Performance Checking

We know how hard you work for your money, so choose the checking account that puts your money to work—for you.

FreeBillPay

Unlimited Bill Pay

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

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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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Earn Interest

Watch your money grow while it stays safe and secure.

  • Enjoy the opportunity to earn higher interest rates
  • Receive a Platinum Mastercard® Debit Card
  • Receive ATM Fee Refunds(2)
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Features & Benefits

Features and Benefits

  • Earn higher interest rates on your balances of $30,000 or less by meeting three easy requirements each statement period:(2)
    • Must have at least one direct credit or debit (ACH credit or debit), such as direct deposit or automatic bill payment
    • Must make at least 12 debit card purchase transactions
    • Must be enrolled in Online Statements
  • Always earn the standard interest rate, even if requirements are not met
  • Receive a Platinum Mastercard Debit Card
  • Receive up to five ATM fee reimbursements(2)
  • Bundle your checking and savings accounts for a more convenient way to budget and save toward your goals
  • Overdraft Protection options available(6)
Requirements & Fees

Requirements

  • Opening deposit: $50
  • Monthly requirements to avoid a monthly fee:
    • $1,000 minimum daily ledger balance
      -OR-
    • Meet all three higher-rate requirements
  • Monthly higher rate of interest requirements(2) (balances of $30,000 or less):
    • At least one direct credit or debit (ACH debit or credit), such as direct deposit or automatic bill payment
    • At least 12 debit card purchase transactions
    • Enrolled in Online Statements

Fees

  • Monthly Fee: $15
    • Maintain a minimum balance of $1,000 or meet the Higher Rate requirements to avoid a $15 monthly fee.
  • Monthly statements:(4)
    • No fee for online statements
      -OR-
    • Paper statements: $2 per month
  • ATM fee refund:(2)
    • A refund of the BancorpSouth $2.00 service charge will be credited to the account AND up to an additional $2.00 will be refunded for fees charged by the ATM owner FOR THE FIRST FIVE non-BancorpSouth transactions (for a total of up to $20.00) at the end of the statement cycle.

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