The Southern Bank Company offers a range of financial products and services. It is a full-service bank that operates branch offices in northeastern Alabama. The bank provides a variety of checking, savings and individual retirement accounts, as well as certificates of deposit. The Southern Bank Company offers personal, automobile and commercial loans. The bank provides safe-deposit boxes and home equity lines of credit. It also offers home purchase, refinance and construction loans. The Southern Bank Company is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender. In addition, the bank provides Internet and telephone banking services.