At First South Bank, we know every customer has their own unique financial needs and goals. Whether it be for home, business or pleasure, First South Bank offers a wide range of products and services to accommodate you. For a complete list of account benefits and features,
please consult a First South Bank customer representative.

Firstclub Checking:

Firstclub Checking is loaded with perks. Benefits of Firstclub Checking include free club checks, 50% discount on lock boxes, notary service, and no minimum balance requirement. A minimum deposit of $100 is required. $10,000 insurance coverage in just $7 monthly and $30,000 is just $9 monthly.

Firstclub Checking Plus:

Firstclub Checking Plus has its pluses. You receive all of the benefits of Firstclub, plus no monthly fee, interest on your daily account balance (credited monthly) and a complimentary ATM card or Debit Card*. Firstclub Checking Plus requires a $10,000 savings relationship.

Benefit 50 Checking Account:

Being over 50 definitely has its benefits. With First South Bank's Benefit 50 Checking account, you get unlimited check writing, free personalized wallet checks, no minimum balance requirement, no monthly service charge, free ATM card, travelers checks, money orders (limit 4 per month), and interest paid down to a zero balance on your account. A minimum deposit of $100 is required.

Student Checking:

No monthly service charges

Unlimited check writing
ATM Pass (no monthly or foreign transactions fees)
1st order of checks free

Education First: 

Account for anyone employed by the Educational System
No monthly service charges
Unlimited check writing
Free atm/debit card/ ( monthly fees only)
$10,000 accidental Death Policy
Free Education First checks

Spirit of America:

Account for any Police, Firefighter or Military Personnel
Unlimited check writing
Free Spirit of America checks
No monthly service charges
50% discount of lock boxes

Free Checking:

$25 opening balance with no monthly service charges.
1st order of checks free
Free atm/debit card (monthly fee only)

Debit Card:

It looks like a credit card, but works like a check. Using a check is quicker and easier than ever with your Debit Card*.

For a lost or stolen debit card call
1-800-523-4175

Now Checking:

Now Checking lets you earn interest on your daily balance and have it credited monthly! For a minimum opening deposit of $1,000, you can open your account today. Plus, there is no monthly charge on balances of $1,000 or above and a monthly charge of just $12.50 for balances of $999.99 or below.

First Account Plus (Money Market Checking):

For a minimum opening deposit of $2,500 you will receive, three (3) checks per month, unlimited in-person withdrawals, interest paid on daily balance and credited monthly. Monthly service charge of only $20 for falling below $2,500.

Money Market Super:

For a minimum opening deposit of $10,000.00 you will receive, three (3) checks per month, unlimited in-person withdrawals, a tiered interest rate paid on daily balance and credited monthly. Monthly service charge of only $20 for falling below $10,000.

Regular Savings:

Our Regular Savings Account requires a minimum opening deposit of just $100. Benefits include four (4) withdrawals per calendar quarter at no charge, additional withdrawals at $5.00 each, interest paid on daily balance and credited quarterly. There is a $2.00 per quarter maintenance fee if daily balance falls below $100 (excludes minor accounts). Certificates of Deposit:

First South Bank offers competitive rates on our Certificates of Deposit and Individual Retirement Accounts. Each depositor is FDIC insured.

First South Bank gift cards sold at each branch location for only $3 each.

For First South Bank's business deposit products please visit:

Miscellaneous fees