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Let Us Help Answer Your Questions

Let Us Help Answer Your Questions

Our goal is to make the transition to BancorpSouth as smooth as possible and keep you informed along the way. As with any change, there are questions to be answered. How does this affect me? When will my accounts change? Is my branch closing?

We have included many of these answers in our Frequently Asked Questions. However, we understand that you might still have questions. We are here to help. Please do not hesitate to contact your local branch.

 

General Information

What does integration mean and why is it occurring?

A: Icon has joined the BancorpSouth family. Integration refers to the necessary changes to our banking systems to ensure that your account information is transferred into the BancorpSouth system.  

How does this integration affect me?

A: BancorpSouth is in the process of transitioning Icon accounts to our system. By now, you should have received communications giving you details of that integration, how it will affect your particular accounts, and if any action is needed. You will now have access to a broader range of financial services and more branch locations that can help make banking easier.

Will Icon change its name to BancorpSouth?

A: Yes. All locations will be referred to as BancorpSouth. The official name change is expected to occur at the close of business on November 30, 2018. Signage and documents will begin to reflect the change at that time.

Who will I contact if I need assistance during or after the integration?

A: Before December 1, 2018, continue to use your Icon banking team. Once the integration is complete, you will also have access to BancorpSouth Customer Service at 1-888-797-7711 from 7:00 a.m. to 8:00 p.m. Monday-Friday, from 7:00 a.m. to 5:00 p.m. Saturday, or visit us at BancorpSouth.com. You may also stop by any of our locations during regular business hours.

Deposit Account Information

Will there be changes to my product type?

A: There may be. You should have received a communication as to how your account will change, if at all. If the communication stated there will be changes, your account will automatically be updated to a BancorpSouth account that has features similar to what you have now. If you have not received a communication in the mail, please contact your local Icon banking team, and they will assist you.

What if I want a different product type for my account?

A: After reviewing your new product and services information, should you feel a different product would better suit your needs, stop by one of our branches starting December 3, 2018, and we will do our best to accommodate you with the product you prefer.

Will my deposit accounts continue to be insured by the FDIC?

A: Yes. Your deposit accounts will continue to be insured by the FDIC. The standard FDIC insurance amount is $250,000 per depositor, per insured bank, for each ownership category. During the first six months after merger your transferred deposits will be separately insured from any accounts you may already have had at BancorpSouth. This period allows you to evaluate your account structure and maximize FDIC insurance coverage.

Will I still have overdraft protection on my personal account?

A: If you have overdraft protection that is tied to a savings account, it will transition to BancorpSouth and will remain active.

Will my routing number change? If so, when?

A: Yes. At integration, the routing number will change to 084201278. Please do not make any changes at this time. We’ve taken the steps necessary to ensure your current routing number (and current checks) will continue to work for existing payments and direct deposits such as payroll or Social Security, etc. Begin using this new routing number after December 3 when re-ordering checks or establishing new automatic payments.

Will I receive a new debit card, or can I use my existing debit card?

A: You will receive a new BancorpSouth debit card in the mail prior to conversion. You may begin to use your new BancorpSouth debit card on December 3, 2018. At that time, your Icon debit card will be deactivated; please destroy it. Your Personal Identification Number (PIN) has not changed. Use the same PIN that you used with your Icon debit card.

If you haven’t received your BancorpSouth debit card by November 26, 2018, please contact your local branch.

Will the daily limit on my debit card for ATM and point-of-sale transactions change?

A: With your BancorpSouth debit card, you may withdraw from ATMs up to a maximum of $400.00 (or your available balance if less than $400.00) per card per processing day, and use point-of-sale terminals to purchase goods or services up to a maximum of $10,000.00 (or your available balance if less than $10,000.00).
For additional terms and conditions, please review the BancorpSouth ATM Card and Mastercard Debit Card Disclosure included with your new card.

Should I continue to use my current checks and deposit slips?

A: If there is NO change to your account number, you may continue using your existing checks and deposit slips until they are gone. When it is time to reorder your checks, you may do so at BancorpSouth.com or your local branch.

A:If you received notice that your account number will change, you will receive complimentary new checks with your new BancorpSouth account number and should begin to use those on or after December 3, 2018. For future orders, you will need to reorder checks with your new BancorpSouth account number.

I received a communication that I will have a new BancorpSouth account number. Do I need to update any automatic payments, direct deposits, etc. with my new account number?

