Spend Smart. Save Smarter.

Open an account

Earn 6.25% on balances up to $10,000*!

Bank with one of the strongest and safest financial institutions in the entire nation

Our High Yield Checking Account lets you earn more for doing your everyday banking with us. 

Open a High Yield Checking and you will receive:

• 6.25% APY on balances up to $10,000* 
• ATM fee refunds up to $15*
• World class online and mobile banking 
• Periodic special offers on loans and deposits
• And much more!

Here's how to qualify*:

• Keep an average daily minimum balance of $500 in your High Yield Checking Account all month
• Have monthly direct deposits of $500 or more
• Make at least 20 debit card purchases or payments each month
• Have eStatements

If you don't bank with us already, opening your account is quick and easy! If you do bank with us, call us at 901.380.7400 or send us a secure message via online or mobile banking to open your High Yield Checking Account today!

Open an account

*Offers are subject to change or withdrawal without notice. Please see us for complete details. A minimum daily balance of $500 is required to avoid a monthly service fee. Balances up to $10,000 will earn the high yield rate, currently 6.25% APY, and balances of $10,000.01 or higher will earn the standard posted rate, provided all qualifications are met for that month. Monthly recurring direct deposits must total $500 or more, and certain types of direct deposits will not qualify, please see us for details.  ATM transactions (withdrawals, deposits, transfers, inquiries, etc.) are excluded from the required number of minimum debit card transactions. Fees charged by First South Financial for using a non-FSFCU ATM will be refunded, up to $15, at month end if all qualifications are met. For any given month that the qualifications are not met, dividends will be paid based on the standard posted rate and no ATM fees will be refunded. Federally Insured by NCUA.