Online Banking


Will I be able to change my Authentication Image?

A default image will be provided to you at enrollment, and you must keep this selection initially. You will then be able to change your Authentication Image after completing the enrollment process. You will be able to select from a library of thousands of images.

I sometimes access Internet Banking from a public computer, such as at an Internet cafe or at work. Can I still use those types of computers to do my Internet Banking?

Yes, you can continue to use public computers to access Internet Banking. As part of your enrollment in the Layered Authentication process from your home computer (or other non-public computer you regularly use), you will complete a series of challenge questions. If you need to access Internet Banking from a non-public computer, you will be provided with an additional confirmation process using the challenge questions, and then will be granted access to the system.

Am I required to enroll in Layered Authentication?

Yes, we are requiring all Internet Banking users to enroll in Layered Authentication for their security. We're confident that you will find the process easy to use and convenient.

How does the Authentication Image protect me?

The Authentication Image that is presented back to you is verification that you are accessing our legitimate Internet Banking site. By presenting the Authentication Image and passphrase that you established during the enrollment process, we are providing an assurance to you that your activity has not been redirected to a fraudulent site where your login credentials could be compromised.

Why should I register my computer?

Each computer has a unique set of characteristics, similar to a fingerprint. By registering the computer, its unique set of characteristics will be stored by Internet Banking and used as additional validation criteria during subsequent logins. If you choose not to register a computer, you will be presented with a different validation process consisting of challenge questions/answers. Thus, we encourage you to register your computer and make for a more convenient, yet secure login process.

Is there a limitation on the number of computers I may register?

There is no limit on the number of computers you may register.


Mobile Banking


What is Mobile Banking?

Mobile Banking gives you the ability to check balances, view transactions, transfer funds between First Southern Bank accounts etc. Mobile Banking offers convenient, secure, on-demand mobile banking services and delivers the information you need, right to your cell phone.

Is Mobile Banking secure?

Mobile Banking delivers the highest level of security with multiple layers of authentication. To protect your privacy, you are required to authenticate yourself on each individual mobile device using the same information as Online Banking. In addition, your account password and account information are never stored on your cell phone.

Is there a cost for Mobile Banking?          

Mobile Banking is offered as a FREE service to all our First Southern Bank customers. Please Note: You may be charged for SMS text messages and internet access depending on your carrier. Web access is needed to use Mobile banking but not for text messaging. Check with your service provider for details on your phone's capabilities and specific fees and charges.

What types of accounts can I access with Mobile Banking?

Mobile Banking will provide access to the same accounts that are viewable through Online Banking, including checking, savings, CD's and loans.

Does Mobile Banking require software to be installed on my phone?

No. Mobile Banking is a browser-based application that does not require any software to be loaded to the individual device.

Can I add more than one mobile phone?

Yes. You can enroll several mobile phones. To add a new phone, click on the Enrollment section.

Is there a waiting period after enrolling?

No. Once you have enrolled, Mobile Banking is activated and ready to use. After enrolling, you should immediately receive a One Time Password (OTP) text on your cell phone. To access your accounts through Mobile Banking:

  1. Click on the link that was sent in the OTP message
  2. Enter your Access ID (same Access ID you use to log into Online Banking
  3. Click on Submit

You should now be able to navigate through your accounts via your cell phone. Each time you log into Mobile Banking, you will automatically be sent a new OTP text message for your next login.

Is bill pay available through Mobile Banking?

Yes. Bill Pay is currently available through Mobile Banking.

How do I enroll in Mobile Banking?

  1. Log into Online Banking
  2. Click Options
  3. Scroll down and choose Mobile Banking Enrollment
  4. Select Services – what you want to do (can check all)
  5. Select your time zone
  6. Select what accounts you want on Mobile Banking
  7. Enter your Mobile Phone Number – you will receive a text message with an activation code. You MUST have the activation code to continue
  8. Enter your activation code on the next screen and press activate
  9. For text messaging ONLY you have completed the process
  10. Continue if you have iPhone or Android
  11. You have received a text message with a link. Click on this link to download the app

You’re ready to use Mobile Banking!