First Southern Bank offers all the financial assistance your business will need.
Business Accounts
Business Checking
$250.00 minimum opening deposit No monthly maintenance fee No minimum monthly balance requirement Unlimited cash depositsUnlimited check writing Debit Card with CardValet privileges
Business Now
Available for sole proprietorships, qualifying non-profit organizations and government agencies.
$250.00 minimum opening deposit $10.00 monthly service fee if daily balance falls below $2,500.00 Interest Bearing with variable rate Unlimited cash depositsDebit Cards with Card Valet privileges
IOLTA
Lawyer Trust Account
$250.00 minimum opening deposit No monthly maintenance fee No minimum monthly balance requirement Interest Bearing-**Interest paid to State Bar Association**
Business Savings
$50.00 minimum opening deposit $4.50 quarterly maintenance fee if the daily balance falls below $300.00 Interest bearing with variable rate A debit item fee of $1.50 will be charged for each debit transaction in excess of two (2) per quarterLimited, automated and third party transfers
Business Choice Money Market
$2,000.00 minimum opening deposit $12.00 monthly maintenance fee if balance falls below $2,000.00Interest bearing with variable rate A money market transaction fee of $5.00 will be charged for checks paid in excess of three (3) during a statement cycle and for debit transactions (withdrawals, automatic transfer or payment out of this account) in excess of six (6) during a statement cycle
Other Services
Online Banking with Bill Pay Quickbooks Direct Connect E-Statements Credit card with U-Choose Reward Options Merchant Services Safe deposit box rentals Night deposit drop box
Business Loans
Commercial Real Estate Loans
First Southern Bank wants to help you with your real estate purchase. Whether it's a new office or business location, investment property or farm land, we are ready to make it happen. Talk with your local loan officer to discuss the details of your need.
Commercial Construction Loans
As a locally owned community bank we are dedicated to helping local businesses succeed and grow. We take the time to understand your business, and we strive to develop options that are tailored to your individual business needs.
Equipment Loans Land Purchase Small Business Loans Lines of Credit Agriculture Loans Business Lines of Credit Commercial Real Estate Loans Commercial Construction Loans
Business Lines of Credit
Does your business need to alleviate cash flow shortages, need to purchase equipment or just prepare for future growth opportunities? First Southern offers Business Lines of Credit for your flexible borrowing needs. Call today and find out how First Southern Bank can help you realize your business dreams.
Agriculture Loans
Agriculture is a prominent industry in our area. First Southern Bank is ready to talk about your crop production loan or equipment purchase that will make your operation run better. Our local farmers are important to First Southern Bank and our community. Contact your local office to schedule a time to meet with you.
Small Business Loans
First Southern Bank is happy to partner with small business owners in our community. If you are looking to purchase a new location, purchase equipment or just need some working capital, let First Southern work with you to make it happen. Contact your loan officer today and let's make it happen.
Equipment Loans
Let First Southern Bank help you with your equipment purchase. We will finance the purchase of any equipment necessary for your business no matter how large or small. Our rates and terms are competitive and you will be happy with the service your get from First Southern.
Cash Management Services
*Wires
Need your money to get there quickly and securely, send your wire via business online banking, when timinig matters.
*ACH Origination
Eliminate paper checks and automate your payments. Use ACH to direct deposit payroll for your employees, pay bills and make tax payments.
*Remote Deposit Capture
Remote Deposit Capture from First Southern Bank makes depositing checks convenient and easy. Simply scan your checks using a scanner we provide, validate your deposit total and submit your checks online for processing.
Check Positive Pay
Helps prevent check fraud by alerting you of suspect items or exceptions each business morning. Positive Pay compares checks that you have written with checks that are clearing your account. We provide you the exception report via business online banking and give you the control to pay or return the check.
Business Online Banking & Bill Pay
Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check.
Administer three (3) levels of authorized users with dual control features. Pay any person or company in the U.S. except court-ordered payments and state and federal tax payments. Receive and pay e-Bills online. Schedule repeating payments. Electronically link invoice and credit memo information with your payments.
eStatements
Need your statement Quick?
How about last month's? Eliminate the need for organizing them with free paperless eStatements. You will not only reduce your paper burden, but will also increase the privacy of your financial documents.
Your eStatements will arrive sooner than mailed statements each month and are accessible from any online computer so you never have to dig through a filing cabinet! They look like the paper statements you receive in the mail; they just arrive sooner and don't require any filing!
Receive statements sooner Reduced chance of identity theft Safer than mailed statements Save on paper waste View past statements Accessible online anytime Download/print easily
Merchant Services
In today's society, most customers will prefer the convenience and safety of purchasing with electronic payment. Our Merchant Services program will allow you to accept all major credit card brands including VISA, MasterCard, American Express and Discover. The charges are automatically transferred into your account. The cost for this service is competitively priced and the service will exceed your expectations. Let us talk with you about how we can help you with your merchant program. *Click Here to Learn More*
Online Cash Management
Click here to login to Cash Management.