person typing on laptop computer with financial icons overlaid on image

Online & Mobile Banking Guide

Online Banking

Two Ways to Enroll

Self-Enroll

Visit www.firstsouthern.com and click New Enrollment in the Online Banking Sign-In box, and:

1. Accept the Terms and Conditions

2. Enter the requested information

3. Click Send email verification*

4. Open the email you receive and click on the link*

5. Make note of your temporary 12-digit User ID (you’ll be able to change this later!)

*Please note that the enrollment process must be completed within the same browser session and on the same computer within one hour.


Or, call Customer Service at (256) 718-4200 for assistance.

Your Online Banking "My Web Teller" Page

At firstsouthern.com go to the Online Banking Sign-In box to enter your temporary 12-digit User ID and click log-in. Enter the last four digits of your Social Security number as your password, then click Submit.

Now you’re just six steps away from taking charge of your finances!

Step One: Change your password (required)

Step Two: Change your User ID (optional)

Step Three: Select a personal image

Step Four: Select and answer three security questions

Step Five: Enable password reset option in yourOptions tab

Step Six: Select Mobile Setting under your Options tab to enter a mobile phone number to receive important security verification codes via text (this additional security measure will be used in the setup of other Online Banking features to verify your identity).

When you have completed these steps return to your Online Banking “My Web Teller” page to get started.

Below provides a convenient, configurable financial snapshot.

 

Your Online Banking "Accounts" Page

The “Accounts” page offers several account management options which are easily accessible using the Select Option drop-down menu or by clicking on the account name.

From this page you can:

  • View transaction details
  • Choose number of transactions displayed
  • Search by account, date range, amount, check number, debits or credits
  • Transfer funds
  • View check and deposit images
  • Download transactions to financial management software or a spreadsheet
  • View statements
  • Initiate stop payments
  • Sort columns to customize view

Options

Customize your Online Banking experience by clicking on
the Settings tab, where you’ll find the following options:

Personal

  • Change your email address
  • Change your password reset question & answer
  • Customize your personal authentication image
  • Change your Online Banking User ID
  • Change your password

Account

  • Assign nicknames to your accounts

Display

  • Set defaults for displaying account information and confirmation options

eStatements and eNotices

eStatements and eNotices are environmentally friendly, safe, secure and accessible. If you’d prefer to receive your account statements and notices electronically, click on the eStatement tab within Online Banking to start the enrollment process.

Enrollment Process

Step One: Click Details to see which accounts and document types you can enroll. Remove the check boxes from any documents you wish to receive on paper.

Step Two: Make sure your email address is correct. If not correct, please update in the space provided.

Step Three: Enter a word or words that you will recognize.  This is called your eStatement security phrase. Emails from us regarding eStatements will contain this phrase.

Step Four: This step is your key to knowing if you’ll be able to read eStatements online. You must have Adobe® Reader 6.0 or higher installed on your computer. To see the passcode, click on the link provided. In the center of the PDF you will see a passcode word. This word is case-sensitive. Make a note of the passcode. Return to the enrollment screen and type the passcode into the field provided. After enrollment, you will no longer need the passcode from this step

Step Five: Read our Terms and Conditions and check the box that reads “I agree.” Finish by clicking the submit button.

You’ll soon receive an email from First Southern Bank confirming your enrollment. When your statements are ready or you have a notice available, we’ll send you an email containing your security phrase and a message that your document is ready for viewing. We’ll store up to 18 months of statements and notices for your easy access and management.

Bill Pay

Pay bills quickly and easily with Bill Pay. No need to spend time writing checks and stamping envelopes. With Online Banking with Bill Pay, it only takes a few minutes and a click of the mouse to conveniently pay your bills. To sign up, log in to your online banking account at www.firstsouthern.com. Then click the “Bill Pay” link to access the enrollment form or call us at 855-402-7815. You can also find helpful links in our Bill Pay section of our website to watch our demos for a Bill Pay overview, to schedule a payment, or learn how to pay a person (P2P).

Alerts

Keep tabs on your finances with handy Online Banking alerts! On the Options tab, click Alerts. From here you can schedule your own customized alerts for:

Events like incoming direct deposits, funds transfer information or statement notifications

Balance so you’ll know when an account reaches a certain threshold

Items including cleared checks

Personal reminders of important dates like upcoming birthdays and anniversaries.

For each alert choose to be notified by email, via text message, or upon login to Online Banking by checking the Email, Text or Login boxes. Alerts can be sent to any valid email address.

Mobile Banking

First Southern Mobile Banking is fast, flexible and full of features designed for your on-the-go lifestyle. Optimized for your iPhone or Android smart phones and your iPad tablet, Mobile Banking with our app or your device’s browser offers security and convenience at your fingertips. If your mobile phone or iPad doesn’t have Internet access, you can still access your accounts via Text Banking.

Features

  • View account balances
  • View transaction history
  • View alerts
  • Pay bills
  • Pay Individuals (P2P)
  • Transfer funds between accounts
  • Find a First Southern Bank location near you

Just download the free First Southern Bank app from iTunes or Google Play or visit firstsouthern.com on your mobile browser! Remember that your wireless provider’s web access charges may apply.


Mobile Banking Enrollment for Browser and Text

  • Log in to Online Banking, and select the Options tab
  • Select Mobile Settings
  • Select Web Mobile Settings or Text Mobile Settings
  • Click to enable web or text access on your mobile device
  • Select to receive/not receive text message alerts for web banking*
  • Enter your mobile number
  • Select your wireless provider
  • Select the accounts you’d like to access on your mobile device
  • For text banking create mobile short names for each selected acct.
  • Click Submit
  • Review your information and accept the Terms and Conditions
  • Click Confirm to see instructions on completing the enrollment process

*Charges and Fees may apply from your cellular provider.


