Personal Banking

 

Investment:
Minimum to open
$250
Access
Limited to 6 withdrawals per quarter.  Excess activity incurs a $1 charge per withdrawal.
Interest
 Interest will be compounded quarterly and credited to the account quarterly.

Maintenance Fee

E-Statement - $10 per quarter if balance falls below $250

Paper Statement - $15 per quarter if balance falls below $250
Bill Pay
N/A
Chek Card
N/A
Internet Banking
No charge
Overdraft Protection
N/A
Overdraft Sweep
N/A
Statement Cycle
Monthly if accessible by EFT
Statement Cycle
Quarterly if not accessible by EFT.
Personal Checking:
Minimum to open
$500
Access
Unlimited
Interest
N/A
Maintenance Fee

E-Statement - $5 per month if balance falls below $500


Paper Statement - $7 per month if balance falls below $500
Bill Pay
$5 per statement cycle
Chek Card
N/A
Internet Banking
No charge
Overdraft Protection
Personal Line of Credit may be available to provide overdraft protection if an item is presented against insufficient funds.
Overdraft Sweep
Transfer funds from another personal account in increments of $100 if an item is presented against insufficient funds.
Statement Cycle
Monthly
Personal Interest Checking:
Minimum to open
$1,000
Access
Unlimited
Interest

Interest will be compounded monthly and credited to the account monthly.
Maintenance Fee
$15 per month if balance falls below $1,000
Bill Pay
No charge
Chek Card
No charge; individual transactions may be subject to the charges set forth on the Personal Services schedule below.
Internet Banking

No charge
Overdraft Protection
Personal Line of Credit may be available to provide overdraft protection if an item is presented against insufficient funds.
Overdraft Sweep
Transfer funds from another personal account in increments of $100 if an item is presented against insufficient funds.
Statement Cycle
Monthly
Professional Interest Checking:
Minimum to open
$5,000
Access
Unlimited
Interest
 Interest will be compounded monthly and credited to the account monthly.
Maintenance Fee

$15 per month if balance falls below $5,000
Bill Pay
No charge
Chek Card
No charge: individual transactions may be subject to the charges set forth on the Personal Services schedule below.
Internet Banking
No charge

Overdraft Protection

Professional Line of Credit may be available to provide overdraft protection if an item is presented against insufficient funds. 
Overdraft Sweep
Transfer funds from another personal account in increments of $100 if an item is presented against insufficient funds. 
Sheffield Wallet Checks
No charge
Statement Cycle
Monthly
Professional Investment:
Minimum to open
$5,000
Access

Limited to 6 covered withdrawals per statement cycle.  Excess activity incurs a $5 charge per withdrawal.
Interest
 Interest will be compounded monthly and credited to the account monthly.
Maintenance Fee

$15 per month if balance falls below $5,000
Bill Pay
N/A
Chek Card
N/A
Internet Banking
N/A
Overdraft Protection
N/A
Overdraft Sweep
N/A
Statement Cycle
Monthly
Certificate of Deposit:
Minimum to open
$10,000
Interest
Interest will be compounded and credited to the account based on the terms of the Certificate of Deposit.
Maturity
Fixed

Personal Services

The following fees may be assessed against your account.
Account balance assistance (per hour)
$20
Account research (per hour)
$20
Automated Teller Machine (ATM) or Point of Sale (POS) transactions
(based on Collected Balance at time of transaction)

More than or equal to (≥)$500
No fee

Less than (<)  $500
$1
Balance Inquiry
$2
Bill Pay (monthly)
$5
Cashier’s Check
$5
Check Printing
$*
Collection Items
$15
Duplicate Statement
$5
Nonsufficient Funds (NSF) Item (each)
$30
Overdraft (OD) (each debit or check paid)
$30
Personal Line of Credit (annually)
$30
Photocopying (per item / per side)
$1
Return Item Fee
$5
Stop Payment
$30
Wire Transfers
      Incoming
$10
      Outgoing
$15
      International
$50

* Cost of check printing varies depending on the style of checks ordered.

Dormant Accounts

An account is dormant if there has been no deposit to or withdrawal from the account for a period of one year. Dormant account statements may be mailed or electronically transmitted.

Overdraft Protection and Overdraft Sweep

Overdraft protection is available with our checking accounts by linking your account to a Personal or Professional Line of Credit. For additional information or to apply for a Personal or Professional Line of Credit, please contact an Executive Officer.

Overdraft Sweep is available with our checking accounts by transferring funds from another personal account in increments of $100 if an item is presented against insufficient funds. For additional information, please contact a Client Service Representative.

Safe Deposit Box

Available for BankSouth clients only.

Chek Card

The Chek Card is a convenient alternative to writing checks. The Chek Card allows you to pay for your purchases directly from your checking account or to withdraw cash from any Automated Teller Machine (ATM) at any Cirrus®, Pulse® or MasterCard® location. The daily card limit is $500 which is a combination of purchases and Automated Teller Machine (ATM) cash withdrawals. The daily cash withdrawal limit is $300.

Restriction of Withdrawals

BankSouth reserves the right to require written notice seven (7) days prior to your withdrawing funds from your Investment, Interest Checking, Professional Interest Checking, or Professional Investment account(s).

Yield Information

Deposit yields are updated weekly. Please contact a BankSouth Client Service Representative to receive information regarding current interest rates.

Login | Enroll