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Business Checking Accounts

First Southern Bank offers a variety of checking accounts. You can select the one that best meets the needs of your growing business. All accounts are FDIC insured.*

Business Analysis Checking

Designed for businesses that have various transactions and might use multiple accounts to identify sources and uses of funds.

  • No minimum balance requirement
  • Check images returned with monthly statement
  • Earnings credit calculated on the 90-day T-bill rate for previous period
  • Earnings credit allowance from deposit balances may offset some or all activity fees
  • e-Statement availability
  • MasterCard™business debit card (subject to credit approval)

Business Checking with Interest

This account provides sole proprietors, public funds, non-profit and not-for-profit businesses the advantage of unlimited monthly transactions with a minimum daily balance.

  • Interest paid on daily collected balances of $2,500 or more
  • Any combination of the first 250 items paid, items deposited and/or deposits credited are free per statement cycle
  • Check images returned with monthly statement
  • e-Statement availability
  • MasterCard™business debit card (subject to credit approval)
  • $15 monthly maintenance fee waived with a minimum daily balance of $2,500 or a minimum average daily balance of $5,000 per statement cycle

Small Business Checking

Designed especially for the small business owner, this checking account is simple and easy to use, yet offers flexibility to manage your monthly finances.

  • Any combination of the first 250 items paid, items deposited and/or deposits credited are free per statement cycle
  • Check images returned with monthly statement
  • e-Statement availability
  • MasterCard™business debit card (subject to credit approval)
  • $15 monthly maintenance fee waived with a minimum daily balance of $2,500 or a minimum average daily balance of $5,000 per statement cycle

Super Checking with Interest**

This account provides public funds, not-for-profit, and non-profit organizations the advantage of earning both an earnings credit and hard interest on collected balances. Unlike a traditional analysis account, your surplus balances will translate into earned interest.

  • No minimum balance requirement
  • Earnings credit calculated on the targeted Fed Funds rate and settled quarterly
  • Earnings credit allowances from deposits may offset some or all activity fees during a calendar quarter
  • Check images returned with monthly statement
  • e-Statement availability
  • MasterCard™business debit card (subject to credit approval)

Interest on Lawyers' Trust Accounts

First Southern Bank offers an interest bearing trust account to attorneys with fiduciary responsibility over client funds. First Southern Bank's Interest on Lawyers' Trust Account (IOTA) earns a competitive interest rate that is compounded daily and credited monthly. Interest earned in excess of bank service charges is paid to the State of Florida Bar Foundation.***

  • Monthly account service charges allowed by the state bar association are offset against interest earned on each account
  • Special reporting and remittance of interest to the Florida Bar Foundation monthly (in compliance with Florida state statutes) is provided by First Southern Bank
  • Monthly check image statement is available at no charge
* For more information about FDIC insurance coverage contact your local branch or visit www.FDIC.gov
** Super Checking with Interest is available to public funds, not-for-profit, and non-profit organizations only.
*** Under IOTA, client trust deposits, determined by an attorney or law firm to be too small in amount or expected to be held for too short a time to make investments for the individual client practical, are pooled together into an interest-bearing account benefiting IOTA in Florida.