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Personal Banking

Personal Banking

At BankSouth, we value the trust you place in us to safeguard your money and work every day to ensure you have easy and secure access whenever you need it.

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Business Banking

Business Banking

BankSouth has been helping business owners launch and grow their businesses in the community for generations.  Whether you’re opening a new location or expanding your existing one, we’re ready to help.

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Online Access

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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Mortgage

Mortgage

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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Rate Lock Options

Lock in your mortgage interest rate and proceed with peace of mind knowing you are protected against a rise in interest rates during your lock period.

Secure Your Rate. Apply Now.

Extended Rate Lock

With Extended Rate Lock, you can take advantage of current rates for up to 180 days without worrying about changing rates. This provides more time to close on your perfect place to call home.

  • There is no upfront fee to use the Extended Rate Lock program.
  • Your rate is eligible to be protected from 60-180 days with BankSouth Mortgage.
  • If rates improve during your extended rate lock period, we offer a complimentary one-time rate float down option.

Secure Your Rate. Apply Now.

Lock & Shop

The BankSouth Mortgage “Lock & Shop” program allows you to lock in today’s rate and then continue shopping for your new home. Now, you can focus on finding your dream home and not worry about interest rates.

  • There are no additional fees to use the Lock & Shop program.
  • Take up to 30 days to secure a fully executed contract after the initial rate lock.
  • Your rate is eligible to be protected from 60-180 days with BankSouth Mortgage.
  • Available on purchase transactions.

Secure Your Rate. Apply Now.

Complimentary Rate Float Down

With our complimentary float down option, once you lock in your rate for at least 60 days, if rates improve more than 15 days before closing by at least .125, you can float down your rate for free.

Secure Your Rate. Apply Now.

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Extended Rate Lock Program is available for all conforming, FHA, VA and USDA fixed rate products. Lock and Shop Program available for all purchase transactions with conforming, FHA, VA and USDA fixed rate products. Float Down Option available for conforming, FHA, VA and USDA fixed rate products. Terms and programs subject to change without notice. Credit and collateral are subject to approval.

Focus on finding your dream home and not worrying about interest rates. Secure your rate.

Apply NowTalk to a Mortgage Banker