List of Text Commands for Text Banking

Text the following command to 89549:To receive the following information via text:
BALBalances for all eligible accounts
BAL + Acct. Short Name (example: BAL SAV) Balance for the selected account
HISTLast four transactions posted in the last 15 days to all eligible accounts
HIST + Acct. Short Name (example: HIST SAV) Last four transactions posted in the last 15 days to the selected account
HELPList of all commands
STOPDisables Enrollment

Mobile Deposit

With Mobile Deposit, you can deposit checks using the camera on your iPhone or Android phone!

It’s easy to make a Mobile Deposit!

1. Log in to Mobile Banking using the First Southern Bank app on your mobile phone or tablet
2. Select the Deposits icon
3. Accept Terms & Conditions/Enroll
4. Select “Deposit a Check.”
5. Tap “Check Front” to snap a photo of the front of your check using your device camera, then select Use if the photo is successful
6. Repeat this process using “Check Back” to capture the image of the back of your endorsed check. Checks must be endorsed “For Mobile Deposit Only.”
7. Enter the check amount and select the account for deposit
8. Select Deposit and you’re done!**

*Funds typically will be available on the next business day for Mobile Deposits made prior to 5:00p.m

FAQs

What is Mobile Banking?

Mobile Banking is a free service that allows you to access your account information, transfer funds and pay bills with your mobile device. It works with any web enabled mobile phone device whose network allows SSL traffic.

What functions can I perform from my mobile device?

  • Locate branch offices
  • View Transaction History
  • View Account Balances
  • Transfer Funds between your First Southern Bank accounts
  • Pay Bills to existing Payees including individuals
  • View Alerts
  • View Statements
  • Make a Check Deposit

How do I enroll in Mobile Banking?

If you are currently enrolled in First Southern Bank’s Online Banking, simply download the First Southern Bank Mobile Banking App from the iPhone App Store or Android Market. If you are a first time user of our Online Banking service or are in the midst of a password change, you must enroll for Mobile Banking via a personal computer rather than your mobile device.

Can I use any mobile device to access my accounts?

Yes. You can use any mobile device that is web-enabled and allows secure SSL traffic. However, SMS text messages will be sent to the mobile device number registered in WebTeller.

Do I use the same user ID and password as WebTeller?

Yes, use the same user ID and password as you do for traditional WebTeller via your personal computer.You can also use your fingerprint to sign in if your phone allows this feature.

Are there fees for the Mobile Banking service?

No, it is free for all of our personal and business customers.

Does First Southern Bank have an IPhone or Android App?

Yes! You can download our app at the iPhone App Store or Android Market by searching for First Southern Bank.

Can I schedule recurring transfers and bill payments using Mobile Banking?

Yes, however, only one time, immediate transfers and bill payments may be entered. Recurring transfers and recurring bill payments must be entered via the traditional WebTeller on your personal computer.

How late in the day can I make transfers?

Transfers can be made at any time. However, please note the transfer cut-off time is 6 p.m. CST during regular bank- ing days, which excludes weekends and holidays. (A list of our observed holidays is available by contacting us.) Any transfer made after 6 p.m. CST will be processed on the next business day.

How do I know if my transfer or bill payment was entered successfully?

If you have selected to receive text alerts, each time you make a transfer or bill payment, a confirmation SMS text message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through via traditional WebTeller. Mobile phone carrier text message fees may apply.

How do I add a new Bill Payment payee?

New payees can only be added through your personal computer via our traditional WebTeller. Mobile functionality is limited to sending payments to already established payees. Once payee is established on traditional WebTeller, you can submit one time payments to that payee via your mobile device.

How do I delete a Bill Payment that I set up through my mobile device?

You must log in to the traditional WebTeller via your personal computer and delete the payment from the Main Menu of the Bill Pay module.

When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers, only letters. Why?

Check your phone’s settings to make sure you don’t have Alpha-only enabled on the keypad.

How do I securely end my Mobile Banking browser session?

Select the “Logout” link to logout of Mobile Banking, then close your browser through your mobile device browsing options. Closing your browser will securely end your Mobile Banking login session.

What if I can’t get my mobile device to work with Internet Banking?

There are a number of reasons that you may experience trouble accessing the mobile version of internet banking on your phone.  You must first enroll in First Southern Bank’s Mobile Banking before you can gain access. These steps were discussed previously. In addition, to use the mobile version of WebTeller, your phone needs to meet the following minimum requirements:

  1. Your mobile device must be web enabled.
  2. Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)

What happens if I lose communication/signal during a transaction?

When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) and you have selected to receive text alerts, you will receive an SMS text message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

What happens if I lose my mobile device?

Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings via traditional WebTeller through your personal computer and make any changes to the wireless provider and/or phone number. For security measures, you should never save your passwords in your mobile device.

What do I need to do if I get a new phone?

If you simply get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your  WebTeller account via your  personal computer and update your  information on the “Options > Mobile Settings” page. You will not receive SMS text messages regarding Mobile Banking transactions if your phone number is not correct.

What if I no longer want to be a mobile user?

Log in to your WebTeller account via your personal computer and select “Options”, then click “Mobile Settings” and “Deselect – Activate Mobile Banking Access”, then click “Agree”.

Is it safe to use Wi-Fi?

When using a personal computer to perform sensitive searches/transactions such as checking your account balance, making a payment, etc. we do not recommend using the free Wi-Fi in a coffee shop or other access points. Use your password protected Wi-Fi at home to safeguard your account.


REPORT A LOST OR STOLEN CARD

If you need to report a lost or stolen debit card issued by First Southern Bank, please call 1-866-546-8273
If you need to report a lost or stolen credit card issued by First Southern Bank, please call 1-866-598-1769