Online Banking Login Contact Us
Online Banking Login Contact Us

Dear Valued Customer,  
Your First Commercial account will officially become a part of Southern Bank on December 10, 2018. Our top priority throughout this process is making the transition as easy, and as seamless for you as possible.

With that goal in mind we wanted to send you a quick reminder with the timeline of the online banking and debit card transition to ensure no important transition steps are forgotten.



Details and Tips

11-20-18 to 12-7-18

Download or print any historical transactions, eStatements and bill pay information you may want to reference later.

  • Online banking and payment history will no longer be available after 5:00 p.m. on 12/7/2018.
  • No statements or check images will be available, so be sure to download or print any documents you may want to reference later.
  • Any payments scheduled to process on or before 12/10/2018 will be processed and paid. Payments scheduled with a process date on or after 12/11/2018 will not be processed or paid through your First Commercial Online Banking account

11-26-18 to 12-10-18

Debit card holders will receive a new Southern Bank debit card in the mail. If you have not received your replacement debit card by 12-10 visit your local branch where a debit card can be issued to you.

  • You can activate your new card and create a pin immediately, but it’s important not to begin using your card until Saturday, Dec. 8.
  • As of Dec. 10, your current First Commercial Bank debit card will be disabled.
  • Balance inquiries will be unavailable over conversion weekend, but will be available beginning at 10:00 a.m. on Dec. 10.
  • If you have auto-bill payments set up under your debit card, be sure to provide the vendor with your new Southern Bank debit card number for use after Dec. 10.

12-7-18 to 12-10-18

First Commercial Bank will observe normal business hours on Friday, Dec. 7 and Saturday, Dec. 8. All locations will reopen on Monday, Dec. 10 as Southern Bank.

Your First Commercial Bank Online Banking profile will no longer be available after 5:00 p.m. on Dec. 7. Your new Southern Bank Online Banking profile will be available to you beginning at 10:00 a.m. on Dec. 10.


Begin using your Southern Bank debit card.

We recommend you call to activate your new debit card prior to conversion weekend. Please don’t try to use your Southern Bank debit card before December 8th as your transaction will be declined. Your First Commercial Bank debit card will be automatically disabled on Monday, Dec. 10.




Sign in to your Southern Bank online banking profile. Your user ID will be the same as your current First Commercial Online Banking account. You will use a temporary passcode (your access I.D. + last four digits of your social security number).

You will be prompted to enter your email address at first log-in, as your email address will not be converted into your new online banking profile. Your current bill payment information will NOT be transferred to your new profile and will need to be set up within your new profile. Any internal transfers currently set up within your First Commercial Bank Online Banking account will be converted as templates only. You will need to set the first payment date/frequency upon logging into your new Southern Bank Online Banking profile.

12-11-18 to 12-18-18

Download the Southern Bank mobile app and CardValet app, and enroll for mobile deposit.

Make sure to download the Southern Bank mobile app and sign in using your online banking account credentials.
You can also email to enroll in mobile deposit.
By downloading the free CardValet app to your smartphone, you're always in control of card activity. Turn cards off and on, set thresholds, monitor transactions, and much more — all from your phone.


You will also receive a text notification inviting you to enroll for Fraud Alert Notifications if we currently have your mobile phone number on file.

Our Fraud Alert Notifications by text allow you to be instantly notified if we suspect your debit card is used fraudulently. You will be able to reply by text to confirm.

All of this information is also available in the Customer Resource Kit you received in late October and at

Please know that we take our commitment to customer service very seriously. If you have questions or concerns during this transition, do not hesitate to reach out. Our team will be happy to assist you.

Greg Steffens
President and CEO