Performance Checking

We know how hard you work for every dollar. So we’ve introduced Performance Checking. It’s a brand new, free, 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 $1.50 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
• No monthly maintenance fee
• No minimum balance to maintain
• Free Debit Card with Free BancorpSouth Cash Rewards
• Free HomeSite Internet Banking - with Free Bill Pay*
• Free Online Statement
• Image Statement
• Open a Savings account with as little as $25
• Free 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 the combination of a BancorpSouth debit card and online statement, or a BancorpSouth debit card and 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 $3.50 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.

Regulation E Disclosure