Personal Checking Accounts

Whether this is your first bank account or you are an experienced financial wizard, we have a checking account to meet your specific needs. View our account options below to find an account that is right for you.

Ready to Open an Account?

We’ve provided easy tools to open your account. Click the appropriate button below to begin the process of opening an account online or visit one of our branches to consult with a personal banker.

Performance Checking

Earn up to 2.12% APY* with a Performance Checking Account

With a Performance Checking Account, your deposit and debit card activity earn you a competitive interest rate. Receive online statements, set up a monthly direct deposit of at least $100 and conduct at least 10 debit card transactions a month to receive 2.12% APY* on balances up to $25,000.¹

Eligibility Requirements

To receive the premium interest rate, all of the following requirements must be met in each statement (qualification) cycle:

Receive online (electronic) statements for this account²
At least $100 in Direct Deposits
At least 10 Debit Card Transactions³

Let Your Money Perform For You.

Open A Performance Checking Account

Click here to view additional terms and conditions for Performance Checking.

Compare Checking Accounts Side-by-Side:

Personal banking should be just that – personal, customized, perfect for your specific needs. We’ve built accounts to offer just the services that fit your lifestyle and banking preferences. See our comparison chart below.

Account Name	*Simple Checking* Open Now	*Complete Checking* Open Now	*Regular Savings* Open Now	*Money Market* Open Now	*Certificate of Deposit*	*BankSouth VIP Senior Benefits*	*BankSouth Alliance Checking*
Which account best fits your needs?	A basic checking account with minimal requirements.	Our premiere account. This account offers value, increased security and special discounts, designed just for BankSouth Clients.	Best for those who need time to build up a significant savings balance and those who don't need check writing capability.	Offers a higher rate of interest, check writing capability and more access to funds. Tiered Interest Bearing Account.	Offers a higher rate of interest through the term of the CD. Best for those who are seeking a higher return on their savings.	Program Benefits Available to BankSouth Customers 60+ years of age.	A preferred account for employees of BankSouth Business Clients.
Minimum Opening Deposit	$100	$100	$100	$100	$500	N/A	N/A
Fees/Options	N/A	$2,500 Minimum Balance OR $10,000 in Personal Deposit Relationships waives the $8 per month maintenance fee	Maintain a $200 Balance to Avoid a $6 Quarterly Maintenance Fee. $2 Monthly Maintenance Fee if Balance falls below $200 with a Combined Savings. 1 free withdrawal per month for monthly statement cycles or 3 free withdrawals per quarter if statement cycle is quarterly.	Maintain a $1,000 balance to avoid a $7.50 monthly maintenance fee. No Minimum Balance. 6 Free Withdrawals Monthly.	No Monthly Service Fees	N/A	N/A
Account Requirements	E-Statement	E-Statement	Maintain a $200 Balance to Avoid a $6 Quarterly Maintenance Fee. $2 Monthly Maintenance Fee if Balance falls below $200 with a Combined Savings.	N/A	N/A	A Simple or Complete Checking Account	Complete Checking Account
Earns Interest		With a $2,500 balance or more, interest is paid on the full deposit balance	With a $200 balance or more interest is paid on the full deposit balance	With a $2,500 balance or more interest is paid on the full deposit balance based on tiered rates.	Yes. Interest based on the rate and term of the CD.		See Complete Checking Account Description
Service Charge	N/A	$8 per month maintenance fee	See Account Requirements. $5 Excessive Withdrawal Fee	Maintain a $1,000 balance to avoid a $7.50 monthly maintenance fee. $9 Excessive Withdrawal Fee	Early Withdrawal Penalties Apply.		See Complete Checking Account Description
ATM	Fee charged by BankSouth is waived on up to four (4) withdrawals per month; Up to $12 will be refunded at the end of each statement cycle for ATM surcharges charged by the owner of non-BankSouth ATMs	Fee charged by BankSouth is waived on up to four (4) withdrawals per month; Up to $12 will be refunded at the end of each statement cycle for ATM surcharges charged by the owner of non-BankSouth ATMs				Fee charged by BankSouth is waived on up to four (4) withdrawals per month; Up to $12 will be refunded at the end of each statement cycle for ATM surcharges charged by the owner of non-BankSouth ATMs	Fee charged by BankSouth is waived on up to four (4) withdrawals per month; Up to $12 will be refunded at the end of each statement cycle for ATM surcharges charged by the owner of non-BankSouth ATMs
Mobile Deposit Fees Waived
Free Checks	First Initial Order of BankSouth Standard Wallet Style Checks with Relationship Reward*	One Free Order of BankSouth Standard Wallet Style Checks Annually				Depends on Account Type.	See Complete Checking Account Description
Other Account Features	BankSouth Online Banking Suite of Products and Mobile Banking with Mobile Check Deposit Relationship Reward* $500 Minimum Balance (at account opening) OR $5,000 in Personal Deposit Relationships (at account opening) Earns First Initial Order of BankSouth Standard Wallet Checks at no charge. Click to Open	BankSouth Online Banking Suite of Products and Mobile Banking with Mobile Check Deposit Complimentary Value Features Included: ID Protect (Features Require Customer Activation): Credit File Monitoring, Credit Report, Single Bureau Credit Score, Identity Fraud Expense Reimbursement and Resolution Service Secure Internet Browser Cellular Telephone Protection Travel and Entertainment Discounts Family Health Discounts: Prescription, Vision & Dental Discounts Up to $10,000 in AD&D Insurance Buyer's Protection & Extended Warranty Protection Additional terms and restrictions apply. See account representative for more information. Click to Open	Contact your Personal Banker or your Local Branch for current posted rates. Account withdrawals limited to 6 per month. Depending upon account type, in addition to fees, exceeding 6 withdrawals per month regularly will lead to account being closed or changed to a transaction type account, per Federal Regulation. Click to Open	Contact your Personal Banker or your Local Branch for current posted rates. Tiered Interest Rates. Account withdrawals limited to 6 per month. Depending upon account type, in addition to fees, exceeding 6 withdrawals per month regularly will lead to account being closed or changed to a transaction type account, per Federal Regulation. Click to Open	Contact your Personal Banker or your Local Branch for current posted rates. Options ranging from 3 to 60 months.	A Value Package available to BankSouth Customers 60+ years of age. Allows customers to choose which BankSouth Checking Account is right for them. In addition to other account benefits, Seniors get Unlimited Standard Wallet Checks, a Discount on Safe Deposit Box Rental, BankSouth VISA Gift Cards with no acquisition fee (2 per visit, per day) and Free Official Checks (2 per visit, per day).	A preferred account for employees of BankSouth Business Clients. Includes all the features of Complete Checking, plus 2 Standard Wallet Check orders annually, BankSouth VISA Gift Cards with no acquisition fee (2 per visit, per day) and Free Official Checks (2 per visit, per day).