IMPORTANT SECURITY REMINDER - Don't be tricked into giving a scammer your information! 
Scammers can spoof phone numbers to make calls or texts look like they are coming from us, and they may ask for information such as your online/mobile banking login information, temporary passwords, verification codes, or your 16-digit card number and PIN. PLEASE REMEMBER - WE WILL NOT CALL OR TEXT YOU AND ASK FOR THIS INFORMATION. If you think you may have provided sensitive information to a scammer, please contact us at 901.380.7400, stop by your closest banking center, or send us a message via online or mobile banking so we can assist you. If you receive a call or text and are unsure if it legitimate, please hang up/do not text back and contact us.

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Refer your friends and family and you'll both get $50 when they join!*

2X Rewards on Retail Purchases | First South Financial

Smarter spending. Greater rewards.

Apply TodayBecome a Member

Double the Rewards, Double the Cheer – Earn 2X Points on Holiday Purchases with Your Titanium / Edge and Platinum/Flex VISA® Credit Card.

  • Earn 2X Points on Every $1 Spent – This holiday season, use your Titanium / Edge or Platinum/Flex VISA® Credit Card and you'll be rewarded with double points on all net retail purchases!
    • Open a new Titanium/Edge Visa® Rewards card and earn a 10,000 point BONUS when you spend $1,000 in the first 90 Days!
  • Get More for Your Holiday Shopping – From gifts to gatherings, earn bonus points faster and make the most of your spending.
  • Bonus Rewards. Bright Holidays. – Enjoy enhanced rewards just for using the card you already trust—no activation required.
  • Spend Smart. Earn More. – Whether you’re shopping in-store or online, every eligible purchase brings you closer to great rewards.
  • Secure and Convenient Holiday Buying – Shop confidently with advanced card security and fast contactless payments.
Credit Card Rates
Effective Date: Saturday, October 4th, 2025
NameAPR
Titanium/Edge 17.25% APR to 18.00% APR*
Platinum Flex/Rewards 15.25% APR to 18.00% APR*
Platinum Advantage 13.25% APR to 18.00% APR*

Apply TodayBecome a Member

*APR = Annual Percentage Rate. Offers valid until 12/31/2025 and are subject to change or withdrawal without notice. Buy Now Pay Later is subject to credit qualification. 10,000 bonus points offer does not apply to existing First South Financial VISA credit cards. Credit cards are subject to approval criteria; not all applicants will qualify. No annual fee. Please see us for complete details. Application and solicitation disclosure.

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