Understanding Essential Checking Account Perks

When it comes to choosing a checking account, you shouldn’t have to sacrifice convenience, affordability, or flexibility. At BankSouth, our suite of checking account options is built to serve the everyday needs of Georgians — whether you’re opening your very first account or looking for smarter ways to manage your money.

Here’s a look at the essential perks that make BankSouth’s checking accounts stand out.

Low or No Monthly Maintenance Fees

No one likes being surprised by unnecessary fees. That’s why our checking accounts are structured with transparency and simplicity in mind. Most fees can be waived through straightforward activity:

• Complete Account – Waive the $8 fee with minimum $5,000 daily balance or $25,000 in combined personal deposits.
• Performance Account – Waive the $8 fee with 10 or more posted debit card purchase transactions per month (ATM withdrawals don’t apply).
• Simple Account – Waive the $5 fee with a $100 minimum daily balance or $250 in monthly deposits.
• Young Adult Account – No monthly maintenance fee, no minimum opening balance.

Managing your money shouldn’t cost you — our accounts are designed to support your lifestyle, not penalize it.

Earn Rewards & Exclusive Perks With Complete Checking

When you choose BankSouth’s Complete Checking Account, you’re automatically enrolled in BankSouth Rewards, a premium suite of benefits designed to add value and peace of mind to your everyday life, powered by BaZing. Here’s what you get:

• Fuel Savings – Earn 10¢ per gallon for up to 20 gallons each month with just 15 debit card swipes via BaZing Fuel.
• Local & National Discounts – on shopping, dining, travel and more.
• Cell Phone Protection – Receive up to $800 per claim ($1600 per year) if your phone is lost, stolen, or damaged.
• Roadside Assistance – 24/7 coverage for towing, jump‑starts, lockouts, and more; Up to $80 in service charges per incident
• Travel Accidental Death Coverage
• ID Theft Aid
• Buyer’s Protection & Extended Warranty
• Health Savings Card – Discounts on prescriptions, vision and hearing services, and more.
• Billshark Negotiation Service – Let Billshark’s experts negotiate your internet, TV, cell phone, and home‑security bills for you.
• Waived Fees & Added Convenience – Up to four non‑BankSouth ATM fees waived per statement cycle, $1,000 overdraft privilege (when qualified), Free standard check reorder annually, $5 paper statement fee waived when you sign up for e‑statements.

All of this comes bundled with your Complete Checking account and can also be accessed through our mobile BankSouth Rewards App.

Low Opening Balance Requirements

At BankSouth, we believe everyone should have access to essential financial tools. That’s why all of our checking accounts (except Young Adult) require only $50 to open. And if you’re just getting started, our Young Adult checking account has no opening balance requirement at all, making it an ideal option for students and young professionals.

Interest-Earning Opportunities

Want your checking account to do more than store funds? Our Complete and Performance accounts offer competitive rates when qualifications are met, giving you a little more back just for keeping your money with us. It’s an easy way to let your finances grow while staying liquid and accessible.

A Georgia Bank That Knows You

With deep roots across Georgia, BankSouth brings the personal attention of a hometown bank paired with the innovation of modern digital banking. From stopping by a local branch to banking from your phone, you can count on personal service, real people, and solutions built for your community.

Whether you’re a young adult starting your financial journey, a busy professional looking for convenience, or someone managing multiple deposit relationships, we offer an account that is made for the way you live. Each checking option is built with different priorities in mind — from flexibility and ease of access to reward opportunities and interest earning.

Open a Checking Account That Works for You

At BankSouth, we know that your checking account is the foundation of your financial life. That’s why we’ve created flexible, affordable options to meet your needs now and will grow with you in the future.

Open an account online or visit your nearest BankSouth branch today.