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Personal Banking

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Free Debit Card and Platinum Debit Card

  • Use your Debit MasterCard at millions of locations that welcome/accept MasterCard debit cards.
  • It looks like a credit card - works like a check, deducting purchase directly from your checking account
  • Your receipt helps you keep track of your transactions
  • Serves as your ATM card
  • Transactions are reported on your checking account statement
  • Earn Debit Bonus Rewards through Online Banking – Click here to learn more 

24-Hour Banking ATM Card

  • Access your checking account from thousands of ATMs all over the world
  • At many locations make deposits, loan payments, transfers between accounts
  • So many benefits - from one handy card
  • Use at merchants where PULSE is accepted

Overdraft Protection

With a BancorpSouth checking account and a BancorpSouth MasterCard® or VISA® account, should you write a check larger than the amount in your account, the bank automatically transfers funds to your checking account in the amount of the overdraft - up to your available credit card limit. You repay MasterCard or VISA the amount transferred, plus the standard cash transfer fee (3% of the transfer with a minimum of $10 and a maximum of $60) and finance charges from the date of transfer.

Applications are available at any BancorpSouth office or by calling 1-888-797-7711.

  • Avoid the embarrassment of bounced checks
  • Eliminate the merchant returned check charge
  • Reduce the bank overdraft charge to a minimum fee

Other types of Overdraft Protection – You can also use your Equity Credit Line or another BancorpSouth Checking account for Overdraft Protection, please visit your local office for additional information and fees related to each of these other methods.

Free Combined Statement

See activity and balances on checking and savings accounts every month on one statement (Regular six-month savings statement will not include checking information).

Free Online Statement
 

No more paper statements! Receive your statements safely and securely via your BancorpSouth Internet Banking. You’ll receive your statement faster because you won’t have to wait on the mail, save trees, and it's secure within your BancorpSouth Internet Banking. Plus view up to 18 months of your statement history.  

 Mobile Banking

Now, you can use your wireless phone to receive and pay bills, view account balances, make transfers, and more all for FREE. Learn More.

 

 

 

 

 

Regulation E Disclosure

VerisignEqual Housing LenderMember FDIC
Insurance and Investment products are:
Not a Deposit – No Bank Guarantee – 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.