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Personal Checking

Whether this is your first bank account or you are an experienced financial wizard, we have a checking account to meet your specific needs. Here’s how you can find out which account is right for you.
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. 
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. 

*Establish a Qualifying Direct Deposit within 30 days of account opening. Qualifying Direct Deposit: Defined as a direct deposit of regular monthly income such as your salary, pension, social security benefits which are made through the Automated Clearing House (ACH) by your employer or other payer. Other types of transfers and deposits do not qualify for a waived monthly maintenance fee. Examples of non-qualifying deposits include: teller deposits, wire transfers, non-periodic direct deposits (such as tax refunds or payments from the sale of goods & services), online banking transfers, telephone transfers and ATM transfers or deposits. Other qualifying criteria may be used in lieu of Direct Deposit to meet account requirements. Contact a Personal Banker for more details.

**E-Statement available at no charge. Paper Statements available for a $2 monthly fee.

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

Qualifying Direct Deposit* AND $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.

No Monthly Service 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 Image of a X 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. Image of a X See Complete Checking Account Description

Service Charge

N/A $8 per month maintenance fee See Account Requirements. $5 Excessive Withdrawal Fee $9 Excessive Withdrawal Fee Early Withdrawal Penalties Apply. Image of a X See Complete Checking Account Description
Nationwide ATM Refunds Image of a Check Mark Image of a Check Mark Image of a X Image of a X Image of a X Image of a Check Mark Image of a Check Mark

Mobile Deposit Fees Waived

Image of a Check Mark Image of a Check Mark Image of a X Image of a X Image of a X Image of a Check Mark Image of a Check Mark
Free Checks
First Initial Order of BankSouth Standard Wallet Style Checks with Relationship Reward***
One Free Order of BankSouth Standard Wallet Style Checks Annually Image of a X 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*** Qualifying Direct Deposit* OR $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. An Value Package available to BankSouth Customers 60+ years of age. Allow 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).