We offer a variety of checking options, each designed to meet specific customer needs. At First Southern, the friendly, personal service of a community bank comes standard with the latest in banking and financial services.
All checking accounts come with a Free Master Money Debit/ATM Card that can be used at any ATM in the world for free.
Free high-interest checking account with FREE ATM usage worldwide and no minimum balance requirements.
- Earns 2.53% APY*
- No minimum balance requirement
- FREE online banking
- Summary
- Free, high-interest checking account
- 2.53% APY* on balances up to $25,000
- 1.10% APY* on portion of balance over $25,000
- No monthly maintenance fee
- No minimum deposit to open
- No minimum balance requirement
- FREE ATM usage worldwide
- FREE online banking (bill pay available)
- FREE MasterMoney debit/ATM Card
- FREE telephone banking
*APY = Annual Percentage Yield
- Qualifications
Qualifying for the First Rewards rate could be the easiest thing you do all month. Here's all it takes:
- Receive eStatements instead of paper statements
- Make a minimum of 10 signature-based MasterMoney Card transactions each statement cycle
Pretty simple. But if you don't meet the qualifications one cycle, no worries. Your First Rewards Checking account is still free and earns interest on the entire balance at 0.10% APY*. And you can earn the rewards again the very next month!
- More Info
2.53% Annual Percentage Yield (APY) paid on First Rewards Checking balances between one penny and $25,000, and 1.10% APY paid on all amounts above $25,000 each cycle the qualifiers are met. No minimum deposit required. No monthly service charge. Qualifiers: personal accounts only; minimum ten signature-based MasterMoney card transactions per monthly cycle; and receive monthly electronic statements. The qualifiers must be met one business day prior to the last business day of the statement cycle. Rates effective as of 07/14/2010 and are subject to change.
First Choice Checking
Show DetailsHide DetailsUnlimited check writing and free online banking with no minimum balance requirements.
- $9 monthly service fee
- Unlimited check writing
- No minimum balance
- Summary
- No minimum deposit to open
- No minimum balance requirement
- FREE online banking (bill pay available)
- FREE ATM usage worldwide
- FREE MasterMoney debit/ATM Card
- FREE telephone banking
- FREE bank style checks
- FREE traveler's checks
- FREE official checks (limit three per cycle)
- Your choice of eStatements or paper imaged statements
- Maintenance fee of $9 per statement cycle
FREE Student Checking
Show DetailsHide DetailsOur FREE Student Checking is exactly what it sounds like: unlimited check writing with no maintenance fees.
- No monthly service fee
- No minimum balance
- FREE debit card
- Summary
- No monthly maintenance fee
- No minimum deposit to open
- No minimum balance requirement
- No First Southern charge to use other banks' ATMs
- FREE online banking (bill pay available)
- FREE MasterMoney debit/ATM Card
- FREE telephone banking
- FREE eStatements
And one more thing...Go Eagles!
Advantage Checking
Show DetailsHide DetailsThis perk-filled, interest-bearing account is available to our customers age 50 and better.
- Interest bearing account
- No fee with $300 balance
- FREE checks
- Summary
- Earns interest on balances of $300+
- $6 monthly maintenance fee waived with daily balance of $300+
- FREE ATM usage worldwide
- FREE online banking (bill pay available)
- FREE MasterMoney debit/ATM Card
- FREE telephone banking
- FREE bank style checks
- FREE traveler's checks
- FREE official checks (limit three per cycle)
- Your choice of eStatements or paper imaged statements
FREEdom Checking
Show DetailsHide DetailsEnjoy your checking freedom! There are no strings attached on this totally free checking account.
- No monthly service fee
- No minimum balance
- FREE online banking
