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*Email address 
*Account number (s) 
Would you like Online Banking? Yes or No

An email will be sent to you within 48 hours with your temporary User Id and Password. Use this logon and then you will be prompted to change it. Email will come from ibcustomerserv@1stsouth.com.

Would you like Bill Pay? Yes or No             
Use our website to pay any or all of your bills. Our site is very secure and services are free. Go under bill payment tab to access.
Would you like mobile Banking? Yes or No

Choose this free service by accessing your Online Banking, click on the options link at the top of the page, scroll down to Mobile Banking and click on edit. List your cell number, carrier, and choose a pin. Wireless Data charges will apply. Also available is Premier Messenger where you can setup alerts to notify you via cell phone if a check has cleared or if a balance falls below a threshhold.

Would you like E-Statements? Yes or No    

Complete this only if you no longer want to receive paper statements.   

A very convenient way to view your statements. You will receive an email monthly and your statements will be saved for 18 months for your access. A temporary password is shown below. You will be prompted to change this when logging on. Please confirm the email you receive by clicking on the link and accepting the terms. Email will come from confirmation@estatementsolutions.com

USER ID         

(3 or more characters in length, numbers and or letters)

PASSWORD      bank952 

(Temporary you will be prompted to change it )

"Lost Password Question (choose one)"

What is your mother's maiden name?  
In what city or town were you born?  
What is the name of your pet?         
By submitting application I agree that I have read and understand the attached terms and conditions.   


Depositor:                                                                             Financial Institution:



This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services.  Electronic funds transfers are electronically initiated transfers of money involving an account at the Financial Institution.  The following disclosures set forth your and our rights and responsibilities concerning the electronic funds transfers.  In this Agreement, the words “you” and “your” mean those who sign as applicants or any authorized user(s).  The words “we”, “us” and “our” mean the Financial Institution.  The abbreviation “PIN” or word “code” means a personal identification number.

Consumer Internet Banking Application


Types of  Transactions:  You may access certain account(s) you maintain with us by computer using your assigned user ID and password by accessing the online banking service.  You may use the online banking service to perform the following functions:

ransfer Funds Between Eligible Accounts.

·          Obtain Balance Information on Eligible Accounts.

·          Review Transactions on Eligible Accounts.

·          Make Loan Payments.

·          Stop Payment Requests.

·          Advance Funds From Credit Line.

·          Request Withdrawal From Savings Account.

·          Online Bill Payment.


Fees and Charges for Online Service:

·          There is no charge for online banking with us.


Other EFT Transactions:  You may access certain account(s) you maintain with us by other EFT transactions types as described below.


        Electronic Check Conversion.    You may authorize a merchant or other payee to make a one-time electronic

        payment from your account using information from your check to pay for purchases or pay bills.  Electronic check                                                                                                                                                                                                        

        conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your                       

        check to gather routing, account, and check number information to initiate a one-time EFT.  When information from your check

        is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your

        payment.  This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and

        this disclosure.  A description of the transaction will appear on your statement.                       


Re-presented Check Transactions and Fees.    You may authorize a merchant to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient or unavailable funds.  The resulting fee transaction if debited as an EFT from a consumer account is covered by the Electronic Funds Transfer Act or this disclosure.  A description of the transaction will appear on your statement. 


The following limitations may be applicable to your accounts, except as provided by law:


Liability for Unauthorized MasterCard Point of Sale Debit Card Transactions.    Tell us, AT ONCE, if you believe your  MasterCard point of sale debit card has been lost or stolen or of any unauthorized transactions.  Your liability for unauthorized use of your point of sale debit card with the MasterCard logo when it is used as a MasterCard point of sale debit card will not exceed (A) Zero dollars ($0.00) if the conditions set forth below have been met, or (B) if those conditions have not been met, the lesser of fifty dollars ($50.00) or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us.  Zero liability will apply only if:   (1)  you can demonstrate that you have exercised  reasonable care in safe-guarding your card from risk of loss or theft; and (2)   you have not reported two or more incidents of unauthorized use to us within the preceding twelve  (12)  months;  and (3)  your account is in good standing.  These liability limits apply only to United States issued MasterCard branded cards.  If the transaction does not meet the conditions set forth above, these limits with respect to unauthorized transactions may be exceeded to the extent allowed under applicable law  (see Liability for Unauthorized Transfers paragraph below).  For specific restrictions, limitations and other details, see your Cardholder Agreement.  “Unauthorized use” means the use of your point of sale debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and for which you receive no benefit.  To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth below.  This will help prevent unauthorized access to your account and minimize any inconvenience. 


