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Personal Banking


Regulatory Changes May Be Affecting Your Everyday Purchases:

The BancorpSouth Overdraft Payment Service you are automatically enrolled in as a BancorpSouth checking account holder helps give you the peace of mind that BancorpSouth has the discretion to pay a transaction even though you may currently not have enough funds in your account - saving you from the inconvenience and possible embarrassment of having your transaction denied. But, unless you opt-in, this service will not cover ATM or everyday (non-recurring) debit card transactions.

Due to regulatory changes, beginning August 15, 2010, banks will no longer have the discretion to pay overdrafts caused by ATM or everyday (non-recurring) debit card transactions, on consumer accounts unless the consumer specifically requests it by opting in to that service.


 

Take Full Advantage of our Overdraft Payment Services by Opting-In:

How do I opt in?

For your convenience BancorpSouth offers several opportunities for you to easily opt in for Overdraft Payment services for ATM and everyday debit card transactions.

  • Branch
  • Phone 1-888-797-7711
  • Internet Banking - Click on "Secure Forms" tab

 

Avoid Overdraft-related Fees By Managing Your Account:

The best way to avoid Overdraft-related fess is to properly manage your account so that you do not overdraw it. Otherwise, you may avoid Overdraft-related Fees through one of the Overdraft Protection products offered by BancorpSouth. Credit Card Overdraft Protection works by charging your BancorpSouth MasterCard or VISA credit card for cash advances in the total amount of transactions drawn against insufficient funds, with resulting deposits of the cash advance amounts into your account to cover such transactions, up to the available cash advance limit of your credit card. Credit Card Overdraft Protection transactions are subject to all of the rules and finance charge provisions applicable to cash advances under teh Cardholder Agreement. You may also avoid Overdraft-related Fees by establishing a BancorpSouth Equity Credit Line, which is a line of credit. The form of Overdraft Protection works by charging your Equity Credit Line in the amounts of transactions drawn against insufficient funds, with resulting deposits of these amounts into your account to cover such transactions, up to the available credit limit of your Equity Credit Line. An Overdraft Equity Credit Line fee and interest charges will be charged to your Equity Credit Line in accordance with the terms of your Equity Credit Line agreement. You may also avoid Overdraft-related Fees by linking your account to another checking or savings account you have with BancorpSouth. This form of Overdraft Protection works by debiting from your other account the amounts of transactions drawn against insufficient funds, with resulting deposits of these amounts into your account to cover such tranactions, up to the available balance of your other account. A transfer fee will be charged. It is still possible for your account to become overdrawn and to incur Overdraft-related Fees even if you use an Overdraft Protection product, such as when your credit card or Equity Credit Line reaches its applicable limit or the available balance of your linked account is depleted and you continue to make transactions on your account. Call a BancorpSouth customer service representative at 1-888-797-7711 to ask about our Overdraft Protection products. Also, ask a customer service representive for a copy of our flier, "Avoiding Bank Fees."

Many services are available to help you manage your accounts:

  • Internet Banking
    • Access your account information, make transfers, and pay bills
    • Setup an automatic savings plan
    • Receive email alerts when your balance falls below your set amount
  • Mobile Banking - access your account information on your mobile phone
  • FinanceWorks - your complete financial picture all in one place
  • Bill Pay - schedule and pay your bills on time, everytime
  • Online Statements - the quickest way to access your current month's statement
  • Paper Statements - mailed right to you
  • Savings tools and tips on our Financial Resources page
  • Online Financial calculators

Click the banner below for financial resource links to thrid-party websites in which we have partnered with to give you helpful and educational resources. With these websites, educators, parents, and students can access free educational resources including personal finance articles, games, lesson plans, and more.

 

 

 

 

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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.