First Class Checking comes with cellphone protection, roadside assistance, and identity theft restoration services, so you can spend less time worrying and more time perfecting silly faces.


First Class All The Way

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.


We know you have plenty to worry about each day, so we designed our First Class Checking accounts with benefits that ease worries and save you time.

Roadside Assistance

Our toll-free dispatch services, administered by Nation Safe Drivers, are available 24/7.

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Cell Phone Protection

Cell Phone Protection will reimburse account holders for damage or theft of eligible cellular wireless telephones.**

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Identity Theft Restoration

24/7, 365 days per year access to qualified advocates who will work to restore your identity and prevent future incidences.

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Full-Service Travel Agency

Includes agent airline fare guarantee, personal preference profile, full online travel and reservation booking services, discounts and more.

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No First Southern ATM Fees

No ATM Fees assessed by First Southern National Bank when you use a non-First Southern ATM.*

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Shopping & Entertainment Discounts

Shopping and Entertainment Discounts from thousands of local and national vendors in 15 shopping categories.

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Accidental Death & Dismemberment Insurance

Receive up to $5,000 benefit for injury or loss of life as a result of a covered event, and up to a $20,000 benefit for loss of life as a result of a covered accident.**

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Warranty Registration

Warranty Registration allows you to store and access key information about your warranties and the coverage they provide with our easy online system.

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Price Protection

If you purchase a new item and within sixty days you find the item advertised at a lower price, we will reimburse you the difference.

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$5.95 monthly account fee

Benefits are provided by non-affiliated third parties.

*You may still incur fees from the ATM owner. **Subject to terms and conditions.

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First Southern is proud to offer special pricing to First Class Checking account holders who are veterans or seniors (55 or older) and for Online Statement enrollment (maximum discount of $2.00 per account per month).