A: Yes. If you received notice that your account number will change, soon AFTER December 3, 2018, you will need to update your account information on any automatic payments, direct deposits, etc. BancorpSouth will send you a set of complimentary new checks with the updated account and routing number that you should begin using on December 3, 2018. If you did not receive a notice, your account number is unchanged.

How will checks that I have written from my Icon account prior to conversion be handled? Will they be honored after conversion?

A:Checks that are in circulation prior to the system conversion should post to your account without a problem.

Will I continue to receive images of my checks with my statements?

A: Depending on the type of account you had with Icon, you may continue to receive images of your checks with your BancorpSouth statements. Please refer to the BancorpSouth Account Information Statement that was mailed to you with your account conversion information for details.

I currently receive an eStatement notification; will I continue to receive an eStatement notification?

A: For online statements arriving after December 2, 2018, you will receive an email notification from estatements@bxs.com when your statement is available.

When will I receive my last Icon account statement?

A: All Icon deposit account customers will receive a final statement that is reflective of the activity and balance on Icon systems as of November 30, 2018. As a reminder, this final statement will be mailed to you via USPS and will NOT be available to you online. Please look for it in the mail and retain it for your records.

To provide adequate time for you to get acquainted with your BancorpSouth deposit accounts and make any necessary changes, any monthly product service charge on these deposit accounts will be waived for 30 days (a minimum of at least one statement cycle) after conversion.

Will I continue receiving wire transfers to my account?

A: To ensure that wire transfers are properly credited to your account, please inform the originator of the wire transfer of the following information:
Financial Institution Name - BancorpSouth Bank
Bank Routing Number (ABA number) – 084201278
Your name and account number

Will there be any changes to my Certificate of Deposit (CD) or Individual Retirement Account (IRA)?

A: No. You will keep your current interest rate on your existing CD or IRA. At maturity, you will receive advance notice that your CD or IRA will renew under the terms and conditions offered by BancorpSouth at that time. If your CD and IRA account numbers need to change, you will be contacted by BancorpSouth.

Can I withdraw money from my CD prior to the maturity date?

A: Yes. However, early withdrawal penalties may apply if money is withdrawn before the maturity date.

 

Telephone Banking Information

Does BancorpSouth have a 24-Hour Customer Service Number?

By December 1, 2018, you will have access to the BancorpSouth automated 24-Hour Telephone Banking System, also known as InfoLine, by calling 1-888-797-7711. Here you can check your account balance, review your transactions, transfer funds, make payments, report lost or stolen cards and more. You will also have access to BancorpSouth live Customer Service from 7:00 a.m. to 8:00 p.m. Monday-Friday and from 7:00 a.m. to 5:00 p.m. Saturday by calling this same number.

Important: Upon the first-time use of this service, you will be asked to enter your Social Security Number, your date of birth, and a valid account number. Once confirmed, you will be prompted to set up a four-digit Telephone Access Code. Future calls to Infoline will require your SSN and the new four-digit Telephone Access Code you set up.

 

Safe Deposit Box Information

If I have a Safe Deposit Box at Icon, can I keep it?

A: Yes. You will continue to use your current safe deposit box uninterrupted. At the time of renewal for your safe deposit box, BancorpSouth standard safe deposit box fees will apply. You will receive an annual billing notice informing you of the safe deposit box rate.

 

ATM Information

Can I use a BancorpSouth ATM?

A: Yes. Effective immediately, you may begin using BancorpSouth ATM machines and not be charged a foreign ATM usage fee. You now have access to more than 280 BancorpSouth ATM locations across the eight states where BancorpSouth operates branches. Please refer to the BancorpSouth website for a complete list of all BancorpSouth branches in your area: BancorpSouth.com/FindALocation

Branch Location Information

Will my Icon location change?

Beginning December 3, 2018, you will have access to all BancorpSouth locations to conduct your banking needs. Please refer to the BancorpSouth website for a complete list of all BancorpSouth branches in your area: BancorpSouth.com/FindALocation

Will there be a change in daily lobby and drive-through hours?

A: There are no changes to hours of operation at this time.

 

Online Banking Information

Will I need to re-register for I-Banking Online Banking?

A: No. Your online account will be transitioned from Icon to BancorpSouth Online Banking. Important: Whether you use mobile or desktop online banking now, your initial login to BancorpSouth Online Banking must be through a web browser from a desktop computer or a tablet device.

For Personal Online Banking Users:  At your initial login, use your existing Icon I-Banking Online service Access ID and the new temporary password which will be mailed to you. You will then be asked to accept the BancorpSouth Online Banking Terms and Conditions.

