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
CHECKING
ACCOUNT TYPE
BUDGET SMART
Has Safeguards
to Help Avoid
Overspending


Find a Location
MY WAY
Great for Everyone &
Students Under 25(1)



Open Account
PERFORMANCE
Earn High
Interest



Open Account
INTEREST PLUS
Earn Tiered
Interest



Open Account
HERITAGE
Great for Seniors
Age 62+



Open Account
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) Yes
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)
—————
Travel and entertainment
discounts, plus insurance
and free checks (8)