No two businesses are just alike, so why would we expect all businesses to use the same checking account? First Southern is proud to offer a variety of checking options to fit the individual needs of your business.

Solutions for how you do business

We offer a variety of business accounts – from very basic accounts for small or start-up businesses, to all-inclusive accounts that can help large corporations manage everything from payment collection to payroll.

This account is the total package. It includes exclusive access to legal services, remote support, healthcare savings, discount opportunities, and more.

Click here for program details.

Total Business Analysis Checking

All the benefits of Total Business Checking and fees are based on your transaction usage. You can also earn credits that may offset the fee.

Click here for program details.

Community Business Checking

This account is specially tailored to the specific needs of the non-profit groups that are integral to the futures of our communities.

First Business Checking

Ideal for the small or start-up business, this account has no monthly balance requirement and no minimum balance fee.

Business Checking Analysis

This account is made for customers with moderate to high transaction volumes that only want to pay fees based on transaction usage. You can also earn credits which may offset the fee.

Commercial Money Market

Our Commercial Money Market account provides tiered interest rates and six fee-free transfers permitted per statement cycle.

Business Checking
Total Business Analysis
Community Business Checking First
Business Checking
Business Checking Analysis Commercial Money
Free Business Debit Cards*
Free Online Banking and Bill Pay**
Free Online Statements
Free Telephone Banking
No minimum balance fee
$50 minimum deposit to open
Monthly Account Fee
Up to 175 free monthly transactions (checks, deposits, items deposited and manual debts). Excessive Transactions Fees apply.
TruBenefit Card with Call-A-Doc~
Legal Club of America’s® Small Business Plan†
Discount Opportunities for Office Supplies and Printed Materials†
Discount Shopping and Entertainment Service~
Two free stop payments per billing cycle
Warranty Registration Service†
Discounts on Website Development†
One free outgoing wire transfer per billing cycle
Analysis Fees – Fees bases on transaction usage. Earnings credits may offset the analysis fee.
Interest Bearing
Wave Treasury Management fee for 99+ ACH items
Waive $5.95 monthly fee if $1000 or more in debit card purchases per statement cycle
*Up to 5 Free Business Debit Cards for account signors.
** Additional charges may apply for text messages, alerts, and third-party carrier fees, etc.
†Benefits are provided by non-affiliated third parties.
~Benefits are provided through TruBenefit Card. To access the TruBenefit Card, all Total Business and Total Business Analysis account holders will need to register at no cost

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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