You don’t have to wait for business hours to do your business banking. Take care of it anywhere, anytime.

We’re proud to offer our full-service business online banking. It’s free and secure — with the capability to download your account information directly into Quicken, Microsoft Money, or Quickbooks.

Online Banking 

  • Fast, free, and secure service for business customers
  • Manage a number of banking activities anytime, anywhere with internet access: 
    • 24/7 access to accounts
    • View summary of accounts, activity, and balances
    • View account history and check and deposit images
    • Electronic bank statements (eStatements)
    • Make internal transfers between First Southern Bank accounts
    • Make external transfers between First Southern Bank accounts and another financial institution
    • Re-order checks
    • Soft Tokenization
    • Stop payment
    • Secure Alert Notifications
    • Secure email correspondence with bank personnel
    • Categorize transactions so you know how much you are spending and saving
    • Download activity to Microsoft Money, Quicken® or QuickBooks®
  • Save time; avoid unnecessary trips to a branch
  • Secure and easy to use 

See our online banking FAQ. Also, learn more about online banking security, including our new password policy.

Bill Pay

  • Quick access to pay bills, avoiding late fees and postage fees
  • Pay bills and set up automatic recurring bills payments
  • Set up bill reminders for notification when bill, including e-bills, need paid, and actions awaiting approval
  • Add new billers
  • Track payments and view payment history by user
  • Setup and define control and services for multiple end users within your business
  • Automated Clearing House (ACH) Services
  • Merchant Card Processing
  • Positive Pay
  • Remote Deposit Service
  • Wire Transfer Services
  • See our fee schedule for business bill pay fees

Bill pay customer service is available 7am to 1am ET/seven days per week at 1-877-351-5434.

Online Banking Enrollment is Easy

Just visit us or contact us and one of our personal bankers will help you get set up.

Please note: For your security, online banking passwords expire every six months and you will be prompted to change your password at the time of password expiration. 

Please login to your online banking account at least once every sixty days to keep your online banking account active and available to you 24/7.

If you have any questions, please contact a Personal Banker at (618) 997-4341 or (618) 549-3621 for further assistance.

Manage your First Southern Bank business accounts on the go — download our free mobile app today for maximum convenience.

Mobile Banking

  • Fast, free, and secure service for customers enrolled in online banking* 
  • Available to personal and business customers 
  • Easily keep track of your finances — even on the go: 
    • 24/7 access to accounts
    • View summary of accounts, activity, and balances
    • View account history and check images
    • Make and approve internal transfers between First Southern Bank accounts
    • Make and approve ACH transfers
    • Pay bills and setup recurring bills pays and transfers
    • Add new billers or bill capture
    • Approve loan payments or advances
    • Approve positive pay exceptions
    • Manage Alerts
    • Make mobile check deposits
  • Available via any web-enabled mobile device 
  • Use this service in three convenient ways: 
    • Web browsing 
    • App download — iPhone® | Android 
    • Text banking 
  • Save valuable time and effort; avoid an extra trip to a branch

Learn more with our mobile banking FAQ.

Getting Started with Mobile Banking

It’s easy:

  • Log into your First Southern Bank online banking account
  • Click the "Options" menu
  • On the "Options" page, go to the "Mobile Banking" section and follow the simple instructions there.

Text Banking Commands

The following is short codes in text messaging service to view account balances, view transaction history and locate ATM and branch locations using key words.

  • View Account Balances – Send B, BAL, BALANCE or BALANCES to the short code after activating your mobile phone
  • View Transaction History – Send STMT, TRAN or HIST plus the nickname for the account to the short code received after activating your mobile phone
  • Locate ATM Locations - Send ATM plus the ZIP code, city or state for the ATM to the short code received after activating your mobile phone
  • Locate Branch Locations – Send BRANCH plus ZIP code, city or state for the branch to the short code received after activating your mobile phone
  • Locate ATM and Branch Locations – Send BOTH plus the ZIP code, city or state for the branch to the short code received after activating your mobile phone

Mobile Deposit

This features allows you to make a check deposit by taking a picture of the front and back of an endorsed check with your phone — then submitting that image for deposit to your account via mobile banking.

