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"Interest Plus Checking" from BancorpSouth
The Basics
Debit Cards & Using ATMs
This account includes 'BancorpSouth Cash Rewards' to put money back into your account based on your debit card usage at specific online merchants. There is no annual fee for this card.
There is a $1.50 fee each time you use a non-affiliated ATM.
There is a $1.50 fee each time you use a ATM in another country. In addition, there is a fee calculated as 1.00% of the total amount withdrawn.
Electronic & Telephone Banking
In addition to the standard online banking features, this service includes "Finance Works" -- a personal finance tool for budgeting and planning.
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- Notice of when a specific check clears.
- Reminders of an upcoming billpay.
- Confirmations that a billpay has been processed.
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- Notice of when a specific check clears.
- Reminders of an upcoming billpay.
- Confirmations that a billpay has been processed.
You can download 360 days of transaction history in the following formats:
- Quicken 2007 and above;
- MS Money for 2007 and above;
- Microsoft Excel.
- Quicken 2007 and above;
- MS Money for 2007 and above;
- Microsoft Excel.
This institution supports:
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills.
- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills;
- An iPhone application to view account balances, view recent activity, transfer funds, pay bills.
Automated Phone Banking
Free
You can access your transaction history directly through Quicken and MS Money.
Checks & Statements
Overdrawing the Account
The Insufficient Funds Fee is $32.00 per overdraft.
This checking account has 3 options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $5.00. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
- Transfer fee of $5.00. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
From a linked Credit Card Account:
- Transfer fee of 3% of transferred amount ($5 minimum and $60 maximum). The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
- Transfer fee of 3% of transferred amount ($5 minimum and $60 maximum). The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
From a linked Overdraft Line of Credit:
- Transfer fee of $5.00. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00
- Transfer fee of $5.00. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00
Savings and Money Market Accounts
'Classic Savings ' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.18 % at minimum balance to earn interest;
- 0.18% at minimum balance to avoid fees;
- 0.18% at $25,000.00
- 0.18 % at minimum balance to earn interest;
- 0.18% at minimum balance to avoid fees;
- 0.18% at $25,000.00
'Personal Money Market' requires $1,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.45 % at $25,000.00
- 0.10 % at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.45 % at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $100.00.
'Money Market Select' requires $1,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10 % at minimum balance to earn interest;
- 0.50% at minimum balance to avoid fees;
- 0.85 % at $25,000.00
- 0.10 % at minimum balance to earn interest;
- 0.50% at minimum balance to avoid fees;
- 0.85 % at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $10,000.00.
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We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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