Southern Bank is the oldest financial institution in Southeastern Missouri. Southern Bank is a full-service financial institution that serves the financial needs of Southeast Missouri. The bank offers a wide range of consumer and commercial banking services, including several types of checking accounts, savings, certificates of deposit, individual retirement accounts, loans as well as credit and check cards. Southern Bank also offers commercial banking accounts. The bank s Web site allows customers to access accounts online from anywhere, 24-hours a day. Customers can transfer funds, view account history and pay bills. Southern Bank also offers paper-free electronic statements and telephone banking.