First South Bank’s Capital Investment Account (CIA)
allows you to invest excess funds from your checking
You can have your checking account linked to:
Commercial Line of Credit
If your account is linked to a line of credit, your
CIA account will automatically transfer excess checking
funds to pay on that line of credit, thereby reducing
your interest expense. Click here for information on
a Commercial Line of
An Investment Account
If your checking account is linked to an investment
account, excess funds are automatically transferred
to a Money Market Mutual Fund.
As needed, funds are transferred from your investment
account back to your checking account.
The Capital Investment Account (CIA) gives you the option
of earning higher returns by placing all your surplus
funds to work in an investment account.*
* Investments in mutual funds and/or
money market funds involve risk, including the possible
loss of principle. An investment in the fund is not
a deposit at First South Bank and is not insured or
guaranteed by the FDIC or any other government agency.
Although money market funds seek to preserve the value
of your investment at $1 per share, it is possible to
lose money by investing in portfolios.