Compare Personal Checking Options

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Comparison Grid Personal Checking Options
 
 For anyone preferring safeguards to avoid overspending
 Great for Everyone &
Students Under 25
 Earn High Interest
 Earn Tiered Interest
 Great for Seniors Age 62+
  Budget Smart
Checking		 My Way
Checking
 Performance
Checking 		 Interest Plus
Checking 		 Heritage
Checking
   Find A Location Open Account
 Open Account  Open Account  Open Account 
OPENING DEPOSIT
 $25 $50
 $50
 $1,000
 $50
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)
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!

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Debit Cards

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

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Mobile Banking

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

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Online Banking

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

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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.