Personal Online Banking

             

Account Management

Check balances, print statements and transfer funds at your convenience from any computer with internet access through Southern Community Personal Online Banking.

Bill Pay

Southern Community offers online bill payment services at a charge of $6.00 per month (free with ME Banking, Community 50 Plus, and Performance Plus), with these features:

• Schedule automatic payments or make single payments quickly and easily
• Make single, recurring or scheduled transfers to other accounts
• Listing of payment history, returned payments, and transactions in process
• Customized event notifications alert you each time a particular event occurs through your bill pay account
• Customized email summary of bill pay activities at the end of each session
• Make payments from multiple accounts
• Inclusive calendar lists all payments
• Shortcut feature lets you pre-load your bills based on your payment history

 

E-Statements

With online banking, you can receive an e-statement instead of a paper one. No more having to keep boxes of old statements in the closet or shred them before throwing them away.
 

Quicken^® and Microsoft^® Money

Our online banking systems can integrate with these familiar software programs to make managing your finances as simple and easy as possible.

Check Images

We offer an option to receive printed statements that include images of the actual checks posted during the statement period. e-statements automatically include these check images. In addition, check images are always available via Online Banking for the current and past statement cycles.

 

Online Security

Southern Community uses cutting edge technology to create the most secure online environment possible and offer you worry-free Internet banking.

• Secure Communications
  • Data exchanged between your PC and our computers is encrypted with 128-bit encryption - the strongest encryption available
  • Secure email option allows you to send and receive emails using an encrypted format that protects your information
• Secure Environment
  • Our computer system is isolated from the Internet via a "firewall" that limits the access that outside computers have to our internal network and databases
  • Our firewall protects your personal information from unauthorized access
• Secure Login
  • Enhanced Login Security offers the highest level of safety and privacy by verifying your identity and the bank’s identity
  • The bank identifies you through a unique access code, then you identify the bank through a unique photo and pass phrase combination
  • User ID’s and passwords are isolated from the Internet and stored on our own computer
  • Passwords and ID’s cannot be accessed or downloaded by anyone on the Internet
  • User passwords can vary from six to eight characters, so the chance of randomly guessing a password is less than one in one billion
  • The system checks for invalid logins and automatically disallows a user after three invalid attempts, prohibiting "hackers" from gaining access to your accounts
  • You are the only one who knows your password, no bank employee will know it or have access to it

Email Alerts

You can receive automatic alerts in email format that let you know important information about your account in real time. Get a low-balance alert when your account balance falls beyond a pre-set limit. Or get a transaction alert when a deposit is posted to your account or when a check clears.