Merriam-Webster defines belief as a state or habit of mind in which trust or confidence is placed in some person or thing. Belief is not a throw-away buzz-word. It implies conviction, support, and action.
When First Southern National Bank says, “We Believe In You,” it means we also believe certain things about you. We believe that you want to live a life of margin, where you can balance spending, saving, and giving. We believe that you want to make wise financial decisions to enable that kind of living.
Because we believe in you, we are here for you every step of the way.

We believe in Margin

There is little doubt that many are facing financial hardships in our country today.

The statistics* can be startling to look at:
  • 60% of Americans have less than $1000 saved for emergencies (SOURCE)
  • 73% of Americans who die today are $62,000 in debt (SOURCE)
  • 78% of Americans live paycheck to paycheck (SOURCE)
  • One-third of Americans report they have no retirement savings. (SOURCE)
While it can be easy to point the finger and blame the folks living in these circumstances, the truth of the matter is that many Americans lack the basic financial knowledge to avoid these pitfalls.

In fact, in Kentucky, only 30% of individuals tested could pass a basic five-question financial literacy quiz.*

As a financial institution, we believe we are called to meet problems like this head-on. As such we have made it a priority to provide our communities with access to our Financial Literacy Resource Center and to have team members that are willing and able to provide financial coaching.
Because we believe in you, we know that you will put this knowledge to good use as you look to build more margin into your budget and more living into your life.
70% of Americans have less than $1,000 saved for emergencies
56% of Americans aged 55 to 65 have less than $10,000 saved for retirement

We believe YOU

We get it. Saving money is hard. We also know that your future is worth it.

First Southern National Bank makes the hard stuff easier with straight forward savings accounts and innovative solutions that fit your life. Our Statement Savings accounts are easy to understand and even easier to sign up for. They also offer the flexibility a busy life demands with six fee-free withdrawals per month. We also offer Round-Up Savings, so you can automatically round up purchases to the next highest dollar amount and deposit the change directly into a savings account. Just set it and forget it.

We believe You
Spend Wisely

Wise spending should be rewarded with convenient access and generous benefits. A First Southern National Bank checking account comes with both.

Our Online Banking and Mobile Banking App make it simple to access your finances on-the-go. It’s easy to pay bills, transfer money, turn cards on and off, view statements, budget and track your spending, access real-time activity, and so much more. We also offer person-to-person payments and support a wide variety of digital wallets.
First Class Checking accounts come with useful benefits like roadside assistance, identity theft restoration, cell phone protection, and a full-service travel agency, just to name a few.
grandmother and grand-daughter play on tablet

We believe
In Your Plan

Every loan is a leap of faith. You have saved and planned and you believe you are ready to take on the responsibility of a new loan. We, as the lender, put our faith in your plan.

A loan with us in more than just access to the money you need. A loan is the beginning of a relationship, built on genuine care for your financial and personal needs.
Beyond the loan process, we are there to share the wisdom we have gained from decades in banking and thousands of loans serviced. We know what works and what doesn’t because we’ve seen it first hand.
We share that knowledge so that you can know that you are making the best possible decision for your financial future.

We believe In
Your Business

Running a successful business takes planning, patience, and a whole lot of elbow grease. We believe you have what it takes, and then some.

First Southern National Bank is here to support the growth of your business with solutions for working capital, loans, online services, checking, and treasury management.
We pride ourselves on our ability to make fast, local decisions so you can move at the speed of business.
Beyond speed and solutions, our top priority is building a long-term relationship with your business. We know that businesses are really people in the end. Prioritizing relationships built on true care for you and your employees is what makes our approach different.

Treasury Management Solutions

Our Treasury Management Solutions team is dedicated to making businesses of all sizes more efficient. We offer:

  • Digital Banking (online access, online statements, online bill pay)
  • ACH Origination (Direct Deposit Payroll, Vendor Payment, Collect Receivables)
  • Full Outgoing Wire Request Functionality
  • Remote Deposit Capture
  • Check Fraud Protection through Positive Pay
  • Merchant Services to Process Credit and Debit Card Transactions
  • Sweep Account Management
  • Business Debit and Credit Cards

We believe In
True Wealth

We firmly believe that true wealth comes from a life lived in balance.

When you are able to spend wisely and save regularly, it opens the door for you to give generously. We believe that is where true happiness comes from and, more than anything else, we want you to experience that.
Unfortunately, many are unable to live this kind of life because they don’t have the financial freedom that margin can provide. Margin comes from planning and planning is only useful when you have the knowledge and desire to take action.
At First Southern National Bank, we believe we are here to guide you along the path toward true balance and true wealth. To that end, we want to provide you with the information and the resources you need to make wise financial decisions.
We do not take this role lightly because we believe a world full of people living lives of margin is a generous world. And a generous world is one we would all be blessed to live in.