First Southern Bank

Online Banking

Business Banking

Business Banking

Business Banking

Our Business account solutions are tailored with you in mind and will satisfy your business needs.

We offer a wide variety of business products that can help you grow your business.

Scroll down to see our product offerings.

First Southern Bank offers all the financial assistance your business will need.

Business Accounts

Business Checking

$250 minimum opening deposit $2,000 minimum daily balance to avoid $7.50 monthly maintenance fee $2,000 minimum daily balance to avoid $.28 per debit No charge for online banking No charge for 24-Hr telephone banking

Business Analysis Checking

$250 minimum opening deposit No minimum balance requirement No charge for online banking No charge for 24-Hr telephone banking

Business Savings

Passbook Savings:
$50.00 minimum opening deposit Variable interest rate Limited automated and third party transfers A check paid fee of $1.50 will be charged for each debit transaction in excess of two (2) withdrawals per quarter $4.50 quarterly maintenance fee if the daily balance falls below $300.00

Health Savings:

A Health Savings Account (HSA) in conjunction with a high deductible health plan (HDHP) is a new way to lower your health care costs. It's a tax advantage account that can be used to pay for day-to-day eligible medical expenses. Your HSA is also an excellent way to save for retirement as the money in your account continues to grow tax free, year after year.

$100 minimum opening deposit Tiered variable interest rate No monthly maintenance fee

Money Market Accounts

$2,000 minimum opening deposit Interest bearing account with variable rate Limited transactions $12.00 monthly maintenance fee if balance falls below $2,000

Business Loans

Commercial 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 Building Purchase/Refinance Small Business Loans Lines of Credit Professional Loans Agriculture Loans Business Lines of Credit Commercial Real Estate Loans Commercial Construction 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.

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. 

For Information on the Small Business Administration's (SBA) Coronavirus (COVID-19) Disaster Relief Lending Program, click  here.

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.

Line 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.

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

ACH Cash Management

Your 24-Hr banking connection. With Cash Management your business has immediate access to a wide range of banking services.

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.

Business Bill Pay Informational Video

Business Online Banking Informational Video

Remote Deposit Capture

With remote deposit capture you no longer have to leave your office to make deposits. Using a simple desk-top scanner and the internet, you can scan and submit checks electronically from the convenience of your office. Deposits can be made anytime of the day or night* with RDC.

Improved cash flow Increased productivity Safe handling of checks Convenient, no hassle banking

*Deposits made after 3pm will be credited the next business day


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*

Merchant Capture Informational Video

Online Cash Management

Click here to login to Cash Management.

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