First Southern National Bank
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Checking Accounts

Every business needs a checking account, but finding one that fits your needs can be challenging. We offer a variety of business accounts – from the very basic for the small or start-up business, to the all-inclusive account that can help even the largest corporation manage everything from payment collection to payroll.

If you are already a Total Business customer, you can login here to access your Total Business Benefits.

Total Business Checking

Exclusive for Total Business Customers, you have access to:

  • Remote Technical Support
  • Legal Club of America's® Small Business Plan
  • Discount Opportunities for Office Supplies and Printed Materials
  • Discount Shopping and Entertainment Service
  • Full Service Travel Agency Service
  • Warranty Registration Service
  • 10% Discount on Website Development
  • Access to Information Security Self-Assessment

Every First Southern business checking account includes

  • Free Visa Business Debit Cards for account signors
  • Free Online Banking and Bill Pay
  • Free Online Statement with check images
  • Free Telephone Banking

A $250 deposit will open this account. Consult a First Southern team member for full details or to discuss an upgrade to our Business Banking Online service.

If your business will have moderate to high transaction volumes, and you use office supplies or are ever in need of technical support, our Total Business Analysis Checking may be the best fit. Service charges are based on account activity.

  • Service fees charged for only the services used*
  • Earnings credit are variable – service fees may be offset by earnings credit
  • Free Visa Business Debit Cards for account signors
  • Free Online Banking and Bill Pay or we can discuss an upgrade to our Business Banking Online service
  • Free Online Statement with check images
  • Free Telephone Banking
  • A $250 deposit will open this account

*Consult a First Southern Team Member for full details

Exclusive for Total Business Analysis Customers:

  • Remote Technical Support
  • Legal Club of America's® Small Business Plan
  • Discount Opportunities for Office Supplies and Printed Materials
  • Discount Shopping and Entertainment Service
  • Full Service Travel Agency Service
  • Warranty Registration Service
  • 10% Discount on Website Development
  • Access to Information Security Self-Assessment

The future of our communities rely heavily on the success of our local churches, non-profits and other public-funded groups. And we know you need an account and a support team to help manage your finances.

  • Service charges are waived for qualifying churches, non-profits and public-funded entities
  • No minimum balance fee
  • Up to 175 free monthly transactions (checks, deposits, items posted and manual debits) with a $.25 per-transaction fee for those in excess
  • Free Visa Business Debit Cards for account signors
  • Free Online Banking and Bill Pay or we can discuss an upgrade to our Business Banking Online service
  • Free Online Statement with check images
  • Free Telephone Banking
  • A $250 deposit will open this account

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

  • No minimum balance fee
  • Up to 175 free monthly transactions (checks, deposits, items posted and manual debts) with a $.25 per-transaction fee for those in excess
  • Free Visa Business Debit Cards for account signors
  • Free online banking and bill pay or we can discuss an upgrade to our Business Banking Online service
  • Free online statement with check images
  • Free telephone banking
  • A $250 deposit will open this account

If your business will have moderate to high transaction volumes, our Business Analysis Checking may be the best fit. Service charges are based on account activity.

  • Service fees charged for only the services used*
  • Earnings credit are variable – service fees may be offset by earnings credit
  • Free Visa Business Debit Cards for account signors
  • Free online banking and bill pay or we can discuss an upgrade to our Business Banking Online service
  • Free online statement with check images
  • Free telephone banking
  • A $250 deposit will open this account

*Consult a First Southern Team Member for full details

Our Commercial Money Market account provides tiered interest rates and access to your funds when you need them.

  • No minimum balance fee for balances of $2,500 or more; $15 monthly fee for exceptions
  • Tiered interest rate is credited monthly
  • Six transfers permitted per statement cycle; $10 excess debit / check fee per transfer over six
  • Free Visa Business Debit Cards for account signors
  • Free online banking and bill pay or we can discuss an upgrade to our Business Banking Online service
  • Free online statement with check images
  • Free telephone banking