Online Banking

Message from the President

Welcome to First Southern – where we want to be your bank for life.

Deep roots — home grown. For more than eight decades, First Southern Bank has helped people just like you with all of your financial needs. We started by lending money for homes – and chances are, if your family has deep roots here, too, we might have helped your grandparents or parents with their mortgage needs. Over time, we grew to become a full-service community bank, deeply vested in this wonderful place, and deeply committed to serving the financial needs of Shoals area residents – and beyond.

Times change, and so has banking; we now offer the ability to manage your finances online, and keeping track of all of your financial needs through your computer or phone makes our services fast, safe, secure, and available day and night. But some things at our bank will never change: you are appreciated and valued, and I am proud to say that each person here will work hard to ensure that your experience with First Southern is an enjoyable one. After all, we’re not just your bankers — we’re your neighbors!

Checking, savings and CD accounts; mortgages, consumer loans, commercial banking and Mobile Banking; First Southern is here to provide the banking services you will need for your life. We’re large enough to help, but small enough to take time to smile and say hello. Our roots here are deep, and we are proud to be home grown. We hope you will consider us your bank — for life.



Joseph L. Beaver
President and CEO

Report a lost or stolen Debit card

Lost Debit Card

If you need to report a lost or stolen Debit Card issued by First Southern Bank, please call


Lost Credit card

If you need to report a lost or stolen Credit Card issued by First Southern Bank, please call