Checking
For everyday movement of capital.
- Instant domestic & wire transfers
- Multiple sub-accounts per client
- Real-time statements
Checking, savings, escrow and business banking built around the way you actually live that keeps every dollar in view, day or night.
Every Wave account is opened with a dedicated relationship manager and a documented compliance profile.
Two decades of institutional-grade advisory experience.
Get decisions in as little as 48 hours on eligible products.
Bank-grade encryption and multi-factor authentication.
Strategies built around your goals, not templates.
No hidden fees — every cost is disclosed upfront.
Reach a real advisor any day, any time.
Skip the branch line. Endorse your check, take a picture, and funds are typically available the next business day.
Split a dinner, cover rent, or send a gift — even if they bank somewhere else. Money usually lands within minutes.
Add your bills, set a schedule, and we'll send payments out on time — with a reminder before anything's due.
A deposit clears, a bill's due, or a charge looks off — you'll hear about it first, by push, text, or email.
You shouldn't have to think about it. So we do the thinking for you — around the clock.
Every deposit account is protected by the full faith of the FDIC — no action needed on your part.
The same encryption standard banks use for wire transfers protects every session, on every device.
Unusual activity is flagged in real time, and you can freeze a card from the app before you even call us.
Report unauthorized activity promptly and you won't be held responsible for it — period.
SouthernTrust Capital was launched in 1988 by former private bankers, finance enthusiasts and treasury engineers who believed in a better approach: delivering institutional-grade discipline via seamless, time-saving software. Today, we partner with founders, general counsel, family offices, and legal escrow desks in multiple jurisdictions, remaining dedicated to the personal, relationship-driven service we started with.