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MasterCard® debit cards with Chip Technology

First Southern Bank converted all Visa® debit cards to MasterCard® debit cards in April 2018. 


Why does First Southern Bank choose MasterCard® over VISA®?

Keeping our customer's card information secure is a top priority at First Southern Bank and with the chip technology that MasterCard® offers this reduces the risk of cards being copied or counterfeited. 

Chip cards are designed to work together with chip terminals to provide an extra layer of security while making a transaction.

Did you know that MasterCard® has greater worldwide acceptance in over 40 million places in more than 200 countries. MasterCard® debit cards can be used anywhere in the world where MasterCard® is accepted. 

First Southern Bank MasterCard® debit card offers the convenience of an ATM card with the added benefit of using your card wherever MasterCard® is accepted.



If your debit card is lost, damaged or if you just want a personalized card, get a new one at First Southern Bank.  $10 for standard First Southern Bank logo cards.  $15 fee for each personalized or stock photo card.  Some image restrictions apply. 

With personalized Instant Issue debit cards you can show off a photo of your children, grandchilidren, pets, vacation destination, birthdays...the options are endless.  If you can't decide which photo, choose from a selection of 20+ stock photos available.  Some image restrictions apply, please see a customer service representatives for details.

Report a Lost or Stolen Debit Card

Call the HOTLINE at 800-383-8000 to report your debit card lost or stolen. If you would like to order a new card, please contact one of our Personal Bankers as soon as possible or call 618-997-4341 or 618-549-3621 to speak with a Personal Banker.

We May Be Calling You

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S. issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use, we will be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

Our automated call will ask you to verify recent transaction activity on your card. You will be able to respond via your touchtone keypad. You will also be provided with a toll-free number to call should you have additional questions.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.

In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Here are some additional tips on protecting yourself from debit card fraud:

Protect yourself

Unless absolutely required for a legitimate business purpose, avoid giving out your:

  • Address and ZIP code
  • Phone number
  • Date of birth
  • Social Security number
  • Card or account number
  • Card expiration date

Your PIN is private; NEVER give it out.

In stores and at ATMs, always cover your card and PIN, and watch for:

  • Cell phone cameras, mirrors, or other tools used to view cards and PINs
  • People watching your transactions
  • Cashiers taking your card out of sight; take it to the register yourself
  • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM

Online, you should never respond to unsolicited emails that:

  • Ask you to verify your card or account number; such emails are not sent by legitimate businesses
  • Link to websites; such sites can look legitimate but may collect data or put spyware on your computer