  • Deposit checks anytime, anywhere with your mobile phone 
  • Free service for customers with a First Southern Bank checking account 

Mobile Deposit Tips

  • Before logging into the First Southern Bank Mobile Deposit app, close all other apps running in the background on your mobile phone. 
  • Sign/Endorse the back of your check with the appropriate signature(s), and the words “For Mobile Deposit Only to First Southern Bank”, above or below your name on the back of the check, and select the check box for Mobile/Remote Deposit, if applicable. 
  • When prompted for the check amount, carefully enter the check amount to ensure it matches the amount written on your check. (Deposit Limit Per Item - $2,000.00/per day, Daily Limit - $5,000.00 per day).   
  • Flatten folded or crumpled checks before taking your photos. 
  • Place the check on a dark background in a well-lit area. 
  • Keep your phone flat above the check when taking your photos. 
  • Keep the check within the viewfinder on the camera screen. 
  • Try not to get too much of the areas surrounding the check.  
  • Make sure that the entire check image is visible, in focus with all four corners of the check captured, and the MICR line (numbers on the bottom of your check) are readable before submitting your deposit. 

Important: When you endorse your check for mobile deposit, please also write “For Mobile Deposit Only to First Southern Bank”. 

*Wireless carrier data rates may apply. 

Save time, money, and trees by enrolling in eStatements to receive your paper statement electronically. Be in control of your money with up to 12 months of statement history anytime you're online.  Enroll today to experience the convenience of online statements. 

  • Create no paper waste
  • Fast, free, and easy alternative to paper statements 
  • Easier to retrieve info when needed 
  • Eliminate a paper trail 
  • Reduce chances of fraud and identity theft
  • Can’t be lost or stolen from your mailbox
  • Arrive faster than paper statements 
  • Simplify recordkeeping 
  • Easily access past statements 
  • Ability to download for permanent storage or print if needed 
  • Receive email notice when new eStatement is ready 

Enroll Now

  1. Log into First Southern Bank’s online banking.
  2. Select Profile, then click "edit" next to Electronic Statements.
  3. Select the account or accounts you would like to enroll in the service.
  4. View the terms, copy the code at the bottom of the page, accept terms, and then paste the code and submit to finalize enrollment.

And you're all set!

Business online banking is now more secure than ever.

Introducing security tokens.

We are proud to deliver the highest level of security for our Business Online Banking customers. We're adding an additional layer of protection called a security token.

From now on every time you login to Business Online Banking account the bank identifies you, and it lets you identify the bank. This protects you from unauthorized access to your online banking information.

What is a security token?

A security token is a small, connectionless device that generates a One-Time Password to use each time you login to business Internet banking. This password is unique to your account and it changes every 32 seconds for your protection!

The soft token is a software-based security token that generates a random, one-time string of numbers that you enter when logging into your account. Combined with a PIN that you create when setting up the soft token, it offers maximum protection against criminal fraudsters. You can also use the soft token as an extra layer of protection for ACH or other high-dollar transactions.

You can move your money when and where you want — internally or externally — with our online banking or mobile app. 

An internal transfer is a feature that gives you the opportunity to transfer money between your accounts online with First Southern Bank.

An external transfer is a feature that gives you the opportunity to transfer money between your accounts online at other financial institutions.

External transfers to family, friends, or others can be done through a wire transfer with First Southern Bank or through any digital wallet cash app on your mobile device such as: 

  • Apple Pay®
  • Google Pay™
  • CashApp
  • PayPal
  • Venmo

Fees may apply. Please refer to our fee schedule.

Get real-time account alerts on the activities you want to monitor. Talk about a feeling of security!

Secure Alerts from First Southern Bank notifies you instantly the moment something important happens in your account by sending a message via text*, email, or to your Online Banking message center.

With Secure Alerts, you will know what is happening with your money, and you can watch for suspicious activity. It is a free service for our customers.

Choose from Dozens of Secure Alerts

Choose alerts such as:

secure alerts icon A purchase using your debit card was just processed.

You instantly know.
secure alerts icon An ATM withdrawal is made.

You instantly know.
secure alerts icon A check clears that exceeds the amount you set.

You instantly know.

Delivery of Secure Alerts

Real time account alerts…delivered the way you want. Messages sent instantly using any of the delivery channels you choose:

secure alerts icon Text Messages

One of the easiest ways to receive Secure Alerts is through text messages on your smartphone*, or wearable devices.
secure alerts icon Email

Receive email messages about your account activity.
secure alerts icon Online Banking Message Center

View your Secure Alerts every time you log on to Online Banking.

*Message and data rates may apply.

Set up your real-time Secure Alerts

  1. Log into Online Banking. Select Alerts.
  2. Click each Category in Alert Options to view the list of available alerts.
  3. Select the Alerts you want to receive for each account. Then check how you would like to receive them, and Save.

You will now receive a message the moment any of your alerts trigger — it's that simple!