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.

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Compare Personal Checking Options

Comparison Grid Personal Checking Options
CHECKING
ACCOUNT TYPE
BUDGET SMART
Has Safeguards
to Help Avoid
Overspending


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



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PERFORMANCE
Earn High
Interest



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INTEREST PLUS
Earn Tiered
Interest



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HERITAGE
Great for Seniors
Age 62+



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AVOID A MONTHLY
FEE BY
MEETING THESE
REQUIREMENT(S)
No requirements;
Monthly fee applies
$250 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
FEE IF
REQUIREMENTS ARE
NOT MET
$5 (flat fee - no
options to avoid the fee)
$8 - Everyone
$0 - Students under 25
$15
$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
$0 - Online Statements(4)
$2 - Paper Statements
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(2)
—————
Travel and entertainment
discounts, plus insurance
and free checks (8)