Welcome to First Southern Bank

Regular Checking	First Value Checking	Centurian II Account	NOW Account
Open your First Southern Bank checking account with just...
$100	$100	$2,500	$2,500
Avoid a monthly maintenance fee when you keep:
$1,000 minimum daily balance per statement cycle	N/A	$2,500 average daily balance	$2,500 average daily balance
Otherwise, your monthly maintenance fee is...
$10	$5	$10	$10
Important features and value added services...
Non-interest bearing account	Non-interest bearing account	Interest paid on minimum average daily balance of $1,000 or more	Interest paid on minimum average daily balance of $2,500 or more
Unlimited check writing or $.25 per debit transaction if minimum daily balance not met	10 free debit transactions per month, $.15 per item thereafter	Unlimited check writing or $.25 per debit transaction if average daily balance not met	Unlimited check writing or $.25 per debit transaction if average daily balance not met
Unlimited FSB ATM usage	Unlimited FSB ATM usage	Unlimited FSB ATM usage	Unlimited FSB ATM usage
FREE with all First Southern Bank personal checking accounts...
• WebBanc and WebPay (Online Banking and Bill Pay) • Unlimited First Southern Bank ATM usage • MasterMoney Check Card • TeleBanc • Imaged statements and checks • No charge to use Publix Presto! ATMs • e-Statement