myChoice Checking

myChoice is the best option for those who want the most flexibility!  The more services you use with us, the more benefits you will enjoy with this account.  We even give you options to reduce or eliminate your monthly maintenance fee based on how many qualifiers you meet.

Overview
  • Earns interest

  • Visa® Debit Card1

  • e-Statements

  • Free online banking & bill pay

  • Free mobile banking2 with myMobile (includes eDeposit & ePay)

  • Signature Debit Cash Back Rewards

  • Fee-free ATMs at FSB locations3, along with free nationwide CashPoints® ATM network

  • Overdraft4 and Identity Theft5 protection available

  • Free first order checks6

  • $150 Mortgage Origination Rebate8 

Reduce or Eliminate Fees

Maintenance fees on this account can run up to $10 per month.  However, you can reduce the fee by $2.50 (up to $10) for each of the following qualifiers met monthly:

  • Maintain direct deposit or recurring ACH Transaction(s)

  • 15 or more debit card point-of-sale transactions per cycle

  • Receive e-Statements

  • Maintain $1,000 average ledger statement balance

  • Maintain $5,000 average collected monthly balance in checking, savings, money market and CD

  • Maintain First South Mortgage8

  • Maintain First South Consumer Loan7

  • Senior: Age 60 or better

How to Open

At this time, all accounts with First South Bank must be opened at one of our branch locations. There is a minimum opening deposit of $25 for this account.


1 – Subject to approval
2 – Your mobile carrier’s text messaging and web access charges may apply
3 – Fees may apply at ATMs outside the FSB or Cash Points network
4 – Overdraft protection transfer fees 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 credit approval.  With an outstanding balance (excluding reserve line).
8 – Subject to credit approval.



Speak with a banker today to discuss which checking account is right for you.
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