First Southern Bank

Online Banking

Personal Banking

Personal Banking

Personal Loan Products

First Southern Bank can provide you with a personalized lending solution fit for your needs.  With our online application portals, applying for your loan is now even easier!

First Southern Bank has several options of personal accounts and loans for what may suit you best. 

Apply for a Consumer Loan
Apply for a Mortgage Loan


Maximum Checking

$100.00 opening minimum deposit No monthly maintenance fee Interest bearing account with tiered variable rate Unlimited check writing Nationwide ATM refunds* No charge for online banking, 24-hr telephone bankingDebit card with CardValet privileges
Qualifying transactions must post and clear the Maximum Checking account during statement cycle.
Make 12 Mastercard debit purchases ACH Direct Deposit or ACH Debit E-Statements

*ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of the branches and all other qualifying transaction criteria listed above is met during monthly statement cycle. 

Your Choice Money Market

$2,000 minimum opening deposit $12.00 monthly maintenance fee if daily balance falls below $2,000.00 Interest bearing account with tiered variable rateA 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.

Checking 365

$100.00 opening minimum deposit No monthly maintenance fee No minimum monthly balance requirementUnlimited checkwriting No charge for online banking, 24-hour telephone banking eStatements or paper statementsDebit card with CardValet privileges

Certificates of Deposit / IRAs

Minimum initial deposit is $500.00 Variety of terms on fixed market rate Interest paid monthly, quarterly or at maturity of certificate Penalty for early withdrawal

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 the 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 No monthly maintenance fee Interest bearing with tiered variable rate *Must have a High Deductible Health Plan (HDHP) to contribute

Passbook Savings

$50.00 minimum opening deposit Interest bearing with variable rate $4.50 quarterly maintenance fee if the daily balance falls below $300.00. A debit item fee of $1.50 will be charged for each debit transaction in excess of two (2) per quarter

First Time Savings

Available to customers under 18 Years of age $5.00 minimum opening deposit No quarterly maintenance fee A debit item fee of $1.50 will be charged for each debit transaction in excess of two (2) per quarter Interest bearing with variable rate

FSB Christmas Club Savings

$5.00 minimum opening deposit No quarterly maintenance fee Interest bearing with variable rate Unlimited deposits You are not permitted to make any withdrawals from this account prior to November 1st. If we consent to a withdrawal from this account prior to November 1, a $25 early withdrawal fee will apply.

Overdraft Privilege

What is Overdraft Privilege?

Checking account mistakes happen, we're all human. To help protect our customer's from Merchant fees and the embarrassment of having a check returned or a debit card purchase overdraw your account, we offer the additional benefit of Overdraft Privilege. When Overdraft Privilege is used, the overdraft fee of $35 will be imposed for overdrafts created by checks, ACH transactions, online bill items, teller window transactions, teller and internet banking transactions and recurring debit card transactions. A $35 fee will be charged for each one-time POS & ATM transaction(s) if you opt in to extended coverage. This is the same fee that First Southern Bank charges for items returned to the payee due to insufficient funds. If an item is returned because the available balance in your account is not sufficient to cover the item and the item is presented for payment again, First Southern Bank will charge a return item fee each time it returns the item because it exceeds the available balance in your account. If, on representment of the item, the available balance in your account is sufficient to cover the item First Southern Bank may pay the item, and, if payment causes an overdraft, charge an overdraft fee. Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice. You must deposit the full amount of the overdraft within 32 consecutive calendar days, including any fees assessed, and maintain a positive balance for at least one business day to continue to receive the full Overdraft Privilege limit.

Click Here to learn more, or Here to find more of what you need to know.

Overdraft Protection Informational Video

Personal Loan Products

Consumer Loans

Whether you're borrowing money for a car, boat, RV, or any other personal item it's important to consider your options. First Southern Bank offers a variety of options for financing at competitive rates.

Types of Loans Available:
Personal Consumer Loans Personal Lines of Credit New and Used Auto Loans Boat, Motor, Trailer Loans RV Loans Mortgage Loans Construction Loans Home Equity Loans

More information on any of these products can be obtained through our Loan Officers

Personal Lines of Credit

A First Southern Bank Personal Line of Credit will help you plan ahead for unexpected expenses, as well as protecting your checking account from potential overdrafts. Transactions that exceed the balance in your checking account balance automatically access the availability on your line of credit. Contact your local loan officer to discuss how a Personal Line of Credit can benefit you.

Construction Loans

At First Southern Bank, we want to turn your dream house into a reality. Whether you are building a new home, adding on to your existing house or remodeling, we are ready to help. Our construction loan is a convenient and effective way to manage the cost of your project. Stop by your local branch and talk with our loan officer.

Mortgage Loans

First Southern Bank has access to all mortgage loan programs. Let us help you find the program that fits your situation perfectly.  Whether USDA, FHA, VA or conventional, our mortgage specialists will walk you through the process to purchase or refinance your real estate. Our rates and fees are competitive and our service will exceed your expectations. Contact your local branch to schedule an appointment today.

Home Loan Toolkit

This toolkit provides a step-by-step guide to help consumers understand the nature and costs of real estate settlement services, define what affordable means to them, and find their best mortgage. The toolkit features interactive worksheets and checklists, conversation starters for discussions between consumers and lenders, and research tips to help consumers seek out and find important information.

NMLS Number List

Mobile Home Loans

We finance mobile home loans with land or with share interests within a park community.  Stop by a branch and talk with our experienced loan officers.

Home Equity Loans

Let First Southern Bank turn your equity into availability. Whether you are doing an addition or remodeling your house, consolidating your personal bills or purchasing that item you have always wanted, a Home Equity Line of Credit is a convenient way to fund it. As a bonus, the interest that you pay on your Home Equity Line may be deductible (contact your tax advisor). Contact your loan officer to discuss the details.

CD Secured

A CD secured loan is a great solution for those who want to establish a credit history or in need of credit repair. Terms vary and the interest rate is competitive.

Fraudulent Information for Our Customers

Every day, thousands of people fall victim to fraudulent emails, text messages and phone calls from scammers posing as someone from their bank. Here at First Southern Bank, we want you to know that we will NEVER contact you directly and ask for your full social security number, PINs or one-time passcodes (OTP) for your accounts. The only time we will ask you to provide this information would be to verify your identity when you call US directly. Let us know if you need any assistance we are here to help!
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