We’re focused on finding ways to better serve you. That’s why First Southern National Bank offers value-added services to all checking account holders.

Round-Up Savings

Round-Up Savings makes saving money automatic and easy. When activated, this service rounds up every First Southern debit card purchase to the next whole dollar amount and deposits the difference in a Statement Savings account. Over time, all those small deposits can add up!

Here’s how it works:

Morning Muffin Lunch with Friends Total Daily Savings
Purchase Price $2.25 $34.15
Rounded Up To $3.00 $35.00
Savings Deposited $0.75 $0.85 $1.60
This service is offered FREE to all First Southern Checking account holders, so give us a call (866-602-3762) or stop by a branch and start saving the easy way with Round-Up Savings.

Overdraft Protection Services

No one is perfect. We help you avoid the embarrassment and potential fees from bounced payments with our Overdraft Protection Services.

Overdraft Protection Services

We offer many different ways to help you avoid the hassle and embarrassment of a returned check or denied payment due to non-sufficient funds. We offer free Online and Mobile Banking to all customers so you can keep up with account balances and activity anytime from anywhere. Online and Mobile Banking also allow you to transfer funds between accounts quickly and easily. Still, overdrafts do occur, and when they do, we offer additional protection and options to help ensure that your payments go through as you intended.

In an effort to keep your account from becoming overdrawn, you can authorize us to make automatic transfers to and from various deposit accounts for only $5.00 per transfer. With your authorization, Transfer Protection will take place automatically, without requiring you to make a call or other special arrangements. Funds are typically set up to transfer in $50 increments but may be customized to your preference. Transfer Protection is available to all First Southern checking account customers.

If you have overdrawn your account by a check, ACH electronic payment, ATM withdrawal, teller window transaction, or point-of-sale debit card transaction, Special OPS may cover your transaction even though you do not have enough money in your account. In addition to having a negative account balance, you will incur a $34 overdraft fee, with a max of $170 per day. However, you will not incur any merchant fees. If you have established Transfer Protection to cover a negative balance through an automatic transfer from another deposit account or a personal line of credit, the Bank will access funds from these sources before using your Special OPS overdraft limit. Special OPS is available to all qualified Online Checking, First Class Checking and Traditional Checking account holders.

You should make every attempt to bring your account to a positive balance within 24 hours. In order to continue to qualify for Special OPS protection, you will need to bring your account to a positive balance within 35 consecutive days of being overdrawn. Failure to do so will result in the removal of Special OPS.

While there are benefits to Special OPS, please be advised that there are risks associated with using this service and you are encouraged to manage your account responsibly. Please contact us for more information.

Enrollment in Special OPS does not guarantee that we will always pay your transaction when you do not have sufficient funds to cover the transaction. Circumstances that may prompt this action would be suspect fraudulent activity within the account.

Contact us to let us know you think establishing a Line of Credit is right for you and we’ll connect you with a First Southern loan expert to help analyze your needs, explain your options and answer your questions.
Transfer Protection
Link to a savings account, checking account, or personal line of credit
$5 per transfer
Special OPS
Overdraft Protection Service
$34 per item, up to $170 per day

Traditional Banking Services

We offer the services listed below and many more. Contact a team member for more details.

  • Debit Mastercard®
  • Stop Payments
  • Wire Transfers
  • Notary Service
  • Credit Cards
  • Safe Deposit Boxes
  • Official Checks
  • Automatic Transfers
  • Check reorders
  • Direct Deposit
  • Telephone Banking