bank loans are unlimited.

Transfers from this account to another account or to third parties by preauthorized, automatic, telephone, computer transfer (including bill payment), check, draft, point-of-sale (POS), debit card or similar order to third parties are limited to six per statement cycle (of at least four weeks).

An excess debit fee of $10 per item will be charged for each limited withdrawal in excess of six per statement cycle.

As directed by Banking Regulations, transfers or withdrawals above the allowed number will also subject the account to being changed to a Classic Checking Account (for Personal Money Market or Savings Accounts) or changed to a Regular Business Account (for Business Money Market or Savings Accounts) status without further notice. We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.×
Maintain an average daily balance of $5,000 and over = No Monthly Fee. Under $5,000 - $10 Minimum Balance Fee.
For Business Advantage Investment Accounts, up to 100 items processed per statement cycle are permitted; items include checks, deposit slips, deposited items and electronic items.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

On Advantage Investment Accounts, if your average daily balance drops below $1,000 any time during the statement cycle, there is a $10 Minimum Balance Fee. On Platinum Advantage Investment Accounts, if your average daily balance drops below $5,000 any time during the statement cycle, there is a $10 Minimum Balance Fee.

You may make unlimited transfers from your Investment Account to another of your accounts at the Bank and unlimited withdrawals (payments directly to you) when such transfers or withdrawals are made in person using the designated Inter-Bank Transfer Form or at an ATM. Automatic loan payments made to pay Southside Bank loans are unlimited.

Transfers from this account to another account or to third parties by preauthorized, automatic, telephone, computer transfer (including bill payment), check, draft, point-of-sale (POS), debit card or similar order to third parties are limited to six per statement cycle (of at least four weeks).

An excess debit fee of $10 per item will be charged for each limited withdrawal in excess of six per statement cycle.

As directed by Banking Regulations, transfers or withdrawals above the allowed number will also subject the account to being changed to a Classic Checking Account (for Personal Money Market or Savings Accounts) or changed to a Regular Business Account (for Business Money Market or Savings Accounts) status without further notice. We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.×
Maintain average daily balance of $500 and over - No Monthly Fee. If average daily balance falls under $500 a $3 Minimum Balance Fee will be charged.×
Maintain average daily balance of $300 and over – No Monthly Fee. If average daily balance falls under $300 a $3 Minimum Balance Fee will be charged. Withdrawals or transfers from a Savings Account are limited to two per month without a charge. Additional withdrawals will be charged an Excess Debit Fee of $2. Interest is paid on the Daily Ledger Balance.×
No Monthly Fee. Withdrawals or transfers from a Savings Account are limited to two per month without a charge. Additional withdrawals will be charged an Excess Debit Fee of $2. Interest is paid on the Daily Ledger Balance. At the age of 18, Youth Savings will convert to a Personal Savings.×
$15 or $0 if you maintain an average monthly checking balance of $7,500 per statement cycle or a combined relationship1 of $50,000

• .15% discount on eligible loans (excluding mortgage)
• Refunds of ATM fees2 charged by other banks up to $10 per statement cycle
• 2 boxes of bank stock checks annually at no charge
• Free 3x5 safe deposit box, where available

1The combined relationship is based on the primary owner of the Relationship Checking account for qualifying accounts. Qualifying accounts include personal deposit accounts, personal loan accounts, and sole proprietorship accounts in the name of the primary owner. CDs, IRAs, credit cards and all other commercial deposits and commercial loans do not qualify.

2 Refund of up to 4 (per statement cycle) Foreign ATM Withdrawal Fees charged by Southside Bank for withdrawals made at ATMs not owned by Southside Bank; Refund of up to 4 (per statement cycle) Foreign ATM Balance Inquiry Fees charged by Southside Bank for balance inquiries made at ATMs not owned by Southside Bank.×
Maintain average daily balance of $1000 and over - No Monthly Maintenance Fee. If average daily balance falls under $1000 a $9 Monthly Maintenance Fee will be charged.×
Maintain an average daily balance of $1,000 and over = No Monthly Fee. Under $1,000 = $10 Minimum Balance Fee.
For Business Advantage Investment Accounts, up to 100 items processed per statement cycle are permitted; items include checks, deposit slips, deposited items and electronic items.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

On Advantage Investment Accounts, if your average daily balance drops below $1,000 any time during the statement cycle, there is a $10 Minimum Balance Fee. On Platinum Advantage Investment Accounts, if your average daily balance drops below $5,000 any time during the statement cycle, there is a $10 Minimum Balance Fee.

You may make unlimited transfers from your Investment Account to another of your accounts at the Bank and unlimited withdrawals (payments directly to you) when such transfers or withdrawals are made in person using the designated Inter-Bank Transfer Form or at an ATM. Automatic loan payments made to pay Southside Bank loans are unlimited.

Transfers from this account to another account or to third parties by preauthorized, automatic, telephone, computer transfer (including bill payment), check, draft, point-of-sale (POS), debit card or similar order to third parties are limited to six per statement cycle (of at least four weeks).

An excess debit fee of $10 per item will be charged for each limited withdrawal in excess of six per statement cycle.

As directed by Banking Regulations, transfers or withdrawals above the allowed number will also subject the account to being changed to a Classic Checking Account (for Personal Money Market or Savings Accounts) or changed to a Regular Business Account (for Business Money Market or Savings Accounts) status without further notice. We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.×
Maintain an average daily balance of $5,000 and over = No Monthly Fee. Under $5,000 - $10 Minimum Balance Fee.
For Business Advantage Investment Accounts, up to 100 items processed per statement cycle are permitted; items include checks, deposit slips, deposited items and electronic items.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

On Advantage Investment Accounts, if your average daily balance drops below $1,000 any time during the statement cycle, there is a $10 Minimum Balance Fee. On Platinum Advantage Investment Accounts, if your average daily balance drops below $5,000 any time during the statement cycle, there is a $10 Minimum Balance Fee.

You may make unlimited transfers from your Investment Account to another of your accounts at the Bank and unlimited withdrawals (payments directly to you) when such transfers or withdrawals are made in person using the designated Inter-Bank Transfer Form or at an ATM. Automatic loan payments made to pay Southside Bank loans are unlimited.

Transfers from this account to another account or to third parties by preauthorized, automatic, telephone, computer transfer (including bill payment), check, draft, point-of-sale (POS), debit card or similar order to third parties are limited to six per statement cycle (of at least four weeks).

An excess debit fee of $10 per item will be charged for each limited withdrawal in excess of six per statement cycle.

As directed by Banking Regulations, transfers or withdrawals above the allowed number will also subject the account to being changed to a Classic Checking Account (for Personal Money Market or Savings Accounts) or changed to a Regular Business Account (for Business Money Market or Savings Accounts) status without further notice. We reserve the right to at any time require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.×
Maintain average daily balance of $500 and over - No Monthly Fee. If average daily balance falls under $500 a $3 Minimum Balance Fee will be charged.×
Maintain average daily balance of $300 and over – No Monthly Fee. If average daily balance falls under $300 a $3 Minimum Balance Fee will be charged. Withdrawals or transfers from a Savings Account are limited to two per month without a charge. Additional withdrawals will be charged an Excess Debit Fee of $2. Interest is paid on the Daily Ledger Balance.×
No Monthly Fee. Withdrawals or transfers from a Savings Account are limited to two per month without a charge. Additional withdrawals will be charged an Excess Debit Fee of $2. Interest is paid on the Daily Ledger Balance. At the age of 18, Youth Savings will convert to a Personal Savings.×