Please remember that First South will never call you from our main number, 901.380.7400, and ask you to provide your full Social Security Number, full credit or debit card account number, the code on the back of the card, the expiration date or other pieces of sensitive information, such as any codes or temporary passwords used to reset access to online or mobile banking. We take the safety and security of your personal information very seriously and have many procedures and safeguards in place to keep your information safe and secure. 

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First South Checking Accounts

Checking Accounts

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This checking account offers you all the convenience and access without all the hassles and fees you don’t.

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If you need a checking account but don’t need checks, then this account is for you. 

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In college, every penny counts. That’s why we offer this no-fee checking account to help you make your money go farther.

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This free checking account is the perfect for those between the ages of 14 and 17 who need to start managing their financial lives.

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Got a mobile lifestyle? Like to do all your banking remotely? Don't need to go to a branch? Then this account is for you.

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Earn more for doing your everyday banking with us! Earn an above market rate on balances up to $10,000 and get ATM fee refunds too!

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Not sure which checking account is best for you?  This comparison chart might help

 Items Standard @nywhere checking** High Yield Checking*** Student Savings Plus Money Market Health Savings Youth   
Opening Amount None None None None None None None None
Minimum Balance Requirement $200.00* $200.00* $500.00* None $200.00* $2,500.00* N/A None
Monthly Service Fee $12.00* $12.00* $12.00* None $12.00* $15.00* $3.95 None
Visa Contactless Debit Cards
Online & Mobile Banking Access
Overdraft Privilege
ATM fees Refunded? , up to $15 a month** Yes, up to $15 a month**  
Bill Pay Fees Refunded? **

*If the balance falls below the minimum balance requirement a monthly service fee will apply.

**This account can only be opened online. These benefits require the use of eStatements, at least 15 debit card purchases or payments and no branch or call center transactions in a month's time. Fees are charged and then refunded. Please see the @nywhere checking page for complete details.

***This account has minimums for direct deposit, debit card transactions and daily balance to earn the high yield. Please see our High Yield Checking page for complete details.

Current Rates



You may reorder your checks at any time. This cannot be used if you are ordering checks for the first time.  If this is your first check order please call us at 901-380-7400 or stop by any one of our banking centers.

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Our ABA Routing number is 284085375. If you need your checking or savings account number, you can find them inside online banking or call us at 901-380-7400.



Access our direct deposit/payroll deduction form here or within online banking.

You can make deposits in person at any of our banking centers and some of our ATMs. Need to deposit a check and we're not open? No problem! Use our mobile banking app!

Need a deposit slip? You can access one by clicking here

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