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Home » Checking Accounts

"Heritage Checking" fromBancorpSouth

  • Website
  • 1-888-797-7711

The Basics

Minimum Opening Deposit A $50.00 deposit is required to open this account.
$50.00
Account Restrictions You must be a senior 60 or older to open this account.
Seniors
Monthly Service Fee The Monthly Service Fee of $8.00 can be waived by maintaining a minimum daily balance of $500.00.
$8.00
Annual Percentage Yield (APY) The account earns 0.02% interest.
0.02%%

Debit Cards & Using ATMs

Debit Card
$0.00/yr
Non-affiliated ATM Usage Fee There is a $2.00 fee each time you use a non-affiliated ATM.
$2.00/per use
International ATM Usage Fee There is a $2.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 2.00% of the total amount withdrawn.
$2.00/per use

Electronic & Telephone Banking

Online Bill Pay
Free
Mobile & Text Banking This institution supports:- A text messaging service to view account balances;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills.
Free
Deposit Checks with Mobile Phone This feature is available on iPhone, iPad, and Android mobile applications.
Free
Person-to-Person Payments Zelle
Free
Email Alerts This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- when a specific check clears.
Included with Online Banking
Automated Phone Banking
Free

Checks & Statements

Unlimited Check Writing
Yes
Free or Discounted Checks One free box per year of special member checks and 50% of any other check offer
Yes
Monthly Paper Statements
Yes
Check Images with Statements No fee
Included
Online Statements
Yes
Online Check Images
Yes

Overdrawing the Account

Negative Balance Fee There is a $36.00 fee after 10 days that your account has a negative balance.
Yes
Returned Item Fee The Insufficient Funds Fee is $36.00 per overdraft.
$36.00/per item
Overdraft Protection This checking account has 4 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $10.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:The Transfer fee is 3% of transferred amount with a $10.00 minimum and a $60.00 maximum. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Transfer fee of $10.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.
Available

How We Get Our Information

We conduct our own research for all the institutions listed.

Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.

All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.

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