Personal Checking FAQs

How can I save time when banking?
  • Arm yourself with our First South Bank Visa® Debit Card. It gives you cash access at ATMs (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 ATMs. Plus, because it is a Visa Debit Card, you can use it to make purchases at merchants worldwide that accept Visa and the money comes right out of your checking account. First South Bank will reward you 10¢ for each credit-based transaction over $20 requiring a signature.

  • Sign up for Online Banking and Bill Payment with Mobile Banking, eDeposit, and ePay. 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.

How can I get information on my accounts anytime?
  • Call our 24-hour ACCESSLine Phone Service at 1.888.317.0097

  • Online Banking and Bill Payment along with Mobile Banking allow you to view all of your accounts anytime.

  • eStatements allow you to view, print and save all statements for 18 months. Sign up through online banking or ask your First South Bank Financial Services Associate.

As a person age 60 or more, am I entitled to any benefits?

A person age 60 or more may reduce their monthly maintenance fee by $2.00  if they have our myExpress Checking account and may reduce their monthly maintenance fee by $2.50 if they have our myChoice Checking account.

Which accounts include unlimited check writing?

All of our personal accounts include unlimited check writing. myExpress Checking account allows you to bank your way. You may reduce your monthly maintenance fee by $2.00 for writing five or fewer paper checks each month.

Do you have a basic checking account?

All of our personal checking accounts allow you to customize the way you like to do your banking. myExpress Checking account offers no minimum balance requirements.

Do you have any accounts that include Online Banking and Bill Payment?

All of our personal checking accounts include free Online Banking with Bill Payment along with Mobile Banking.


Do any of your accounts include a Debit Card?

Yes, all of our personal checking accounts include a free no fee Visa Debit Card. First South Bank will reward you 10¢ for each credit-based transaction of your debit card over $20.

Do any of your accounts not require a minimum balance?

myExpress Checking does not require a minimum balance.

How do I deposit money into my personal checking account?

You can deposit money at any First South Bank location, at many First South Bank ATMs, and by using direct deposit, a convenient service that automatically deposits your money directly into your account. In addition, you can sign up for eDeposit to deposit checks using your smart phone.

How can I set up direct deposit?

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 253171621

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 locations and we can help set that up for you.

What is the difference between my current and available balance?

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® Debit Card for purchases).

What is First South Bank’s “routing and transit” number?

Your routing and transit number are the first 10 digits at the bottom of your checks. First South Bank’s routing and transit number is: 253171621

How can I reorder checks?

Please visit any branch and request a re-order of your current checks. To re-order personal checks online, click here

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 representative of our Customer Care Center by calling us at 888.993.7664.

How do I report a lost or stolen debit card?

It is best to report lost or stolen debit cards as quickly as possible to limit unauthorized use. You can call our 24-hour ACCESSLine at 1.888.317.0097. To report a lost or stolen Visa debit card after hours, on weekends, and holidays, please call 1.866.546.8273. If you have Online Banking, once logged in, select Options>ATM/Debit Card>Select Lost/Stolen. If you have Mobile Banking, select Accounts>Manage Cards>Select the appropriate card>Report Lost/Stolen.

How can I change the name on my accounts?

You can talk to a Financial Services Associate at your local branch. If it is a legal name change, due to a marriage or other event, we will need documented proof of your new name.

How do I change the address on my accounts?

You may request the change by speaking with a Financial Services Associate at your local branch.

What are the hours at my local branch?

For the hours of the branch closest to you, call our 24-hour ACCESSLine at 1.888.317.0097, sign into your Mobile Banking, or visit our branch location page.

To open a personal checking account, come see us at the branch nearest you!


Monday – Friday
8:00am – 6:00pm



Call our 24-hour Account ACCESSLine: 888.317.0097


To Report a Lost or Stolen Visa® Debit card or to Report Suspected Fraud after hours, on weekends, or on holidays, please call 866.546.8273.


Monday - Friday 
8:00am - 6:00pm