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Personal Banking

 

Performance Checking

We know how hard you work for every dollar. So we've introduced Performance Checking. It's a new, personal, interest-bearing checking account. Performance Checking combines our signature service with the ability to earn a Bonus Rate on your balances of $0-$30,000 simply by using account activities you can normally do every month. Plus, earn Cash Rewards when using your Debit Card. After all, offering you a checking account that's more than just another checking account felt right to us.

Earn a Great Bonus Rate on balances of $0 - $30,000 when you meet these requirements during your statement cycle:

1. At least 1 ACH Debit or Credit - Direct Deposit and/or an automatic bill payment is a great way to do this

2. At least 12 Debit Card purchase transactions

3. Online Statement – receive an Online Statement for this account

4. Internet Banking – be enrolled in HomeSite Internet Banking for this account

Plus, when you meet these requirements and you make transactions on a non-BancorpSouth ATM, we’ll refund the BancorpSouth $2.00 service charge and credit your account an additional $2.00 against fees charged by the ATM owner for the first 5 non- BancorpSouth ATM transactions each statement cycle.

Balances of $0 - $30,000 earn the lower Standard Rate when the requirements are not met during the statement cycle. Any portion of your account balance in excess of $30,000 always earns the Standard Rate.

  • Open with as little as $50
  • Either maintain a minimum daily balance of $1,000 or meet Bonus Rate requirements to avoid a $10 monthly fee
  • Free Debit Card with Free BancorpSouth Bonus Rewards
  • Free Internet Banking - with Free Bill Pay*
  • Free Online Statement 
  • Open a Savings account with as little as $25
  • Combined statement – Combine both your Checking and Savings statements into one!
  • No annual fee BancorpSouth MasterCard® credit card with Cash Rewards**

*Customers who enroll for bill pay and have a personal BancorpSouth Checking account receive Free Bill Pay with either online statements or direct deposit, otherwise there is a $4.99 monthly charge for Bill Pay.

**Applies to new deposits only, of at least $50 for checking accounts. The Bonus Rate is paid on Performance Checking account balances from $0-$30,000, and non-BancorpSouth ATM fee refunds and credits (a total of $4.00 for each of the first 5 non-BancorpSouth ATM transactions each statement cycle) are given at the end of each statement cycle, when all of the following 4 requirements are met during a statement cycle: 1. Have at least 1 ACH debit or credit; 2. Have at least 12 debit card purchase transactions; 3. Receive your statement via online instead of by regular mail; 4. Have your Performance Checking account enrolled in Personal Internet Banking. If you do not meet all these requirements during the statement period, you will earn the Standard Rate on all balances. The Standard Rate is always paid on that portion of Performance Checking account balances over $30,000, even if the 4 requirements have been met. The Standard Rate, currently 0.25%, is also paid on balances from $0-$30,000 for the entire statement cycle if any of the 4 requirements are not met for the Bonus Rate at any time during the statement cycle. Rates are subject to change at the bank’s discretion. Personal accounts only. Fees may reduce earnings. See your account information statement for more details. Online Statements required otherwise there will be a $2 montly fee for a truncated paper statement or a $4 monthly fee for an image paper statement.

 

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.