Compare 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 |
![]() |
![]() |
![]() |
![]() |
![]() |
OVERDRAFT PROTECTION AVAILABLE |
No; overdraft avoidance available |
![]() |
![]() |
![]() |
![]() |
BANCORPSOUTH CREDIT CARD AVAILABLE |
![]() |
![]() |
![]() |
![]() |
![]() |
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!