General Information
and Customer Service
How can I save time when
banking?
How can I get information on my accounts
anytime?
How can I set up direct deposit?
What is the difference between my current
and available balance?
What is First South Bank’s "routing
and transit" numbers?
How can I reorder checks?
What is the cost of my checks?
How do I report a lost or stolen credit
card?
How can I change the name on my accounts?
How do I change the address on my accounts?
What are the hours at my Banking Center?
Has the ATM/Visa® Check Card transaction
I completed this morning already been deducted from
my available balance?
What is the difference between an overdraft
fee and an insufficient funds fee?
I received an ATM fee of $1.50 on my statement,
but I was also charged when I made the withdrawal. Why
am I being charged twice?
Q: How
can I save time when banking?
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Arm yourself with our First
South Bank VISA CheckCard. It gives you cash
access at ATM machines (with no fees at any
First South Bank ATM). You can use it 24 hours
a day to get cash fast, make deposits, and
transfer money at ATM machines. Plus, because
it is a VISA CheckCard, you can use it to
make purchases at merchants worldwide that
accept VISA® and the money comes right
out of your checking account.
-
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Q. How
can I get information on my accounts anytime?
Q: How
can I set up direct deposit?
A: To find out if direct deposit service is available
through your employer, contact your payroll or personnel
department. If your employer offers this service, give
your employer:
- A voided check (not a deposit slip) from your
First South Bank account.
- This First South Bank routing number _____________
For Social Security/Supplemental
Security or other federal government income, call
the Social Security Administration toll free at
1-800-772-1213 or visit one of our First South
Bank offices and we can automatically set that
up for you. |
Q: What
is the difference between my current and available balance?
A: Your current balance is the balance reflecting
the transactions that have posted as of the previous
business day. Available balance is the current balance
plus or minus any on-line credits and debits that will
post to your account tonight (things such as ATM deposits,
Online Banking transfers, ATM withdrawals, or the use
of your VISA® CheckCard for purchases).
Q:
What is First South Bank’s "routing and transit"
numbers?
A: Your routing and transit numbers are the
first 10 digits at the bottom of your checks. First
South Bank’s routing and transit numbers is: 253171621
Q: How can I reorder
checks?
A: There are two different ways that you can reorder
checks. You may visit the Deluxe Check Page at the First
South Bank website, or you may visit any branch and
request a re-order of your current checks.
Q: What
is the cost of my checks?
The cost of checks varies depending on the style of
checks that you order and the fee schedule associated
with your checking account. In order to review some
of these options, you can speak with a Retail Service
Associate by calling us at 1-800-946-4178.
Q: How
do I report a lost or stolen credit card?
A: It is best to report lost or stolen credit cards
as quickly as possible to limit unauthorized use. You
can call our 24-hour AccessLine at 1-888-317-0097.
Q: How can I change
the name on my accounts?
A: You can either talk to a Retail Service Associate
at your local branch, or you can request the change
by sending us an email at [email protected].
If it is a legal name change, due to a marriage or other
event, we will need documented proof of your new name.
Q: How do I change
the address on my accounts?
You may request the change by speaking with a Retail
Service Associate at your local branch, or by sending
us an email at [email protected].
Q: What are the hours
at my Banking Center?
A: For the hours of the Banking Center closest to you,
call our 24-hour AccessLine at 1-888-317-0097.
Q: Has the
ATM/Visa® Check Card transaction I completed this
morning already been deducted from my available balance?
A: Yes, the available balances immediately reflects
that type of deduction; however, it will not appear
in the transaction history until the next business day’s
postings.
Q: What is
the difference between an overdraft fee and an insufficient
funds fee?
Checking accounts are evaluated weekly, for certain
criteria. If the criteria is met, an overnight limit
may be assigned to the account in which checks will
be paid, and an "overdraft fee" will be assessed.
An "insufficient funds" fee will be assessed
if funds are not available and the overdraft limit has
been exhausted.
Q: I received
an ATM fee of $1.50 on my statement, but I was also
charged when I made the withdrawal. Why am I being charged
twice?
A: The fee charged at the time of the withdrawal is
a surcharge by the bank that owns the ATM you are using.
The fee listed on your First South Bank statement is
charged because you were using a foreign (non-First
South Bank) ATM.
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