Second Chance Checking Account

Everybody deserves a second chance. Second Chance Checking can help get you back on the right track. Visit a branch near you, and let us review your check writing history to see if Second Chance Checking is right for you.

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Free Online Banking

Check your balances, view your transaction history, set budgets and more — all from your computer or smartphone.

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Set savings goals, track budgets and more, all in one convenient place.

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Build Your History

Build your good check writing history and work towards a standard BancorpSouth checking account.(12)

  • Unlimited check writing privileges*
  • Standard Mastercard® Debit Card
  • Open an account with as little as a $50 minimum opening balance
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Features & Benefits

Features and Benefits

  • Enjoy unlimited check writing privileges with a standard monthly service charge*
  • Benefit from direct deposit and have your payroll, Social Security or other recurring incomes deposited straight into your checking account
  • Get a Standard Mastercard® Debit Card
  • Keep track of your finances with Online Statements(4)
  • Manage your accounts with Online Banking
  • Gain access to Spending, our online budgeting tool
  • Enjoy free Mobile Banking(5)
  • Utilize Mobile Wallet – a fast and secure way to keep pace with your lifestyle(14)
  • Gain access to your account information 24 hours a day with just a quick call to our InfoLine at 1-888-797-7711
  • Accounts in good standing after one year, with no overdrafts or bad checks, are eligible to transfer to one of our standard checking accounts. (12)
  • Bill Pay is not available with this product
Requirements & Fees


  • Minimum opening deposit: $50
  • Must not have a significant ChexSystem history(12)


  • Monthly service charge:
    • $10.00 regardless of balance
  • Monthly statements:(4)
    • Itemized monthly paper statements without images
  • Checks are to be paid for by the account holder
  • Bill Pay not available with this product

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