Checking

The one constant in your life is change, so you need a checking account that matches the way you live today. We offer a variety of checking accounts designed to fit specific financial lifestyles. Whether you are a student on the go, a retiree on a fixed budget or someone in between, we have a checking option that is right for your life.

Direct Deposit Icon

Direct Deposit

Have your payroll, Social Security or other recurring income directly deposited.

Online Banking Icon

Online Banking

Check your balances, view your transaction history, pay bills and more — all from your computer or mobile device.

Mobile Banking Icon

Free Mobile Banking

View your account activity, pay bills, transfer money or find a branch location near you.

Find a Location


Compare Personal Checking Options

Comparison Grid Personal Checking Options
 
For anyone preferring safeguards to avoid overspending
Great for Everyone &
Students Under 25

Earn High Interest
Earn Tiered Interest
Great for Seniors Age 62+
  Budget Smart
Checking
My Way
Checking

Performance
Checking
 
Interest Plus
Checking
 
Heritage
Checking

   Find A Location Open Account
Open Account  Open Account  Open Account 
OPENING DEPOSIT
$25 $50
$50
$1,000
$50
AVOID SERVICE CHARGE BY MEETING THESE MONTHLY REQUIREMENT(S)
No requirements; monthly service charge applies $100 minimum daily balance or five (5) debit card purchase transactions or at least one (1) Direct Deposit of $100 or more
$1,000 minimum daily balance or meet Higher Rate requirements(2)
$1,000 minimum daily balance
$500 minimum daily balance
MONTHLY SERVICE CHARGE IF REQUIREMENTS ARE NOT MET
$5 (flat fee - no options to waive) $5 - Everyone 
$0 - Students under 25
$10
$10
$8
INTEREST EARNED
No No
 Higher Rate (2)  Tiered Rates (3)
MONTHLY STATEMENT FEES
No fee for online or paper statements $0 - Online Statements (4)
$2 - Paper Statements
$4 - Paper Statements
with Images
No fee with $500 balance
$0 - Online Statements (4)
$2 - Paper Statements
$4 - Paper Statements
with Images
No fee with $500 balance
No fee for online or paper statements
No fee for online or paper statements
DEBIT CARD





ONLINE BANKING





BILL PAY





SPENDING




MOBILE BANKING
 (5)
 (5)
 (5)
 (5)
 (5)
OVERDRAFT PROTECTION AVAILABLE
No; overdraft avoidance available  (6)
 (6)
 (6)
 (6)
BANCORPSOUTH CREDIT CARD AVAILABLE
 (7)
 (7)
 (7)
 (7)
 (7)
ADDITIONAL FEATURES
Overdraft Avoidance(13) - helping you spend only the money available in your account by declining most transactions that exceed that amount. Students under 25 receive first box of checks printed at no charge(9)
Up to 5 ATM refunds when requirements are met (2)
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Travel and entertainment discounts, plus insurance and free checks (8)