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Business Checking Accounts.

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Business Checking Accounts

First Southern Bank offers a variety of checking accounts designed to best suit the needs of your growing business.  

Business Analysis Checking

It’s a simple straightforward business checking account with no minimum balance requirement and a low monthly fee.

• No minimum balance requirement
• Check images returned with monthly statement
• Earnings credit calculated on daily average investable balance
• Earnings credit allowance from deposit balances may offset some or all activity fees
• e-Statement availability
• Business debit card (subject to credit approval)

Business NOW

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.

• No monthly maintenance fee with average daily balance
• Interest paid on average daily balance of $2,500 or more
• Check images returned with monthly statement
• e-Statement availability
• Business debit card (subject to credit approval)

Small Business Checking

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

• No monthly maintenance fee with average daily balance
• 100 free debits/credits each month
• Check images returned with monthly statement
• e-Statement availability
• Business debit card (subject to credit approval)

Business Super NOW*

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.  And, unlike a traditional analysis account, your surplus balances will translate into earned interest.

• No minimum balance requirement
• Check images returned with monthly statement
• Earnings credit calculated on the targeted Fed Fund rate
• e-Statement availability
• Business debit card (subject to credit approval)

* Business Super NOW is available to public funds, not-for-profit, and non-profit organizations only.

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 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.

*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.