Intro – Southern Bank Reviews & Ranking


Southern Bank was recently ranked and reviewed by AdvisoryHQ as a top rated banking firm. Firms on our top rated lists were selected after they successfully passed AdvisoryHQ’s groundbreaking, four-step banks and credit unions selection methodology

Click here for a step-by-step breakdown of the methodology and selection process used during our Southern Bank review: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.

The Southern Bank review below provides a detailed assessment, including some of the factors used by AdvisoryHQ News in its ranking and selection of Southern Bank.



Southern Bank Reviews


A commitment to the citizens of North Carolina and Virginia is what’s driven Southern Bank and Trust Company for over 100 years. Its goal is simple, to provide the most innovative banking products and technology while also maintaining a “small town” personal feel.

This is one of the best banks in North Carolina for those who prefer local banking over a global bank. Southern Bank has more than 60 locations and assets over $3 billion.

True to its name, the bank continues to embody its founding values as a place where the money is safe, and customers and employees alike are valued and respected. It continually strives to create superior value as one of the top banking firms.

southern bank reviews

Best Banks in North Carolina

The associates at Southern Bank and Trust Company are dedicated to building relationships with their customers so they feel like more than just an account number.

In our Southern bank reviews of the firm’s vision statement, we found it operates on a strong dedication to its customers and the local communities.

See Also: Top Virginia Beach Credit Unions & Banks



Key Factors Leading Us to Rank Southern Bank as One of This Year’s Top Banking Firms

Upon completing our detailed reviews, Southern Bank was included in AdvisoryHQ’s ranking of this year’s top banking firms based on the following factors. 

Southern Bank Reviews | Mobile Banking App

As part of its mission, Southern Bank and Trust Company strives to provide the most advanced digital banking solutions to its customers.

One way it fulfills this mission is through the Southern Bank app. This best bank in North Carolina allows its customers to handle a large part of their banking directly from their smartphone, including mobile deposits.

Using the Southern Bank app, customers can take advantage of the following activities:

  • View account balance and transactions
  • Mobile check deposits
  • Transfer money
  • Pay bills
  • Turn their debit card off and on
  • Use Pay a Friend
  • Access Touch ID features
  • Find the nearest branch or ATM

The Southern bank app is available for Android devices, iPhone, and iPad.

Another reason that the digital banking solutions of Southern Bank make it one of the best banks in North Carolina is that its accounts are compatible with multiple mobile payment options. These include:

  • Apple Pay
  • Samsung Pay
  • Google Pay
  • Fitbit Pay
  • Garmin Pay

Don’t Miss: Check Out the Best Atlanta Banks & Credit Unions in Atlanta


Southern Bank Reviews | Southern BusinessPro

If you’re a business owner looking for the best bank in North Carolina for your company accounts, Southern Bank is a great contender.

Southern Bank’s Southern BusinessPro offers a way to simplify business banking and have access to sophisticated tools that can facilitate cash flow projections, bill payments, and more.

The online tool offers solutions to manage your business banking easily. You can take advantage of the following attributes of Southern BusinessPro.

  • Dashboard complete with important account information, customized for each user
  • Enhanced reporting, including viewing and downloading activity from an unlimited number of accounts and account activity on one page
  • Complete transfers to and from your Southern Bank accounts, create transfer templates for recurring transfers and initiate vendor payments electronically instead of writing checks
  • User friendly to make performing banking tasks less time-consuming.

With these convenient, centralized functionalities, Southern BusinessPro truly is your one-stop-shop for business banking. It’s yet another way that this best bank in North Carolina fulfills its mission to provide the most sophisticated technology tools to its customers.

Southern Bank Reviews | Mortgage 101 & Resources

Purchasing a home is a big deal. While it’s an exciting time, it can also be complicated. The best banks in North Carolina work to make the process easier for you.

This includes Southern Bank, which has a Mortgage 101 and Resource Center complete with a glossary, FAQs, a checklist for homebuyers. Consumers can find a variety of helpful tools and information here on purchasing and refinancing real estate.

As one of the best banks in North Carolina dedicated to customer service, Southern Bank offers specifics in this resource center, such as whether your overtime and/or commission pay will qualify as part of your income when applying for a mortgage, and what exactly a bridge loan is.

At the end of the day, many banks are for-profit institutions. That means they are primarily concerned with turning a profit.

For an institution to also take it upon itself to value the financial education of its customers is a positive sign that the bank truly wishes to act in the best interest of those customers.

This continued dedication to customers and supporting their success through financial education and tools is one of the reasons Southern Bank and Trust Company is one of the best banks in North Carolina.

Related: Save Time & Money! Top Credit Unions & Banks in Mesa, Arizona



Rating Summary

Working with Southern Bank gives customers the best of both worlds, the digital resources they’d find at a large bank along with the hometown feel of a small local community bank.

This is a unique balance that Southern Bank has managed to maintain for many years, making it one of the best banks in North Carolina and Virginia.

Our Southern Bank reviews found that the bank also offers the types of additional services you’d expect from a larger bank, including investing and financial wellness.

With a dedication to making banking as easy as possible and a plethora of advanced technology tools, Southern Bank and Trust Company scores a 5-star rating as one of the best banks in North Carolina to consider this year.


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Southern Bank