For Business Online Banking Users:  At your initial login, use the Icon I-Banking Online service Access ID that was mailed to you and the temporary password that was provided in a separate mail piece. You will then be asked to accept the BancorpSouth Online Banking Terms and Conditions.

Can I access BancorpSouth Online Banking from my iPad or tablet?

A: Yes. By downloading to your device the MyBXS Mobile app from the appropriate app store, you will be able to access online banking or by visiting BancorpSouth.com from a browser.

How do I create my security questions within Online Banking?

A: After successful login, you will be prompted to set a permanent password, security questions and answers. These questions and answers are for your protection and will be used in verifying your account access. If you need to update your security questions, you can do so through the following steps:

1. After logging in to BancorpSouth Online Banking, go to the Customer Service tab.
2. Click on the Manage Security Questions in the Personal Information box.
3. From here you will be able to change or update any of your questions.
4. Please do NOT use special characters in your answers.

How do I add a checking or savings account to my Online Banking account?

1. Login to BancorpSouth Online Banking.
2. Go to the far right tab labeled Customer Service.
3. Look in the Preferences box and click on Manage Account Preferences.
4. Your current accounts will populate on the next screen.
5. Under your current accounts, click the Add Account button.
6. You will be prompted to select which accounts you want to add.

I'm having trouble updating Quicken. Is there something I need to do with your Online Banking system to update it?

Click HERE for information about how to update Quicken.

Will I continue to have access to my account statement and notices through Online Banking?

A: Your Icon account statement history WILL NOT be transferred to BancorpSouth Online Banking. You will need to print or save your existing Icon eStatement documents so you will have them to access should you need them at a later time. You will not have access to Icon I-Banking Online after 3:00 p.m., Friday November 30, 2018. Moving forward, your future BancorpSouth online statements will be available through BancorpSouth Online Banking.

 

Bill Pay Information

Will I still be able to pay my bills through BancorpSouth Online Bill Pay?

A: Yes. By December 2, 2018, you may login to BancorpSouth Online Banking. You will be able to access bill pay from here.

Will my scheduled payments transfer over to BancorpSouth Online Bill Pay?

Yes. Your payee list and scheduled payments will automatically transfer to BancorpSouth Online Bill Pay, so there is no need for you to re-enter the information.

Will my scheduled “Pay to Person” payments transfer over to BancorpSouth Online Bill Pay?

A: No. Any payments scheduled through Icon’s Pay to Person to process after November 30, 2018, will not transfer over to BancorpSouth Online Bill Pay.

 

Mobile App Information

How do I access the MyBXS Mobile app?

A: Once you have logged into BancorpSouth Online Banking through a web browser from a desktop computer or tablet device and completed the initial setup process, you will have access to view your account information through the MyBXS Mobile app. The app is compatible with iPhone or Android devices. Visit the appropriate app store to download.

Important: You must complete your initial login to BancorpSouth Online Banking through a web browser from a desktop computer or tablet device before using the MyBXS app.

 

Loan Account Information

Will there be changes to my loan terms or where I make loan payments?

Terms for consumer loans will remain the same. Some variable rate commercial loan customers will receive a change in terms in a separate mailing. You can continue to make personal and commercial loan payments at the bank location nearest you. If mailing payments on or after December 1, 2018, please send to the relevant address below:

Commercial/Consumer Loan Payments
BancorpSouth Bank
Post Office Box 789
Tupelo, MS 38802-0789

Mortgage Loan Payments
BancorpSouth Bank
Post Office Box 3356
Tupelo, MS 38803-3356

For questions, please contact BancorpSouth Customer Service at 1-888-797-7711 from 7:00 a.m. to 8:00 p.m. Monday-Friday and from 7:00 a.m. to 5:00 p.m. Saturday.

 

Business Account Information

Will I continue to receive a payment notice for my business loan?

Business customers will continue to receive notices on their accounts for payments, rate changes and delinquencies, as applicable.

Will I have access to Business Online Banking and Bill Pay service?

A: BancorpSouth offers online banking access for businesses depending on the products, services and features that your business requires. Customers who need basic access for a singular user will utilize BancorpSouth Online Banking and Bill Pay.

For those that require multi-user access and complex services (such as ACH or wire), Treasury Management communications with instructions will be mailed to you, and a Treasury Management Officer will be in touch to assist in the transition to the appropriate online service.

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