Feel the Love

What’s Staying The Same

We know what matters most during a transition: trusted relationships, convenience and personal service.

You can continue to expect:

  • Your local branch will remain open
  • Familiar team members will continue serving you
  • Current branch hours will remain the same
  • Existing loan terms and payment schedules will remain the same
  • Continued local, community-focused service

Transition Timeline

Friday, July 31, 2026

  • Southern Bank digital banking access ends at 5 p.m.
  • Southern Bank debit cards stop working at 9 p.m.
  • Begin using your new Palmetto Citizens debit card at 9 p.m.

Southern Bank Branch Closure Times:

  • Gibson branch closes at 12 p.m.
  • Hephzibah branch closes at 3 p.m.
  • Sardis and Waynesboro branches remain open until 5 p.m.

Saturday, August 1, 2026

  • Update direct deposits using your new account and routing numbers.
  • Update automatic drafts and recurring payments tied to your account.

Monday, August 3, 2026

  • Georgia branches reopen as Palmetto Citizens locations.
  • Enroll in Palmetto Citizens digital banking.
  • Telephone banking becomes available.

Important Information

Account Numbers & Routing Number

Your new account number(s) are included in the welcome letter mailed with your transition packet.

Palmetto Citizens Routing Number: 253978617

Beginning August 1, please update the following using your new account and routing numbers:

  • Direct deposits
  • Automatic drafts
  • Recurring payments

Debit Cards

Customers with debit cards will receive a new Palmetto Citizens debit card in late July.

Please remember:

  • Activate your new card as soon as it arrives.
  • Your new card cannot be used until 9 p.m. on Friday, July 31.
  • Your Southern Bank debit card will stop working at 9 p.m. on July 31.

Debit Card Activation & Assistance: (833) 455-3249 (available 24 hours a day)

Digital Banking

Southern Bank online and mobile banking access will end at 5 p.m. on July 31.

By August 3, you'll be able to enroll in Palmetto Citizens Digital Banking through our website or mobile app.

Please note:

  • Existing recurring transfers must be re-established
  • Future bill payments scheduled through Southern Bank after July 31 will not process
  • Telephone Banking will be available beginning August 3

What’s Getting Even Better

As a member of Palmetto Citizens, you’ll gain access to additional tools, services and benefits designed to help support your financial goals.

Benefits Include:

  • Competitive rates on loans and savings
  • Expanded ATM access
  • Mortgage, auto, RV and personal lending options
  • Business banking and lending services
  • Financial education and resources
  • The advantages of banking with a member-owned financial institution

What Is a Credit Union?

Credit unions offer the same services as banks, but with one important difference: we are member-owned.

Because credit unions are not-for-profit, earnings are reinvested into:

Unlike with a bank, your success is our priority — not paying earnings to stockholders.

About Palmetto Citizens

Founded in 1936 by ten local educators contributing just $5 each in the basement of a Columbia, South Carolina high school, Palmetto Citizens has grown into a trusted financial institution serving more than 87,000 members with over $1.5 billion in assets.

For 90 years, we’ve remained committed to helping people build financial confidence through exceptional service, trusted solutions and community-focused care.

Frequently Asked Questions

Need More Information? We’re Here To Help.

Contact Center (762) 337-6222
Debit Card Activation & Assistance (833) 455-3249

Georgia Branch Locations

Gibson

21 College St.Gibson, GA 30810

Hephzibah

2455 Highway 88Hephzibah, GA 30815

Sardis

731 Charles Perry Ave.Sardis, GA 30456

Waynesboro

855 Liberty St.Waynesboro, GA 30830

© 2026 PCFCU

Routing Number: 253978617
PO Box 5846 Columbia, SC 29250

NCUA logo

Palmetto Citizens Federal Credit Union is federally insured by the NCUA.

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Equal Housing Lender

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