First Southern Bank is a locally owned bank that offers No Monthly Service Fee banking including No First Southern fees for ATM's nationwide!First Southern Bank truly wants to be your bank.First Southern Bank strives for excellence in customer service and takes pride in the relationships we have built with our customers. Our commitment has led us to find new products that will serve our customers more effectively, from our checking accounts with no monthly service fees and interest bearing checking accounts, FREE Online Banking, FREE Bill Pay, Free Mobile Banking, no ATM fees, and so much more. We hope that you will consider making First Southern Bank your Bank today!Contact one of our Customer Service Representatives for more information.Learn about the basics of financial education. Whether you are buying a home, balancing your checkbook, or investing in your 401(k), the resources on http://www.mymoney.gov/index.html can help you maximize your financial decisions.First Southern Bank offers a complete range of financial services for small businesses, corporations, public entities, and not-for-profit organizations in the Shoals area. First Southern Bank's experienced team is focused on helping local businesses succeed. In fact, your money stays in the Shoals area, where we work and live.First Southern Bank has a loan to meet all of your financial needs. Whether you are looking for a personal loan, a mortgage loan, or a business loan, we have a loan with competitive rates and flexible terms to meet your needs.First Southern Bank offers full fiduciary services. Our sole focus is on providing exceptional service to our clients. As the only staffed trust office in the Shoals, First Southern Bank offers personal, hands-on delivery of trust and investment services.Our approach is to provide face to face meetings with our clients and their advisors. Our consultative approach assists in providing structure and consistency to our client's financial structure.