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
- Open your account with as little as $50
Features and Benefits
- Earn higher interest rates on your balances of $30,000 or less by meeting three easy requirements each statement period:(2)
- Must have at least one direct credit or debit (ACH credit or debit), such as direct deposit or automatic bill payment
- Must make at least 12 debit card purchase transactions
- Must be enrolled in Online Statements
- Always earn the standard interest rate, even if requirements are not met
- Enjoy unlimited check writing
- Benefit from direct deposit and have your payroll, Social Security or other recurring incomes deposited straight into your checking account
- Keep track of your finances with Online Statements(4)
- Manage your accounts with Online Banking
- Bill Pay to make monthly payments through our secure website
- Gain access to BudgetWi$e, 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
- Opening deposit: $50
- Monthly requirements to waive monthly service fee:
- $1,000 minimum daily ledger balance
-OR- - Must 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
- Must be enrolled in Online Statements
Fees
- 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
-OR- - Monthly paper statement fee:
- Minimum daily ledger balance of $500
-OTHERWISE- - $2 for a truncated paper statement
- $4 for a paper statement with images
- Minimum daily ledger balance of $500
- Online statements at no charge
- 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
Disclaimers:
(2) The Higher Rate is paid on Performance Checking account balances from $0-$30,000, and 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, when all of the following three requirements are met during a statement cycle: 1. Have at least one ACH debit or credit of $100 or more. 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 $10 monthly fee.
(4) If account is not enrolled in an online statement there will be a $2 monthly fee for truncated or $4 monthly fee for image paper statement. Monthly paper statement fee is avoided with a minimum daily balance of $500.
(5) Carrier data charges may apply. The BancorpSouth Mobile Banking App is available for iPhone®, iPad® and Android™ devices. Visit the iTunes Store or the Android™ Market to download your app today. If you do not have an iPhone or Android device, you can access Mobile Banking by going to bancorpsouth.com/mobile after enrolling.
(6) Overdraft protection requires either a BancorpSouth Credit Card or Equity Credit Line (both subject to credit approval).
(7) BancorpSouth Credit Card is subject to standard credit card lending policies.
(12) Affinity Cards are available for any BancorpSouth checking account and have an annual $5 fee per card.
(14)• Not available for BancorpSouth VISA credit card, Mastercard Business debit or credit card, or HSA customers. Only available for Mastercard personal debit cards or credit cards issued by BancorpSouth. • Not all retailers accept mobile wallet payments. Look for the symbol or icon representing the mobile wallet app you use prior to making purchases. Additionally, the retailer must also accept Mastercard. • Availability of your mobile wallet may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.