Performance Checking

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


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
  • Open your account with as little as $50
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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
  • Enjoy unlimited check writing
  • Benefit from direct deposit and have your payroll, Social Security or other recurring incomes deposited straight into your checking account
  • Keep track of your finances with Online Statements(4)
  • Manage your accounts 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)
  • 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
  • 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 Performance 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: $50
  • Monthly requirements to waive monthly service fee:
    • $1,000 minimum daily ledger balance
    • Must 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
    • Must be enrolled in Online Statements


  • Monthly service charge:
    • Requirements must be met to avoid monthly service charge 
    • $10 charge if monthly requirements are not met
  • Monthly statements:(4)
    • Online statements at no charge
    • Monthly paper statement fee:
      • Minimum daily ledger balance of $500
      • $2 for a truncated paper statement
      • $4 for a paper statement with images
  • Bill Pay with personal checking accounts
  • ATM fee refund:(2)
    • $4.00 service charge refund for first five non-BancorpSouth ATM transactions and/or inquiries if higher-rate requirements are met for the statement cycle

Relevant FAQs

More FAQs

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