Interest Plus Checking

We understand. Some customers need to have large balances in their checking accounts. So why not put all that money to work? With Interest Plus Checking, you can earn interest on your money and earn higher rates on higher tiers of balances.


Unlimited Bill Pay

Conveniently receive, track and pay all your bills online in minutes.

Overdraft Protection Icon

Overdraft Protection

Prevent overdrafts by transferring funds from another account.

No Annual Fee Icon

No Annual Fee Credit Card

There is no annual fee for the BancorpSouth Mastercard® Credit Card with Cash Rewards.

  • Enjoy unlimited transactions 
  • Earn tiered rates of interest based on your balance
  • Enjoy no service charges if you have a balance of $1,000+ 
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Features & Benefits

Features and Benefits

  • Earn tiered interest rates based on your account balance(3) — the interest-rate tiers are based on the following balances:
    • $4,999 or less
    • $5,000-$9,999
    • $10,000-$24,999
    • $25,000-$49,999
    • $50,000-$99,999
    • $100,000 and above
  • Enjoy unlimited check writing
  • Benefit from direct deposit and have your payroll, Social Security or other recurring incomes deposited straight into your checking account
  • Get a free Mastercard® Debit Card
  • Keep track of your finances with Online Statements(4)
  • Receive image statements 
  • Manage your account with Online Banking
  • Bill Pay to make monthly payments through our secure website
  • 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)
  • 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 Interest Plus Checking account? With our optional add-on products, you can build in the extra features that 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


  • Opening deposit: $1,000
  • Monthly requirements to waive monthly service fee:
    • $1,000 minimum daily ledger balance


  • Monthly service charge:
    • Free if minimum daily ledger balance is met
    • $10 if balance falls below minimum
  • Monthly statements:
    • Free Online Statements
    • Free paper statements with imaged checks
  • Free Bill Pay with personal checking accounts

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