Online Banking

 
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Checking

 

First Southern provides busy business owners with convenient services like QuickBooks compatibility, cash management, and the most competitive rates. Our experienced team is focused on helping Shoals area businesses succeed. In fact, your money stays in the Shoals where we work and live.

Contact us today for more information about Business Banking with First Southern.

 

All Available Options:

Small Business Checking

  • No minimum balance
  • No monthly service charge
  • Only $50 to open
  • 500 monthly transactions free
  • (only $.25 per item thereafter)
  • No charge for coin or currency
  • Return of check images for easy record keeping
  • Free online banking
  • Free bill pay
  • Easy-to-balance monthly statement
  • Free Debit card
  • Free night depository service and drop bag

 

Business Checking with Interest

    Available for Sole Proprietors and Non-Profits

  • Competitive interest
  • No minimum balance to earn interest
  • Only $8 monthly charge if balance falls below $1,000
  • Only $50 to open
  • 500 monthly transactions free
  • (only $.25 per item thereafter)
  • No charge for coin or currency
  • Return of check images for easy record keeping
  • Free online banking
  • Free bill pay
  • Easy-to-balance monthly statement
  • Free Debit card
  • Free night depository service and drop bag

 

Analysis Business Checking

  • Fees may be offset in whole or in part by earnings credit
  • Only $10 maintenance fee
  • Ledger Credit $.20 each / Ledger Debit $.10 each
  • Deposited items $.06 each
  • Competitive Earnings Credit Rate
  • Rate on negative collected balance WSJ Prime + 3%
  • 10% reserve requirement
  • No charge for coin or currency
  • Return of check images for easy record keeping
  • Free online banking
  • Free bill pay
  • Easy-to-balance monthly statement
  • Free Debit card
  • Free night depository service and drop bag

 

Non Profit

  • No minimum balance
  • No monthly service charge
  • Only $50 to open
  • No charge for coin or currency
  • Return of check images for easy record keeping
  • Free Debit card
  • Free Online Banking and Bill Pay
  • Easy-to-balance monthly statement
  • Free night depository service and drop bag

 

Cash Management Services

  • Payroll (Direct Deposit)
  • Preauthorized ACH debits
  • Remote Deposit Capture
  • Electronic Federal Tax Payment System
  • Wire transfers (repetitive and non-repetitive)
  • ZBA Accounts