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Business Banking
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Business Banking

Small Business Banking

Owning or managing any business is a challenge. At BancorpSouth we want to take the hassle and stress out of banking for small businesses with a line of specially crafted banking products that allow you to have big business advantages that help your business grow with little or no impact to your hard-earned profit.

The name is as easy to understand as our products: Small Business Banking, featuring:

  • E-Business Checking - With Free Internet Banking and Bill Pay*
  • Business Debit Card
  • Business Credit Card - with free BancorpSouth Rewards**
  • Business Equity Credit Line***
  • Personal Checking
    • for you the business owner or manager
    • for your employees
  • "Checkless Checking" Option for Employees
  • Treasury Management Services
    • Express Deposit - Remote Deposit Capture
  • Merchant Services - credit card and checking processing
  • Insurance and Investment Advice
  • Asset Management and Trust Advice
  • Leasing through BancorpSouth Equipment Finance - click here

And, you don't have to go far to find it. Small Business Banking is as close as your nearest BancorpSouth office - or closer. With a call from you, our Small Business Advisor will stop by to see you at a convenient for you.

Cost efficient? Let's start with our e-Business Checking account with 225 free transactions per statement cycle and an opening deposit of only $50.

Small Business Banking from BancorpSouth can help you manage your business and personal finances, offer your employees banking benefits and help your business grow.

Small Business Banking from BancorpSouth is why for over 130 years BancorpSouth has been the bank of preference for small business owners and managers.

 

*First 225 transactions Free: debits, credits, items deposited combined 50¢ for each additional transaction, Free BusinesSite Internet Banking: 10 Bill Pay transactions Free per month, then only 75¢ each, Free bank zip bag, Itemized monthly statement with check images

**Subject to standard credit card lending policies. ***Certain conditions apply, subject to credit approval.

 

Regulation E Disclosure

VerisignEqual Housing LenderMember FDIC
Insurance and Investment products are:
Not a Deposit Ð No Bank Guarantee Ð Not insured by FDIC or other Government Agency
Not a Condition of any Bank Loan, Product or Service
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MUTUAL FUND FEES AND ADDITIONAL COMPENSATION

Mutual funds are subject to various fees, charges and other expenses, including investment management fees and various distributionrelated fees (including 12b-1 fees), transfer agency fees and other administrative service fees. The current prospectus for the applicable mutual fund contains more detailed information concerning the fund and its objectives, risks, fees and charges. A copy of the current prospectus may be obtained by contacting your Account Administrator.

BancorpSouth Asset Management & Trust receives fees or other compensation ("Fund Compensation") when your account's assets are invested in certain mutual funds, including money market mutual funds. Some Fund Compensation is paid to us from the assets of the funds ("Fund-Paid Compensation") and impacts your investment return. In other instances, Fund Compensation is paid out of the assets of the fund's manager/sponsor ("Manager-Paid Compensation") and does not impact your investment return. Generally, Fund Compensation is paid to us at least quarterly and is based on a percentage of the average daily net assets of your account invested in the fund. The Fund Compensation we receive is in addition to our normal asset-based fees and other fees and the value of your account's assets will be included in calculating our normal asset-based fees and applicable Fund Compensation.

Trading Platform. If you direct the investment of your account, you have access to a wide variety of mutual funds on our BancorpSouth Asset Management Trading Platform. Many of the mutual funds available on the Trading Platform pay us Fund-Paid Compensation for sub-transfer agency and related services, which fees typically range from 0.10% - 0.15% annually. In addition, certain funds available on the Trading Platform pay us Fund-Paid Compensation in the form of 12b-1 fees for various administration and customer servicing relating to the fund's shares held by your account, which fees typically range from 0.00% to 0.25% annually.

Asset Allocation Models. Currently, we receive Fund-Paid Compensation only in the form of sub-transfer agency fees (for services related to buying, selling, and holding fund shares) from some mutual funds (including money market funds) that are used in our Asset Allocation Models. The sub-transfer agency fees we receive range from 0.00% to 0.15%. The amount of Fund Compensation we receive will vary from fund to fund and may not apply in the case of some funds. Our investment process is designed to pick funds for the Asset Allocation Models without regard to whether a fund pays us Fund Compensation and without regard to the amount of such compensation.

Money Market Mutual Funds. Your account's short-term balances are invested in money market mutual funds sponsored/managed by Federated Securities Corp. ("Federated Money Funds") or money market mutual funds sponsored/managed by Goldman Sachs Asset Management, L.P. ("Goldman Money Funds"). As of March 1, 2011, we receive Manager-Paid Compensation from Federated Securities Corp. or its affiliates of up to 0.05% of the average net assets invested in Federated Money Funds and from Goldman Sachs Asset Management or one of its affiliates of up to 0.06% of the average net assets invested in the Goldman Money Funds. The level of Manager-Paid Compensation will vary from time to time.

For additional information, please contact your Account Administrator.