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Checking

Find the checking account that best fits your lifestyle, without the hassle of unnecessary fees.  No matter what your financial needs, we have an account perfect for you.

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

Choose an account below that is right for you.

First Choice Checking

No Monthly Service Fees!!

  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Unlimited check writing
  • FREE Starter checks
  • FREE Online Banking and Bill Pay
  • FREE Mobile Deposit**
  • FREE ATM/Debit Card
  • FREE E-statements (E-statements required)
  • Refund of one overdraft fee per year***

 

50+ Free Interest Checking

No Monthly Service Fees  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

 

VIP Free Interest Checking

No Monthly Service Fee with the convenience of direct deposit or any automatic payment!

  • 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

Basic Checking

  • No minimum balance
  • $6 monthly service charge
  • No per check charge
  • Unlimited check writing
  • FREE Online Banking and Bill Pay
  • FREE Mobile Deposit**
  • FREE ATM/Debit Card
  • FREE E-statements (E-statements required)

Learn about the basics of financial education. Whether you are buying a home, balancing your checkbook, or investing in your 401(k), the resources on www.mymoney.gov can help you maximize your financial decisions.

*First Southern will refund ATM charges received when using your First Southern VISA Debit Card at non-First Southern ATM's if you bring in or mail your ATM receipt reflecting the charge within 60 days from the date of the charge.  Refunds are limited to a maximum of $25 per month on each account.

**Charges and fee may apply from your cellular provider.

***One overdraft fee refunded per calendar year by request.

VISA Alert Service

The Visa® Alert Service sends an alert for every transaction authorization that fits the cardholder’s pre-set parameters, to their mobile phones via SMS text and/or e-mail.

Through the Visa Alerts Service, cardholders have the ability to:
• Closely monitor their Visa credit, debit, or prepaid accounts.
• Check for unusual transaction activity and/or track spending levels right on the spot.
• Take immediate action at the first sign of potential fraud.

Each Visa alert contains important transaction details such as the amount, time, date, alert type and the type of purchase. It also includes the merchant name and location and the currency conversion exchange rate for international transactions.

An alert is triggered whenever a transaction meets a cardholder’s pre-set parameters. All alerts are sent from VisaNet® on behalf of participating issuers when a transaction occurs. 

An Invaluable Tool and Convenient Way to Stay On Top of Things
The Visa Alerts Service offers cardholders a whole new world of advantages:
• Flexible Alert Notification Options – Cardholders can choose to receive alerts via SMS text on a mobile phone device or an e-mail message (if applicable).
• Greater Account Security – Cardholders can receive alerts for Visa transactions in “near” real time and identify potentially fraudulent activity immediately.1

1 Actual time to receive a transaction alert is dependent on wireless service and coverage within area. The Visa Alerts Service may not be available in all areas. Account activity qualifying for the Visa Alerts Service may vary by issuer. Additional terms, conditions and restrictions may apply.

How It Works
To access information about Visa Purchase Alerts, Visa cardholders can visit https://usa.visa.com/pay-with-visa/featured-technologies/purchase-alerts.html . Once enrolled, cardholders can set up specific alert triggers that meet their individual account information needs. Anytime a transaction takes place that meets the Visa cardholder’s defined parameters, he or she receives an alert in “near” real time. Triggers can include:
• Transaction thresholds for spending amount
• International transactions
• Card-absent transactions, such as telephone or Internet orders  
• Declined transactions
• ATM cash withdrawals 
• Gasoline charges 

VISA ALERTS SERVICE
© 2014