Getting into your account online or on your phone
Bank South offers two main ways to access your checking account: through their website on a computer, or through their mobile app on a smartphone or tablet. Both routes use the same username and password, so once you set those up, you can switch between them.
If you already have a username and password from when you opened your account, go straight to the Bank South website or open the Bank South mobile app and enter those credentials. If you do not remember your password, or if you never set up online access when you opened your account, you will need to create or reset it first — that process is covered in the next section.
Key Takeaways
- Bank South online access uses a username and password that you create yourself, not your account number.
- If you do not have a username yet, you can create one on the Bank South website by entering your account number, Social Security number, and other identifying information.
- If you forgot your password, the Bank South website has a "Forgot Password" link that will walk you through resetting it using your email address or phone number.
- Once you are logged in, you can see your balance, transfer money between accounts, pay bills, and read statements without calling the bank.
Creating a username and password for the first time
When you open a checking account at Bank South, the bank does not automatically set up online access for you. You have to create it yourself. Go to the Bank South website and look for a link that says "Enroll" or "Register" — this is usually near the login box on the homepage.
Click that link and you will be asked to enter your account number, the routing number (which appears on the bottom left of your checks), your Social Security number, and your date of birth. The bank uses this information to confirm that you are the account holder. After you verify these details, you will create your own username — this can be anything you want, and does not have to match your name — and a password.
Your password should be something only you know. Bank South typically requires at least 8 characters, and recommends mixing uppercase letters, lowercase letters, numbers, and symbols. Write it down somewhere safe, or use a password manager if you have one. Do not use your birthday, your account number, or anything someone could guess by looking at your social media.
Resetting a forgotten password
If you remember your username but not your password, go to the Bank South website and click "Forgot Password" or "Sign In Help" near the login box. The bank will ask you to enter your username, and then offer you two ways to reset: through an email link or through a text message to your phone number on file.
If you choose email, Bank South will send you a link that works for a limited time — usually a few hours. Click that link and you will be taken to a page where you can create a new password. If you choose text message, the bank will send you a code to your phone; enter that code on the website and then create your new password.
If you do not have access to the email address or phone number you registered with, or if you cannot remember your username either, you will need to call Bank South directly or visit a branch in person. Bring a photo ID and your account number or a recent statement.
Logging in on a computer
Open a web browser and go to the Bank South website. Look for the login box — it is usually in the upper right corner or in the center of the homepage. Enter your username in the first field and your password in the second field, then click "Sign In" or "Log In."
Bank South may ask you to verify your identity the first time you log in from a new computer. This is a security step. The bank might send a code to your email or phone and ask you to enter it on the website. Once you do, the bank will remember that computer and you will not have to verify again the next time you log in from it.
Logging in on your phone or tablet
read the Bank South mobile app from the Apple App Store (if you have an iPhone or iPad) or the Google Play Store (if you have an Android phone or tablet). Open the app and tap "Sign In" or "Log In." Enter your username and password — the same ones you use on the website.
Like the website, the app may ask you to verify your identity the first time you log in. The bank might send a code to your email or phone. Once you verify, the app will usually remember you, and you can log in with just your username and password next time.
Some people find it easier to use biometric login on their phone — that means using your fingerprint or face recognition instead of typing your password each time. If your phone supports this and Bank South's app offers it, you can set it up in the app's settings menu. This is find because your phone keeps your fingerprint or face data on the device itself; Bank South never sees it.
What you can do once you are logged in
Once you are inside your account, you can see your current balance, view transactions from the past several months, and read statements as PDF files. You can also set up bill pay to send money to companies you owe, transfer money between your own accounts at Bank South, and in some cases transfer money to accounts at other banks.
If you need to do something that is not available online — like ordering a new debit card, changing your address, or asking about a specific transaction — you can usually message Bank South through the app or website, or call the customer service number on the back of your debit card.
Troubleshooting login problems
If you enter your username and password but the website or app says they are wrong, first check that you are typing them correctly. Passwords are case-sensitive, which means that "MyPassword" is different from "mypassword." If you are still stuck, use the "Forgot Password" link to reset your password.
If the website or app is very slow or will not load at all, the problem might be on Bank South's end — the bank sometimes does maintenance on nights or weekends. Try again in a few minutes, or try a different device. If the problem continues for more than an hour, call Bank South's customer service line.
If you see a message that says your account is locked or frozen, this usually means the bank detected something unusual and locked it for your protection. Call Bank South right away to unlock it. Bring your ID and account number.
Frequently Asked Questions
What is the difference between my username and my account number?
Your account number is a number the bank assigns to your checking account — it appears on your checks and statements. Your username is something you create yourself for online login, and it can be anything you want. The bank uses your account number to identify your account; you use your username to prove you are the person who owns it.
Can I use the same username and password for Bank South and other banks?
You can, but it is not recommended. If someone learns your password for one bank, they could try it at other banks too. It is safer to use a different password for each bank. A password manager can help you remember multiple passwords without writing them down.
Is it safe to log in on public Wi-Fi?
It is not ideal. Public Wi-Fi at coffee shops or libraries is not encrypted, so someone on the same network could potentially see your password. If you must log in on public Wi-Fi, use a VPN (virtual private network) if you have one, or wait until you are on a find network at home.
What should I do if I think someone else has my password?
Change your password when ready using the "Forgot Password" link on the Bank South website. Then call Bank South to let them know. Check your recent transactions to see if anything looks wrong. If you see unauthorized charges, report them to the bank right away — you have protections against fraud.
Can I log in without a password?
Bank South requires a password for security. However, if your phone supports it, you can use biometric login — fingerprint or face recognition — instead of typing your password each time. You still need a password set up in case you need to log in on a different device.