Budget Smart™

⁽⁵⁾ Carrier data charges may apply. The BancorpSouth Mobile Banking App is available for iPhone® and Android™ devices. Visit the iTunes Store or the Android™ Market to download your app today. If you do not have an iPhone or Android device, you can access Mobile Banking by going to bancorpsouth.com/mobile after enrolling.

⁽¹³⁾BancorpSouth’s Budget Smart Checking product is not eligible to participate in BancorpSouth’s overdraft services including, but not limited to, overdraft protection services. Those services are discretionary and do not apply to Budget Smart Checking accounts and you will not be allowed to opt-in for such services. BancorpSouth will decline or return transactions when you do not have enough money in your account to cover the amount of the transaction. While this prevents you from overdrawing your account in most cases, there may still be times when your account could have a negative balance. In instances where transactions cause you to have a negative balance or where items you issue are returned unpaid, BancorpSouth will not charge you overdraft or insufficient funds fees. If you do have a negative balance, you will be obligated to repay the overdrawn amount.

⁽¹⁴⁾• Not available for BancorpSouth VISA credit card, Mastercard Business debit or credit card, or HSA customers. Only available for Mastercard personal debit cards or credit cards issued by BancorpSouth. • Not all retailers accept mobile wallet payments. Look for the symbol or icon representing the mobile wallet app you use prior to making purchases. Additionally, the retailer must also accept Mastercard. • Availability of your mobile wallet may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

⁽²⁹⁾BancorpSouth’s Budget Smart^™ Checking product is not eligible to participate in BancorpSouth’s overdraft services including, but not limited to, overdraft protection services. Those services are discretionary and do not apply to Budget Smart^™ Checking accounts and you will not be allowed to opt-in for such services. BancorpSouth will decline or return transactions when you do not have enough money in your account to cover the amount of the transaction. While this prevents you from overdrawing your account in most cases, there may still be times when your account could have a negative balance. For example, your account could have a negative balance if a transaction is approved for one amount, but the actual charge is more than the amount of money in your account. This could happen if you use your debit card to purchase a meal where the amount for the meal is approved but the tip added after the transaction was approved makes the total charge that posts to your account exceed your account balance. Another example would be if there is not enough money in your account to cover the monthly service charge or other service charges for your account. These are just some examples of the way your account could have a negative balance.

⁽³⁰⁾BancorpSouth may not approve everyone for a Budget Smart^™ Checking account. Only those individuals that receive at least a limited approval through ChexSystems qualify. Except as provided below, Budget Smart^™ Checking is subject to BancorpSouth's standard deposit policies and fees. If you maintain your account for 12 consecutive months without having a negative balance and without having any items returned unpaid, you may request a different BancorpSouth checking account product. If your account is converted to a new product, it will be subject to the terms and conditions applicable to that product at the time of conversion.