Fraud prevention button concept about cybersecurity and credit card protection

fraud prevention button concept about cybersecurity and credit card protection


Identity Theft is the most popular and profitable form of consumer fraud.  It occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.  While First Southern Bank works to protect your banking privacy, you also play an important role in protecting your information.

Here are a few steps you can take to protect your identity:
  • Add your phone numbers to the national Do Not Call Registry at or by calling 1-888-382-1222. Since February 2008, these registered telephone numbers will no longer expire off the list.
  • Examine your credit card and financial institution statements immediately upon receipt to determine whether there were any unauthorized transactions.  Report any that you find immediately to the financial institution.
    businessman analyzing statement
  • Place a fraud alert every 90 days on your credit file at By placing a fraud alert with Experian, you will automatically have alerts placed at Equifax and TransUnion.
  • Each year, you are entitled to one free credit report through or by calling 1-877-322-8228.
    credit history report and score
  • Request a copy of your Social Security statements at to be sure that no one else is using your social security number for employment.
  • Opt out of pre-screened credit offers by calling 1-888-567-8688 or at
  • Monitor your accounts by keeping track of transactions on your accounts and logging in to First Southern Bank’s Online Banking, where you can you’re your activity as it is posted.



  • Do not carry your Social Security card in your wallet.
    identity theft stamped social security card
  • Do not have personal information such as your Social Security number and driver’s license number printed on your checks.
  • Keep your new and cancelled checks in a safe place.
  • Do not leave your purse, wallet, checkbook, or any other forms of identification in your car.
  • Shred or tear up any documents containing banking or credit information, especially pre-approved credit offers, before you throw them away. To opt out of pre-approved credit card offers, call 1-888-567-8688.
    vertical strips of paper forming the words identity theft
  • Keep your PIN’s and passwords a secret. Do not write them down or share them with anyone.

More information about the different types of fraud, malware and cybersecurity trends is located on your Security page and provides more tips on how to protect yourself online.

Contact us immediately at 1-800-625-7131 or (256)718-4200 if you notice any suspicious or unusual activity related to any of your First Southern Bank accounts.


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