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Personal Checking Accounts

KASASA CASH     

With a KASASA CASH checking account, you will earn interest on your funds, plus additional benefits.

KASASA CASH Account Details:

  • $100.00 minimum opening balance
  • No monthly minimum balance required
  • No monthly service fee
  • Nationwide ATM fee refunds, see details below (1)
  • Unlimited check writing
  • Debit card available, ask a personal banker for additional information
  • Imaged checks with your eStatement
  • Free online banking
  • Free online bill pay 
  • Free telephone banking
  • Free mobile banking

 Kasasa Cash checking pays:

  • 1.55% APY* on balances up to $25,000.00 (2)
  • 0.05% APY* even if you don't qualify (3)
  • Plus, refunds on ATM fees, nationwide

    IT'S EASY TO EARN YOUR REWARDS, JUST DO THE FOLLOWING ACTIVITIES AND TRANSACTIONS IN YOUR KASASA CASH ACCOUNT EACH MONTHLY QUALIFICATION CYCLE:

  • Have at least 10 debit card purchases post and settle to your account
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle to your account
  • Be enrolled and log into online banking
  • Be enrolled and review eStatement notice

*APY= Annual Percentage Yield. APY is accurate as of 04/26/2019. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $30.00 (up to $3.00 per single transaction) and credited to account on the last day of monthly statement cycle. (2) balances up to $25,000.00 receive APY of 1.55%; and balances over $25,000.00 earn 0.25% interest rate on portion of balance over $25,000.00 resulting in 1.55% - 0.51% APY depending on the balance in the account. (3) If qualifications are not met during the qualifying cycle, all balances earn 0.05% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. The monthly qualification cycle is not the same as your monthly statement cycle. Contact a personal banker at 618-997-4341 or 618-549-3621 for more information about the monthly qualification cycle. ATM transactions do not count towards qualifying debit card transactions. Fees may reduce earnings.

KASASA GIVING

With a KASASA GIVING checking account, earn interest and benefits, plus give back to charity. Charities include: Hospice of Southern Illinois, Boys and Girls Club of America, Stand Up To Cancer, and American Humane Association.

KASASA GIVING Account Details:

  • $100.00 minimum opening balance
  • No monthly minimum balance required
  • No monthly service fee
  • Nationwide ATM fee refunds, see details below (1)
  • $0.05 for each qualified debit card transaction will be donated to a charity (2)
  • Unlimited check writing
  • Debit card available, ask a personal banker for additional information
  • Imaged checks with your eStatement
  • Free online banking 
  • Free online bill pay 
  • Free telephone banking
  • Free mobile banking

Free Kasasa Giving checking pays:

  • 1.55% APY* on balances up to $25,000.00 (3)
  • 0.05% APY* even if you don't qualify (4)
  • Plus, refunds on ATM fees, nationwide

    IT'S EASY TO EARN YOUR REWARDS, JUST DO THE FOLLOWING ACTIVITIES AND TRANSACTIONS IN YOUR KASASA GIVING ACCOUNT EACH MONTHLY QUALIFICATION CYCLE:

  • Have at least 10 debit card purchases post and settle to your account
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle to your account
  • Be enrolled and log into online banking
  • Be enrolled and review eStatement notice

*APY= Annual Percentage Yield. APY is accurate as of 04/26/2019. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $30.00 (up to $3.00 per single transaction) and credited to account on the last day of monthly statement cycle. (2) Charitable contributions equal to $0.05 will be made to select charities on all debit card purchases over $10 that post and settle to account during monthly qualification cycle. Charities include: Hospice of Southern Illinois, American Human Association, Stand Up to Cancer and Boys and Girls Club of American. (3) Balances up to $25,000.00 receive APY of 1.55%; and balances over $25,000.00 earn 0.25% interest rate on portion of balance over $25,000.00 resulting in 1.55% - 0.51% APY depending on the balance in the account. (4) If qualifications are not met during the qualifying cycle, all balances earn 0.05% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. The monthly qualification cycle is not the same as your monthly statement cycle. Contact a personal banker at 618-997-4341 or 618-549-3621 for more information about the monthly qualification cycle. ATM transactions do not count towards qualifying debit card transactions. Fees may reduce earnings.

2019 - Kasasa Processing and Qualification Calendar

2018 - Kasasa Processing and Qualification Calendar

Interest Checking Account

With an Interest Checking account, you will earn interest on your funds, plus additional benefits.

Interest Checking Details:

  • $1000 minimum opening balance
  • Unlimited check writing
  • Debit card available, ask a personal banker for additional information
  • Imaged checks with your statement or eStatement
  • Free online banking
  • Free telephone banking
  • Free mobile banking

A minimum balance of $1000 per statement cycle is required otherwise a monthly service charge of $10 will be imposed.

Fortune 55 Interest Checking Account

For First Southern Bank’s customers age 55 and over, we offer the Fortune 55 Interest Checking account. With this account, you can write as many checks as you like, pay no monthly fees, earn a competitive rate on your balance, and receive many additional services.  Contact one of our Personal Bankers today for additional information.

Fortune 55 Interest Checking Account Details:

  • $100 minimum opening balance
  • No monthly minimum balance required
  • No monthly service fee
  • Unlimited check writing
  • Two free boxes of single wallet style First Southern Bank logo checks per year
  • Debit card available, ask a personal banker for additional information
  • Imaged checks with your statement or eStatement
  • Free online banking
  • Free online bill pay
  • Free telephone banking
  • Free mobile banking

Additional Services:

  • Free photo copies-limitations may apply
  • Free Notary service
  • Cashier's Checks - 3 free per monthly statement cycle
  • Reduced fee for license plate renewal stickers

Star Checking Account

 With a First Southern Bank Star Checking account, you can build your own checking account to fit your needs.

  • $100 minimum opening balance
  • Unlimited check writing
  • Debit card available, ask a personal banker for additional information
  • Imaged checks with your statement or eStatement
  • Free online banking
  • Free telephone banking
  • Free mobile banking

A minimum balance of $500 per statement cycle is required otherwise a monthly service charge of $7 will be imposed.

 In Control Checking Account

With First Southern Bank's In Control Checking account, you choose what you want in a checking account, plus you still have the opportunity to eliminate fees.

  • $100 minimum opening balance
  • No minimum monthly balance required
  • Eliminate monthly service fees with eStatement or debit card transaction requirements*
  • Nationwide ATM fee refunds up to $30 per statement cycle (and $3 per transaction), when qualifications are met**
  • Unlimited check writing
  • Debit card available, ask a personal banker for additional information
  • Imaged checks with your statement or eStatement
  • Free online banking
  • Free telephone banking
  • Free mobile banking

*A service charge fee of $2.00 will be imposed every statement cycle if the eStatement OR debit card transaction requirement is not met.  You must either enroll in eStatements OR have 6 qualified debit card transactions post and settle to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.  Transfers between accounts do not count as qualifying transactions. The monthly qualification cycle is not the same as your monthly statement cycle.  Contact a Personal Banker for more information about the monthly qualification cycle.  ATM transactions do not count towards qualifying debit card transactions.

 **ATM fee refunds each statement cycle up to $30 ($3 per transaction) with enrollment of eStatements and 6 qualified debit card transactions.