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Overdraft Protection

First South Bank’s Reserve Line is a personal line of credit that can be attached to your checking account. Upon credit approval, you can write yourself a loan for any amount up to your credit limit.

We make it easy for you to access your Reserve Line. Simply write a check from your personal checking account and available funds will be transferred to your account in increments of $100.

Available funds easily accessed:

  • Protect against checking account overdrafts
  • Write a check on your Line of Credit account
  • Pay interest only when you have an outstanding balance against your line.
  • Transfer money from your line of credit to your checking account by calling
    1-800-946-4178, or
  • Withdraw money at one of First South Bank’s ATMs or at any First South Bank Location

Use one of our calculators to determine how big a line of credit you can receive.

For more information on Personal Finance Options, click here to send us your questions, or contact us at 1-800-946-4178.


All credit services are subject to approval.

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