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Personal Checking Comparison
Description The best choice for customers who bank online and on-the-go. Best for customers who want flexibility in how they bank. Best for those who are enjoying the benefits of their financial life.
Minimum To Open $25 $25 $100
Earns Interest No Yes Yes, tiered
Maintenance Fees From $8 to $0 per statement From $10 to $0 per statement From $25 to $0 per statement
Qualifiers Reduced by $21 for each of the following qualifiers met:

  • Maintain direct deposit or recurring ACH transaction(s)
  • 20 or more debit card point-of-sale transactions
  • Receive eStatements
  • Write five or fewer paper checks
  • Maintain First South savings or money market account
  • Process three or more Bill Payments
Reduced by $21 for each of the following qualifiers met:

  • Maintain direct deposit or recurring ACH transaction(s)
  • 15 or more debit card point-of-sale transactions
  • Receive eStatements
  • Senior – age 60 or better
  • Maintain $1,000 average ledger statement balance
  • Maintain $2,500 average collected monthly balance in checking, savings, and money market
  • Maintain First South savings or money market account
  • Maintain First South CD over $10,000
  • Maintain First South mortgage2
  • Maintain First South consumer loan3
Waived if you meet just one of the following qualifiers:

  • Maintain $15,000 combined in checking, savings & money market account
  • Maintain $10,000 combined in checking, savings & money market account and one of the following:
    – First South Wealth Management investment relationship
    – First South mortgage2
    – First South consumer loan3
  • Maintain a Business Interest, Business Plus, or Business Analysis or IOLTA account
Identity Theft Protection5 ✓ Available ✓ Available ✓  Free service
Free Checks6 ✓ First order ✓  Standard checks
Mortgage Orig. Rebate2 ✓ $150 ✓ $250
Free Safe Deposit7 ✓ 3×5 box or discount on larger
Overdraft Protection8 ✓ Available ✓ Available ✓ No transfer fees
Reserve Line2 ✓ Available ✓ Available ✓ Available
Access Line9 ✓ Available ✓ Available ✓ Available
Additional Free Services ✓ Annual financial review - Official checks - Stop payments - ATM surcharge refund10

 Additional Services and Tools 

myBenefits

All checking accounts come with Visa Debit Cards2, eStatements, Free Online Banking with Bill Pay, Free Mobile Banking4 with eDeposit & ePay, Signature Debit Cash Back Rewards.
To complement your checking account, consider opening a mySavings, myNestEgg, or myMoney savings account. Ask your Financial Services Associate for details.
  1. Up to maximum monthly maintenance fee.
  2. Subject to credit approval.
  3. Subject to credit approval. With an outstanding balance (excluding reserve line).
  4. Your mobile carrier’s text messaging and web access charges may apply.
  5. Identity Theft Protection is not a counseling service and does not promise to help you obtain a loan or improve your credit record, history, or rating. Monthly fees may apply.
  6. Checks are wallet style.
  7. Subject to availability.
  8. Overdraft protection transfer fees may apply.
  9. Four inquiries per statement cycle. A $1 fee will apply to calls over this limit.
  10. Up to $3 per month.