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Online Access

BankSouth offers immediate and easy access to your mobile and online banking. You can also apply for and review your ReadyLoan mortgage application.

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Banking Resources

Banking Resources

Every financial situation is unique. Explore our many resources available to you to make wise decisions when it comes to managing your money.

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For over ten years, BankSouth has helped thousands of families finance their homes.  We know how daunting this may be, but we take the worry and hassle out of the process.

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Avoiding Overdrafts

What is an overdraft?

An overdraft occurs when there is not enough money in your account to cover a transaction when it is posted to your account. This can incur fees like overdraft and returned item fees from your bank and and additional fees from the merchant (i.e. returned check fee).

Overdrafts can be caused by any type of transaction including checks, debit card transactions, ACH and ATM. It is important to keep track of all of your transactions, including checks and automatic and scheduled payments, transfers and deposits, that have not yet posted to your account to ensure you have enough money to cover any purchases and payments you make from your checking account.

Managing Your Account

The best way to avoid overdrafts and the fees associated with overdrafts is good account management. BankSouth offers several tools and services to help you manage your account, check your balance and avoid overdrafts.

  • Online and Mobile Banking
  • Telephone Banking
  • Email and Text Alerts
  • ATMs

You can also use your check register to keep track of the check payments you make and other types of transactions you make including debit card, ATM, and ACH transactions. Take our Checking Navigator course to learn about good account management.

Learn Good Account Management

More helpful tips and tools

Our Checking Navigator tool provides more tips and resources to help you manage your checking account and avoid overdrafts.

Go To Checking Navigator