The SOUTHERN INDEPENDENT BANK All Credit Levels is a cdfi lender from SOUTHERN INDEPENDENT BANK. Signup bonus: $30 in refunds When you open your account* $15 in refunds Every month*. Rewards: 3.00 % Cash Back On debit card purchases* Up to $9 Per month*. Southern Independent Bank is a locally owned bank based in Opp, Alabama, dedicated to serving the financial needs of its community. The bank offers a range of personal and business lending services, including personal loans and business loans, while focusing on customer well-being and convenience. Services include: personal loans, business loans. US Treasury certified CDFI Bank/Thrift in Opp, AL.