MasterCard is a registered trademark of MasterCard International Incorporated. 


In addition to the limitations set forth above, the  following limitations may be applicable to your accounts:


Liability for Unauthorized Transfers.    Tell us AT ONCE if you believe your online banking PIN has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check.  Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your account (plus your maximum overdraft line of credit).  If you tell us within two (2) business days after you learn of the loss or theft of your card or code, you can lose no more that $50.00 if someone used your card or code without your permission.  If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or code, and we can prove that we could have stopped someone from using your card or code without your permission if you had told us, you could lose as much as $500.00.  Also, if your statement shows transfers that you did not make, including those made by card code or other means, tell us at once.  If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.  If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (866) 658-5219, or write us at First South Bank, 809 West Market St, Bolivar, TN  38008.  You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.


Business Days.    For purposes of these electronic funds transfer disclosures, our business days are Monday through Friday.  Holidays are not included.


Stop Payments on ATM, POS, or Debit Card Transactions.    You may not place a stop payment order on any ATM, POS, or debit card transaction.




         Periodic Statement.    You will get a monthly account statement from us, unless there are no transactions in a    

         particular month.  In any case you will get a statement quarterly.  You will get a quarterly statement from us on   

         your savings account if this is the only account you maintain and the only possible electronic transfer to or from

         the account is a preauthorized deposit. 


         Direct Deposits.    If you have arranged to have direct deposits made to your account at least once every sixty

         (60) days from the same person or company, you can call us at (866) 658-5219 to find out whether or not the

         deposit has been made. 


Our Liability for Failure to Make Transfers.    If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.  However, there are some exceptions.  We will NOT be liable for instance:


·          If, through no fault or ours, you do not have enough money in your account to make the transfer.

·          If the money in your account is subject to legal process or other claim restricting such transfer.

·          If the transfer would go over the credit limit on your overdraft line.

·          If circumstances beyond our control  (such as fire or flood)  prevent the transaction, despite reasonable

precautions that we have taken.

·          There may be other exceptions stated in our agreement with you.


In Case of Errors or Questions About Your Electronic Transfers.    Telephone us at (866) 658-5219, write us at First South Bank,809 West Market St, Bolivar, TN  38008, or E-mail us at IBCustomerServ@1stsouth.com as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.  We must hear from you no later that sixty (60) days after we sent the FIRST statement on which the problem or error appeared.


·          Tell us your name and account number (if any).

·          Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

·          Tell us the dollar amount of the suspected error.


If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.


We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to forty five (45) days to investigate your complaint or question.  If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. 


If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the error involves a new account.  For errors involving new accounts, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question.  For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. 


We will tell you the results within three (3) business days after completing our investigation.  If we decide that there was no error, we will send you a written explanation.  You may ask for copies of the documents that we used in our investigation. 


Confidentiality.   We will disclose information to third parties about your account or the transfers you make:


·          To complete transfers as necessary;

·          To verify the existence and condition of your account upon the request of a third party, such as a credit

bureau or merchant; or

·          To comply with government agency or court orders; or

·          If you give us your written permission.



Notices.    All notices from us will be effective when we have mailed them or delivered them to your last known address on our records.  Notices from you will be effective when received by us at the telephone number or the address specified in this Agreement.  We reserve the right to change the terms and conditions upon which this service is offered.  We will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law.   Use of this service is subject to existing regulations governing your account and any future changes to those regulations. 


Enforcement.    In the event either party brings a legal action to enforce this Agreement or collect amounts owing as a result of any Account transaction, the prevailing party shall be entitled to reasonable attorneys’ fees and costs, including fees on any appeal, subject to any limits under applicable law.


Other Provisions.    There may be a delay between the time a deposit is made and when it will be available for withdrawal.  You should review our Funds Availability Policy to determine the availability of the funds deposited.  We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.