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 tax preparation assistance, 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 Roadside Protect, 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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24/7 Call-A-Doc

Save on healthcare services with unlimited access to 24/7 Call-A-Doc physician consults via telephone or video through your TruBenefit Card.


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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.* We are part of Alphalink Alliance, a regional network of 205 ATMs. Customers can use these ATMs with no fees from First Southern.


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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Health and Wellness Services

All First Class Checking members have access to health and wellness savings through TruBenefit Card.**

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Tax Preparation Assistance

File a basic tax return using the online DIY solution or let a tax professional complete your tax return using the mobile app.

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Reduced Check Costs

Save up to 40% on select future check orders with a First Class Checking account.

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Secure Wallet

Secure your wallet with coverage that will reimburse you for some losses if it is lost or stolen.**

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$5.95 monthly account fee +

Benefits are provided by non-affiliated third parties.

+Discounts available
*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, seniors (55 or older), or active duty military as well as for enrollment in Online Statement (maximum discount of $2.00 per account per month).