Personal Checking

Totally Free Checking
(Plus, receive up to $25 for your old checks and debit card!)







Three easy questions to help you decide which account is best for you.
See the box below for recommendations, or browse all available options at the bottom of the page.









All Available Options:

Totally FREE Checking       (top of page)
A FREE account for everyone!
  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Unlimited Check writing
  • Easy-to-balance Monthly statement
  • Return of check images for easy record keeping
  • FREE ATM/Debit Card
  • FREE Online Banking and Bill Pay
  • FREE money for your old checks and debit card




50+ FREE Interest Checking       (top of page)
FREE for customers 50 and over!
  • FREE Personalized Checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Unlimited Check writing
  • Easy-to-balance Monthly statement
  • Return of check images for easy record keeping
  • FREE ATM/Debit Card
  • FREE Online Banking and Bill Pay
  • FREE money for your old checks and debit card




VIP FREE Interest Checking       (top of page)
FREE checking with the convenience of direct deposit or any automatic payment!
  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Unlimited Check writing
  • Easy-to-balance Monthly statement
  • Return of check images for easy record keeping
  • FREE ATM/Debit Card
  • FREE Online Banking and Bill Pay
  • FREE money for your old checks and debit card




Southern Advantage Checking       (top of page)
An account for those interested in higer interest!
  • Free Personalized Checks
  • Higher interest rates with balances of $2,500 or more
  • Competitive interest if balance falls below $2,500
  • No per check charge
  • Unlimited Check writing
  • Easy-to-balance Monthly statement
  • Return of check images for easy record keeping
  • Only $8 monthly charge if minimum balance falls below $1,000
  • FREE ATM/Debit Card
  • FREE Online Banking and Bill Pay
  • FREE money for your old checks and debit card




Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and
regulations apply. Minimum opening deposit is only $50. Ask us for details.

 *
First Southern Bank   |   301 S. Court Street   |   Florence, AL 35630   |   800-625-7131

* Transaction Account Guarantee Program
First Southern Bank is participating in the FDIC's Transaction Account Guarantee Program. Under the program all noninterest-bearing
transaction accounts with the exception of the two account types noted below are fully guaranteed by the FDIC for the entire
amount in the account through December 31, 2010. Our Southern Advantage Checking and Business Checking with Interest products
with a balance in excess of $2,500 are ineligible for the Transaction Account Guarantee Program. Coverage under the Transaction
Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.




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