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.
Online Banking
Check your balances, view your transaction history, pay bills and more — all from your computer or mobile device.
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)
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
- Opening deposit: $50
- Monthly requirements to avoid a monthly fee:
- $1,000 minimum daily ledger balance
-OR- - Meet all three higher-rate requirements
- $1,000 minimum daily ledger balance
- 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
- No fee for online statements
- 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.
Disclaimers:
(2) The Higher Rate is paid on Performance Checking account balances from $0-$30,000, when the following three requirements are met during a statement cycle: 1. Have at least one ACH debit or credit. 2. Have at least 12 debit card purchase transactions. 3. Receive online statements instead of paper statements by regular mail. If you do not meet all three requirements during the statement period, you will earn the Standard Rate on all balances. The Standard Rate is always paid on that portion of Performance Checking account balances over $30,000, even if the three requirements have been met. The Standard Rate is also paid on balances from $0-$30,000 for the entire statement cycle if any of the three requirements are not met for the Higher Rate at any time during the statement cycle. Rates are subject to change at the bank’s discretion. Fees may reduce earnings. Maintain a minimum balance of $1,000 or meet the Higher Rate requirements to avoid a $15 monthly fee. Non-BancorpSouth ATM fee refunds and credits (a total of $4.00 for each of the first five non-BancorpSouth ATM transactions each statement cycle) are given at the end of each statement cycle.
(4) If an account is not enrolled in online statements there will be a $2 monthly fee for paper statements.
(6)Eligible overdraft protection sources are a BancorpSouth checking account, savings account, credit card account, and line of credit (other than a Texas home equity line of credit). See Overdraft Protection Terms and Conditions for additional details.
