Budget Smart Checking

BancorpSouth is here to help you grow your financial future with educational tools and continuous support. Budget Smart ensures all customers have access to safe, trusted, and affordable banking options enabling them to save, build wealth for their families and improve the quality of life in their communities. Plant the seed. Start growing a financial future today.

Green flower icon with a yellow dollar sign as the flower

Time to Grow

An account that makes it easy to learn good money habits from the start.

Light and dark green circle arrow with yellow check mark in center Icon

Easy & Convenient

With added features like Online Bill Pay and Zelle®, Budget Smart offers simple banking solutions.

Green money surrounded by a yellow circle with a slash through the middle icon

Overdraft Avoidance

Budget Smart has overdraft avoidance, saving you money and hassle.

  • Online and mobile banking access

  • Standard Mastercard® Debit Card

  • Open an account with as little as a $25 minimum opening balance

  • $5 monthly maintenance fee

Find a Branch Learn More
Email Icon Printer Icon
Features & Benefits

Features and Benefits

  • Online bill pay and Zelle® for personal payments
  • Benefit from direct deposit and have your payroll, Social Security or other recurring incomes deposited straight into your checking account
  • Get a Standard Mastercard® Debit Card
  • Keep track of your finances with online or paper statements
  • Gain access to Spending, our online budgeting tool
  • Enjoy Mobile Banking(5)
  • Utilize Mobile Wallet ‐ a fast and secure way to keep pace with your lifestyle(14)
  • Gain access to your account information 24 hours a day with just a quick call to our InfoLine at 1-888-797-7711
  • Enjoy unlimited check writing privileges. (Checks are available for purchase.)
  • Accounts in good standing after one year, with no overdrafts or bad checks, are eligible to transfer to one of our standard checking accounts.(30)
     
Requirements & Fees

Requirements & Fees

  • Available to everyone with no incidence of conducting fraudulent activity or outstanding money owed to BancorpSouth.
  • $25 minimum to open
  • $5 monthly maintenance fee (flat fee - no options to waive)
  • No minimum balance requirements
  • Debit card - not eligible for Opt-In (on ATM and debit transactions) or Overdraft Protection Services(13)
  • Overdraft avoidance - account restrictions to help you spend only the money available by declining most transactions that exceed the amount of funds in the account(29)
     

Find a Location