Online Banking

Personal Checking Accounts

Personal Checking Accounts

Home-Grown Checking Accounts.

Designed with you in mind.

Managing your money should be easy. But this can only happen when you get a checking account that works for you.
At First Southern Bank, we’ve thoughtfully created checking accounts with our customers’ needs in mind. Whether you want to bank on the go, earn interest, or avoid fees, we’ve got an account that’ll be a perfect fit for you.

Truth is, we have a little insight into your banking needs because we live here, too. We’re right here in the community. We’re your neighbors and friends. And we know how to make banking easy and rewarding for you.


Every checking account includes these valuable benefits:


  • Free eStatements
  • Free Online Banking with Bill Pay, Mobile Banking, and Mobile Deposit*
  • Free Mobile Banking with Android, iPhone, and iPad apps
  • Free First Southern Bank Debit Card
  • Free Starter Checks
  • Unlimited Check Writing
  • Pay a Person: Make person-to-person payments electronically to anyone you choose, such as a landlord, babysitter, or relative.

*Charges and fee may apply from your cellular provider.


First Choice Checking

  • No minimum balance
  • $6 month service charge*
  • FREE Starter checks
  • Refund of one overdraft fee per year***

*can be waived by signing up for eStatements
***One overdraft fee refunded per calendar year by request.


50+ Interest Checking

  • FREE personalized checks
  • Competitive interest rate
  • Return of check images for easy record keeping


Southern Advantage Checking 

  • Free personalized checks
  • Higher interest rates with balances of $2,500 or more
  • Competitive interest if balance falls below $2,500
  • Return of check images for easy record keeping
  • Only $8 monthly charge if minimum balance falls below $1,000


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.

Report a lost or stolen Debit card

Lost Debit Card

If you need to report a lost or stolen Debit Card issued by First Southern Bank, please call


Lost Credit card

If you need to report a lost or stolen Credit Card issued by First Southern Bank, please call