First Southern National Bank

If you suspect that you’re the victim of fraud or identity theft, you should report it immediately.

Wonder if something you’ve received is a legitimate First Southern communication?

Call us right away at 866-602-3762.

Report Email Fraud

If you receive a deceptive email, such as a message phishing for your information, forward it to the party wrongfully being impersonated. If the phishing email appears to be from First Southern National Bank, call us immediately at 866-602-3762.

  • Contact Us
    • Report fraudulent activity on your First Southern accounts by calling us at 866-602-3762.
  • Contact the Credit Bureaus
    • Ask any of the credit reporting companies to put a fraud alert on your credit report. When one credit reporting company is put on alert, they are required to alert the other two. An initial fraud alert can make it harder for an identity thief to open more accounts in your name. The alert lasts 90 days but you can renew it.
      • Equifax: 1-800-525-6285 or
      • Experian: 1-888-397-3742 or
      • TransUnion: 1-800-680-7289 or
  • Contact other creditors. Contact any other creditors, including credit card and phone companies, banks and other lenders, to notify them of potential fraud. Always follow up any telephone conversations with a letter. Close any accounts that have been compromised and reopen them with new account numbers and passwords.
  • File a report with the local police. Contact your local police department if you suspect that your personal information was stolen. A police report will lend weight to your case when dealing with creditors who may require proof of criminal activity.
  • Report the criminal activity to the Federal Trade Commission (FTC). Call the toll-free hotline at 1-877-ID THEFT (1-877-438-4338) to speak with a trained identity theft counselor. Or enter information about your complaint into a secure FTC online database at Your information may be shared with other law enforcement agencies investigating identity theft.
  • Contact other agencies as appropriate:
    • Postal Inspection Service at If you believe your mail was stolen or redirected, notify the Postal Inspector or Postmaster at your local post office.
    • Social Security Fraud Hotline at 1-800-269-0271. If you suspect someone is using your Social Security number for fraudulent purposes, call the hotline.
    • Department of Motor Vehicles office at If you believe someone is trying to get a driver's license or identification card using your name and information, contact your local DMV.
    • Carefully review all your accounts. Since identity theft takes time to completely resolve, you should continue to carefully review all charges and transactions appearing on account statements and online. Any discrepancies should be reported immediately.

If you think you're a victim of identity theft

If you believe you are a victim of identity theft, consider using the checklist from, the federal government’s one-stop resource for identity theft victims. This site provides streamlined checklists and sample letters to guide you through the recovery process.

First Class Checking Account Holders

First Class Checking account holders have 24/7, 365 days per year access to qualified Identity Theft Restoration Privacy Advocates who will provide comprehensive, personalized recovery services to restore your identity and prevent future incidences of identity theft. To access this benefit, visit the First Class Benefits website and login using your First Class Benefits credentials you received at account opening. Alternatively, you may call member services at 888-424-4186.

To report fraud, please call us immediately at 1-866-602-3762 and choose option 1