Compare Personal Checking Options

Printer Icon
Comparison Grid Personal Checking Options
CHECKING
ACCOUNT TYPE
 BUDGET SMART
Has Safeguards
to Help Avoid
Overspending

Find a Location 		MY WAY
Great for Everyone &
Students Under 25(1)


Open Account
 PERFORMANCE
Earn High
Interest


Open Account
 INTEREST PLUS
Earn Tiered
Interest


Open Account
 HERITAGE
Great for Seniors
Age 62+


Open Account
AVOID SERVICE
CHARGE BY
MEETING THESE
MONTHLY REQUIREMENT(S)
 No requirements;
monthly service
charge applies		 $100 minimum daily
balance or five (5) debit
card purchase transactions
or at least one (1) Direct
Deposit of $100 or more
 $1,000 minimum daily
balance or meet Higher
Rate requirements(2)
 $1,000 minimum
daily balance
 $500 minimum
daily balance
MONTHLY
SERVICE CHARGE IF
REQUIREMENTS ARE
NOT MET
 $5 (flat fee - no
options to waive)		 $5 - Everyone
$0 - Students under 25
 $10
 $10
 $8
INTEREST
EARNED
 No No
 Higher Rate (2) Tiered Rates (3) Yes
MONTHLY
STATEMENT FEES
 No fee for online
or paper statements		 $0 - Online Statements(4)
$2 - Paper Statements
$4 - Paper Statements
with Images
No fee with $500 balance
 $0 - Online Statements(4)
$2 - Paper Statements
$4 - Paper Statements
with Images
No fee with $500 balance
 No fee for online
or paper statements
 No fee for online or
paper statements
DEBIT CARD




ONLINE BANKING




BILL PAY




SPENDING




MOBILE
BANKING
  (5)
  (5)
  (5)
  (5)
  (5)
OVERDRAFT
PROTECTION
AVAILABLE 		No; overdraft
avoidance
available		  (6)
  (6)
  (6)
  (6)
BANCORPSOUTH
CREDIT CARD
AVAILABLE
  (7)
  (7)
  (7)
  (7)
  (7)
ADDITIONAL
FEATURES
 Overdraft Avoidance(13)
helping you spend
only the money
available in your account
by declining most
transactions that exceed
that amount.		 Students under 25
receive first box
of checks printed
at no charge(9)
 Up to 5 ATM
refunds when
requirements are met(2)
 —————
 Travel and entertainment
discounts, plus insurance
and free checks (8)

Choose the Checking Account That’s Right for You–Right Where You Are.

BancorpSouth offers several checking accounts with a variety of features and benefits for special customers—you! There’s a BancorpSouth Checking Account ideal for students learning to take care of their finances, for young adults just starting out, for those looking to invest more, and retirees looking for discounts and perks. Compare our checking accounts and visit with one of our friendly Customer Service Representatives to decide which one is the right fit for you!

LenderChat1

Debit Cards

Easier than writing checks, accepted worldwide and your money is available when you need it with 24/7/365 ATM access.

Learn More
LenderChat1

Mobile Banking

View your account activity, pay bills, transfer money or find a branch location near you.

Learn More
LenderChat1

Online Banking

Check your balances, view your transaction history, pay bills and more — all from your computer or mobile device.

Learn More
Disclaimers:

(1)The student waiver is available upon request for students under age 25. The student waiver will automatically be removed and you will be subject to the My Way monthly service charge requirements, beginning with the first monthly statement cycle following your 25th birthday. Students are also eligible to receive the first box of 25 checks at no charge, or 50% off of a collegiate check style (first order only). Students must be at least 18 to have a single-party account. All students under the age of 18 must have a parent or guardian as a multiple-party account owner. If residing in Alabama, students under the age of 19 must have a parent or guardian as a multiple-party account owner.

(3) Interest is earned on the Interest Plus Checking account according to the following tiers: $0 – $4,999; $5,000 – $9,999; $10,000 – $24,999; $25,000 – $49,999; $50,000 – $99,999; $100,000 +.

(3) 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® 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.

(8) Heritage Checking customers receive one box free per year of special member checks and 50% off any other check offer. Accounts that receive free checks are required to pay tax and shipping on the check order.

(10) If you receive both online statements and image statements, there will be a $2 monthly fee for truncated or a $4 monthly fee for image paper statements. Monthly paper statement fee is avoided with a minimum daily balance of $500.

(11)The BancorpSouth Mobile Banking App is now 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. Bookmark this page in your phone for easy access in the future.

(12) BancorpSouth may not approve everyone for a Second Chance Checking account, only those individuals that don’t have a significant ChexSystems history. A Second Chance Checking account can ONLY be opened if customer receives a limited approval through ChexSystems. The Second Chance Checking account may be closed at any time for any reason for delinquency (bad check writing, overdrafts, etc.) or fraud. Second Chance Checking is subject to BancorpSouth’s standard deposit policies and fees. If your account is in good standing after one year (no overdrafts or bad checks), you may request a standard BancorpSouth checking account.

Minimum opening deposit is $50 for non-interest checking accounts. Please see the BancorpSouth Account Information Statement for more details regarding deposit accounts.

Subject to change without notice.