Are my accounts safe at First South?
Your accounts are just as safe at First South as with any federally insured financial institution. In fact, if you are a member of First South, you are investing with one of the top 2% of financial institutions in the entire country in terms of financial strength and stability.

The NCUA, an agency of the U.S. Government provides the insurance on members' accounts through the National Credit Union Share Insurance Fund (NCUSIF).

Your accounts are insured up to $100,000 with up to an additional $100,000 for IRAs.


Who can join First South?
Now anyone living, working, worshiping or attending school in Shelby, Tipton, Fayette, DeSoto, Tunica, Tate & Marshall counties is eligible for membership. Click here to apply for membership. You can print the form, complete and sign it and mail it to us. We'll send you a no-obligation enrollment kit right away.


How do I join First South?
Joining First South is easy! Simply click here to go to our membership application. It only takes a few seconds to print it out, complete and sign it. Then simply mail it in and we'll enroll you right away. Call 901.380.7400. You may call us between the hours of 8 AM to 5 PM Central Time, Monday through Friday. You may also e-mail us at mail@firstsouth.com.


What career opportunities are available at First South?
Please call our Human Resources Department at 901.380.7400 for more information about exciting opportunities available with a rapidly growing financial institution!


What is your privacy policy?
First South maintains the strictest standards in protecting the privacy of you, our members. The information we collect is used only to administer your accounts and allow us to meet your financial needs. The First South privacy policy is a top priority for the organization. Procedures to protect your privacy have been carefully developed and employees are trained to consistently apply them.


How Is my information kept secure?
Security measures are in place to control unauthorized access to information about your account. These include but are not limited to the following:

Proper shredding and disposal of paper documents Optional code words available for member accounts SSL encryption for online information transmission such as when accessing accounts online, using bill pay and sending email via our web site. Procedures to establish your identity are followed by staff before information is released to you or actions are taken in relation to your account.

In the course of doing business, information available from public records may be added to the information you provide to us. This is used only to help you learn more about products and services that may interest you.

Information about your account is released to third parties that partner with First South only when necessary to conduct financial business authorized by your account agreement with us. These include credit card payment processors, bill payment vendors, credit bureaus and other similar entities.

First South does not sell or provide member information to mailing lists. From time to time special offers may be made to members directly by First South. Occasionally, credit union affiliates and subsidiaries will be provided basic information only in order to make special offers to members. This information is provided only to offer a broader array of products and services and is only provided to organizations that follow strict confidentiality requirements. No confidential account or personal information is released to these or any other third parties, except where we believe it to be required by law.

Members wishing to have their names removed from national lists should:

Write to the Direct Marketing Association's Mail Preference Service, P.O. Box 9008, Farmingdale NY 11753-9008. Include your name, address and phone number with your request to be taken off mass mailing lists. You may also call 1.888.567.8688 to have your name taken off prescreened lists from the major credit bureaus.


Is my information accurate?
We take all steps possible to ensure the accuracy of your account information. If you think any of your account information may contain inaccuracies, please report these by calling the phone number on your account statement. If there is inaccurate information, we will correct it as quickly as possible.


Is online banking safe?
We have taken all possible steps to ensure information that is exchanged between you and us online is protected. Our website provides Secure Socket Layer (SSL) connections directly between you and us. Only provide your account number and password when your browser indicates this type of connection to us. No information obtained from you during online banking sessions is ever provided to anyone outside the credit union. Your visits to our web site remain anonymous. We only collect non-identifying information that is aggregated to identify dates and times of visits, IP addresses, and web browsers most often used, pages of our site most often visited, etc.

When accessing online banking, completing forms or answering surveys, you may be asked for your email address. This is optional and will be used only by us to handle your request. We will preserve the content of your email, your email address and our responses in order to follow-up with you. We may occasionally contact you by email to inform you of beneficial services. You may ask to be removed from this notification list if you choose. Your email address will not be provided to outside entities.

When contacting us via email, please do so through our web site at www.firstsouth.com. Information sent this way is secure. Our response back to you is not secure so we will not provide confidential information in our response.

Some areas of our web site may use — cookies — to allow the web server to log the pages you use within our site. This does not provide us with identifiable information and is not used to determine who you are or your email address.


Other Questions
When legally required or permitted, we may exchange information with credit bureaus or in connection with a fraud investigation.

We do not knowingly collect information from children or market to children.