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Southern Bank Visa® Platinum Credit Card
- Regular Purchase APR 11.74% to 22.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 11.74% to 22.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 22.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Annual Fee 0
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair
- Processing Network N/A
Best Benefits
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- No annual fee
- Option to enroll in BankMiles® Rewards program
- Use your Southern Bank Visa® to pay your cell phone bill and get reimbursed if your phone gets damaged or stolen
Rates & Fees
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- Regular Purchase APR: 11.74% to 22.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 11.74% to 22.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 22.74% to 25.74% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Annual Fee: 0
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $25
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Bank lobby business hours are:
- Monday – Thursday: 9 am to 5 pm
- Friday: 9 am to 6 pm
- Saturday and Sunday: Closed
Lobbies are closed for lunch – please call your local branch to check lunch schedule.
Bank drive-through windows open at 8:30 am on business days.
FAQs About Southern Bank
Here you will find answers to commonly asked questions about Southern Bank:
- Southern Bancshares.
- The routing number for Southern is 053102586.
- Like other banks, customers with Southern can send and receive money via Zelle.
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