VIEWING: Personal

Heritage Checking

The golden years are a unique time in your life, so it is fitting that we have a checking account specially designed for seniors aged 62 and better.

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Free Debit Card

Never worry about checks again with a free debit card when you open an account.

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Online Banking

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

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BudgetWi$e

View account balances, track budgets and more, all in one convenient place.

  • Earn competitive interest rates 
  • Earn travel and bonus rewards
  • Open your account with as little as $50
Open an Account Learn More
Features & Benefits

Features and Benefits

  • Earn interest on checking(13) 
  • Enjoy unlimited check writing
  • Receive personalized checks(8.1) 
  • Benefit from free direct deposit and have your payroll, Social Security or other recurring income deposited straight into your checking account
  • Get a free Mastercard® Debit Card
  • Keep track of your finances with free Online Statements(22) 
    -OR-
  • Receive free image statements
  • Manage your account with free Online Banking
  • Free Bill Pay to make monthly payments through our secure website
  • Gain access to BudgetWi$e, our free online budgeting tool
  • Enjoy free Mobile Banking(5)
  • Receive $100,000 common carrier Accidental Death and Dismemberment Insurance (AD&D)(8.2)
  • Enjoy DebitSecure; when you use your debit card, you'll get automatic protection from theft, accidents and injuries(8.3)
  • Receive Payment Card Protection: Cancel your credit card and request prompt replacement with a toll-free call(8.3)
  • Receive a free Savers Club Book: Save 50% at over 3,000 participating lodging properties from coast to coast, and receive discount offers from theme parks and car-rental companies(8.3)
  • Enjoy Bonus Travel: Earn cash rewards when you arrange travel through our toll-free number; get 5% savings on lodging expense, airline travel, car rentals, cruises and package trips(8.3)
  • Receive free copies of Sojourns® magazine(8.3)
  • Bundle your checking and savings accounts for a more convenient way to budget and save toward your goals
  • Gain access to your account information 24 hours a day with just a quick call to our InfoLine at 1-888-797-7711

Want to get more from your Heritage Checking account? With our optional add-on products, you can build in the extra features you want, for a minimal fee, without having to update your checking account option.

Add-On Benefits

  • Overdraft Protection available(6)
  • Personalize your debit card by making it one of our collegiate or specialized Affinity Cards(12)
Requirements & Fees

Requirements

  • Must be 62 years of age or older
  • Opening deposit: $50
  • Monthly requirements to waive monthly service fee:
    • $500 minimum daily ledger balance

Fees

  • Monthly service charge:
    • $8 if monthly requirements are not met
  • Monthly statements:
    • FREE Online Statements
      -OR-
    • FREE image statements with imaged checks
  • Free Bill Pay with personal checking account

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Relevant FAQs

How is my BancorpSouth check card different from my BancorpSouth credit card?

What is a scheduled transfer?

What are the features and benefits of a Platinum Debit Card?

More FAQs

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