First South Bank  
First South Bank
Personal
Business
Mortgage
Investments
About Us
 
 
 
 
Contact Us
  

Contact Us


Branch & ATM Locator


FAQs


Site Map


Glossaries


Privacy & Security


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?

  • 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.
  • Sign up for Online Banking and Bill Payment. This is a free service with any personal checking account. You are able to check balances, transfer funds, and make payments any time of the day.

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.




 
© First South Bancorp, Inc. All Rights Reserved. Member FDIC. Equal Housing Lender.