Enjoy the ease and convenience of banking directly with First South on the Web.

ONLINE BANKING
Take advantage of this simple and secure approach to managing your finances. Plus, there is no additional software required — just point and click! Online account access is available at no cost for members! Just click here to sign up for online banking now!

Logging on for the first time:

If you have never logged onto online banking before, all you will need is your member number and the last four digits of the Primary Member's Social Security Number. That's it! Once you have logged on, you will be prompted to change your password.

Changes to the login process for online banking

On February 6, 2008, we will updating the login process for online banking to provide enhanced security. This new process is called Multifactor Authentication or MFA.

Please click here to access the Frequently Asked Questions regarding MFA.

 

E-Alerts are here!

First South is pleased to announce that we now offer E-Alerts! This FREE SERVICE is accessed through online banking and is very simple and easy to set up!

You can select several types of alerts such as:

• Low Balance Alerts
• Check Clearing Alerts
• Loan Payments Due Alerts
• Available Line of Credit Alerts
• Special Offers and Promotions
• And much more!

To find try e-alerts for yourself - just log into online banking and click on E-Alerts. And best of all, IT'S FREE - just like our online banking!

Bill Pay is a great way to save time and money!

Want to learn more about what bill pay can offer you? Just click here!

Bill pay is free for qualified members - to find out more, please call us at 901.380.7400 or e-mail us at mail@firstsouth.com.

CHECK OUT THE GREAT BENEFITS OF E-STATEMENTS!

Starting May 15th, 2007, we are implementing a new e-statement program. You'll still get the same quick and reliable access to your monthly e-statement, but you'll also see a few new features.

The biggest improvement to our statements are:

• a new streamlined format that is much easier to read
• the ability to download a CSV format of your monthly data
• a built in reconciliation feature - just click the word "reconcile" and an easy to use form pops up so you can reconcile your account in just a minute or two!

Across the top of your e-statement page will appear some tabs that will allow you fast access to the latest edition of our newsletter, our latest promotions and other important information.

So if you haven't signed up for e-statements already - now is the time!

To sign up for e-statements, you must first sign into online banking. Just click here to go to the sign-in page. To read the e-statements disclosure, please click here.

ONLINE BILLPAY
Need a little extra incentive to try Billpay? It's only $5.95 per month for an unlimited number of bill payments. With our new bill pay service you can:

Pay your bills electronically View your payment histories

And Billpay is now FREE* to qualified members! To find out how you can get Billpay for FREE*, call us at 901.380.7400, visit any branch or e-mail us.

*Certain restrictions apply. See First South for details.

Phishing is a scam that effects consumers everyday. The scam works like this: you receive an e-mail warning you that your account information or other personal information has been compromised and asks you to click on a link in the e-mail and provide sensitive information. You are directed to a site that looks relatively legitimate, but it is not the site of the financial institution that holds your accounts. And once you've entered and submitted the information requested, the trap has been sprung. Here are some helpful tips to ensure you don't fall victim to a phishing scam:

Never respond to e-mails that request personal financial information. Phishers often include false but sensational messages, such as "URGENT — your account details may have been stolen" in order to get an immediate reaction. First South will not ask you for passwords or account details via e-mail. Even if you think the e-mail may be legitimate, DO NOT RESPOND — contact First South by phone or by e-mail. It is wise to be wary of files attached to e-mails, even if the e-mail appears to be from a trusted source. Visit First South's Web site by typing the URL into the address bar. Phishers often use links within e-mails to direct a victim to a spoofed site that will have a similar address as the legitimate site. For example, the real site for a company may be abccompany.com, but the phishers may use the address abcompany.com or abccompanyonline.com for the spoofed site. Both the address and the fake site may look genuine, so always exercise caution in visiting links in e-mails. If you suspect an e-mail from First South is false, DO NOT FOLLOW any of the links embedded within it. Look for the indicators that a Web site is secure before entering personal information. Legitimate sites that require you to enter personal information, such as your account details, will use encryption to protect your information. Here's how you can tell if the site is secure: Check the first part of the address – a secure site's URL should start with "https://". The "s" stands for security. Look for the lock icon – a secure site will display a lock icon in the "closed" or locked position in the lower right side of the browser window. Always report suspicious activity – If you receive an e-mail you suspect isn't genuine, forward to the company that supposedly sent it for verification.

If you think your First South accounts have been phished, please contact us immediately.


ONLINE E-STATEMENTS
E-statements allow you to view your First South account statement online the very first business day of the month!

Tired of receiving stacks of paper in the mail? Our e-statement service is fast, secure and cuts down on paper waste. You can even view and print your archived statements for the last six months!

This service is free to all First South members. Just click here for more information or to sign up for your e-statement now!


ONLINE CREDIT CARD STATEMENT
Access your First South credit card statements online! Just click here!


DEMO
You can access your account now,* sign up for electronic e-statements, bill payment or even take a test drive and online banking demo for yourself.

For more information just e-mail us or call 901.380.7400!