Protect Your Wealth and Start Paying Yourself 

The freedom to live the retirement lifestyle of your choice with more time to spend with your friends and family can make your retirement years truly enjoyable.  However, this is not the time to become complacent about your financial initiatives.  Stay open to new ideas and opportunities to leverage your money, even if you are satisfied with your products and their performance.

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Here are some ways First Southern Bank can help you fortify your financial position during your retirement years:

Take advantage of our interest-bearing checking account for our customers 50 years old and above.

50+ FREE Interest Checking       

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


Southern Advantage Checking      

An account for those interested in higher 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



Conserve time and money with First Southern Bankís convenient checking accounts with online banking and bill pay and no-charge ATM services

First Southern does not charge you fees for using any ATM nationwide.  We will even refund ATM fees charged to you by other banks when using your First Southern Visa Debit Card at their ATM*. 

*Original receipt reflecting fee must be presented to a First Southern Branch within 60 days to receive reimbursement.  Reimbursements are limited to $25 per month per account.

Youíll reduce the time it takes to pay your bills and save on the expense of printed paper checks and postage while helping the environment as well.

Pay bills quickly and easily with free Online Banking with Bill Pay.

No need to spend time writing checks and stamping envelopes. Now, with Online Banking with Bill Pay, it only takes a few minutes and a click of the mouse to conveniently pay your bills.

Please contact one of our Customer Service Representatives to enroll or if you have any questions.


Leave a legacy with a Trust

Our Trust Services are intended for many people at many levels, and we can help you create the legacy you want and administer your assets according to your wishes. 

First Southern Bank Trust Department 301 South Court Street
Florence, AL 35630

Contact Us

Donald Boggan
Senior Vice President & Trust Officer

Sally Ticer Murphy
Assistant Vice President & Private Banker

Toll Free Number: 1-800-625-7131

Relieve your family from making difficult decisions

Decisions about the disposition of your estate, a living will, burial and funeral arrangements can be made now so your wishes will be known and your family will be relieved of making important decisions under duress.

More information or a private consultation, contact one of our Trust professionals.

Rent a safe deposit box

This a convenient place to store important items that would be difficult or impossible to replace.  First Southern Bank's safe deposit boxes offer privacy and in most cases, greater security than keeping your valuables and important documents elsewhere.  Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's safe deposit box instead of at home. 

Contact one of our Customer Service Representatives for information on availability and pricing.



Tips for Effective Financial Management

  • Take advantage of senior discounts wherever you can, and donít be shy in asking for them.
  • Do not invest with someone you don't know. Scams targeted at retirees abound. Your investment opportunities should be carefully researched and verified by reputable professionals.
  • Be informed. From your investments to your insurance youíll want to audit your current portfolio and policies and make the necessary changes to reflect your needs and preferences as a retiree.
  • Create a complete and detailed listing of your financial, investment, insurance and trust products and put a copy in your safe deposit box.
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For help determining the best accounts and products for sound and productive money management during
your Retirement Lifestage, please contact us at 800-625-7131 or