A strong commitment to the communities across the region is a testament to Bancorpsouth’s Banking services. The bank serves its communities in the area by working with customers and investing in communities by supporting economic development and financial education. This article covers what you need to know about navigating the Bancorpsouth login portal.
Please note that Bancorpsouth and Cadence Bank have come together to serve their collective customers better and now Bancorpsouth goes by the corporate name of Cadence Bank.
| Website | https://cadencebank.com/ |
| Branch/ ATM Locator | Locations |
| Routing Number | 062206295 |
| Swift Code | CDBKUS44 |
| Contact | 800-636-7622 or 888-797-7711 |
| Bancorpsouth Mobile Apps | Google Play Store I Play Store |
How to Login to Bancorpsouth Login Portal
Step 1: Access the Bancorpsouth Bank homepage through this link.
Step 2: Locate the yellow Login box on the top right corner of the screen:
Step 3: Insert your User ID and Password.
Step 4: Afterwards, you can click the Log In button to proceed.
How to Reset Your Password on Bancorpsouth Login Portal
There are some cases when some customers have completely forgotten their account password. Do not worry, because this article will show you how to recover your password.
Step 1: Click the Forgot Password? button underneath the Password box on the login box in the homepage.
Step 2: You will then be directed to a link as shown in the picture below.
Step 3: Insert your User ID and your SSN/TIN
Step 4: Then click the Submit button to continue your password recovery.
Bancorpsouth Forgot Username – Learn how to Recover it
Sometimes, we need to send money in an emergency for a family member in a tight spot. But all of a sudden if you cannot remember your user ID, you may not be able to help in time. Follow the instructions below to safely and securely recover your USER ID.
Step 1: Click the Forgot User ID? button underneath the Password box on the login box in the homepage.
Step 2: You will then be directed to a link as shown in the picture below.
Step 3: Insert your Birth Date / Established Date, Account Number/Type and your SSN/TIN
Step 4: Then click the Submit button to continue your username recovery.
You can also locate their local branch and pay a visit to talk to a bank representative or you can call the branch directly and ask them to help you recover your username at 800-636-7622 or 888-797-7711 for personal banking concerns.
How to Open an Account on Bancorpsouth Login Portal
Step 1: Click the Register Now button underneath the Login button on the homepage.
Step 2: After that, the website will direct you to the TERMS OF SERVICE link, as shown below.
Step 3: After you agree to their Terms of Service, click the Accept button to proceed.
Step 4: Choose whether you want to make an account for Personal or Business needs by marking the dot given next to User Type.
Step 5: Insert your Social Security Number, Last Name, ZIP Code, Birth Date, and Account Number/Type for your Personal account. For your Business account, insert your Tax ID, Company Name, Zip Code, Established Date, and Account Number.
Step 6: Then click the Submit button to proceed. Follow the next couple of steps to finalize your online bank account on Bancorpsouth Bank online banking login system.
Bancorpsouth Bank Type of Accounts/Services
In this section, we will look at the accounts and services offered by Bancorpsouth Bank for Personal and Business clients as well as Mortgage services.
Personal Banking
In this section, we will break down in more detail of the Personal Banking services offered by Bancorpsouth Bank.
Personal Checking
Every customer will discover all of the features and benefits that come with each personal BancorpSouth checking account service. Here are some of the services offered:
- Performance Checking: with this checking, customers can enjoy Unlimited Bill Pay, Online Banking, Earn higher Interest Rates, and Platinum Mastercard Debit Card.
- Interest Plus Checking: with this checking, customers can earn higher interest rates on higher tiers of balances. It also comes with several benefits such as a free Mastercard® Debit Card and unlimited check writing, and account management with Online Banking.
- My Way Checking comes with add-on benefits such as Overdraft Protection, and debit card personalization by making it a specialized Affinity Card, and Students under 25 will receive the first box of 25 checks printed at no additional charge.
- Heritage Checking is specifically designed for seniors aged 62 or more. All seniors can enjoy several benefits such as receiving $100,000 common carrier Accidental Death and Dismemberment Insurance (AD&D), Receiving Payment Card Protection, and Bonus Travel rewards when arranging travel overseas,
- Budget Smart Checking will enable all customers to save and build wealth for their families as well as improve the quality of life in their communities. With this checking, you can always keep track of your finances with online or paper statements, get a Standard Debit Mastercard® Card, and enjoy unlimited check writing privileges.
Checking allows you to do your daily transactions without hassle. You can evaluate whether Bancorpsouth Bank suits your needs.
Debit Cards
Debit cards of Bancorpsouth Bank will remove the burden of keeping up with loose cash and it saves you time by making transactions quicker. There are two types of Debit Cards you can choose from:
- Mastercard® Debit Card: You can use this card wherever it’s accepted, and gain free access to funds 24 hours a day through BancorpSouth ATMs, and it’s free with any checking account.
- Platinum Debit Card: As the name suggests, Platinum Debit Card comes with platinum performance for every purchase you make. This is also backed by Mastercard® Zero Liability protection and it’s free with a Performance Checking account.
Moreover, debit cards can display a description of every purchase or ATM cash withdrawal with your online checking account, or on your monthly checking account statement.
Affinity Cards
An affinity Card is basically a card that you can customize to match your personality trait. There are four card designs you can select:
- Ole Miss® Affinity Debit Card
- Mississippi State University® Debit Card
- Southern Miss® Debit Card
- Pink Card
Whether you like Sports or studying in Mississippi or want to present a new card to your loved ones, Bancorpsouth Bank got you covered.
Additional Checking Services
BancorpSouth Bank provides additional services that make banking better than anything else. Here are some of the services available:
- Balance Notifications feature the ability to easily manage all of your checking and saving accounts, set reminders to find out if your account balance is low, and have an email sent to you when your account reaches a specific amount.
- Overdraft Services will help you track how much money is in your account. You can also arrange the overdraft service by visiting a local branch or by calling the bank.
For personal banking needs, call them at 800-636-7622 or 888-797-7711.
Personal Savings
With personal savings, you can always set savings goals for your dream vacation, first home, or early retirement, and as a financial tool to learn about practical money skills. Here are some of the savings options available:
- My Goal Savings have features like gaining immediate access to your savings account, and automatically transferring funds from checking into savings, and it’s ideal for a first savings account.
- Performance Savings allows you to earn a higher rate on balances of up to $100,000. It also comes with another benefit such as earning a standard interest rate when higher rate requirements are not required.
- Select Savings allows you to earn interest quarterly on your balances, maintain immediate access to funds, and receive quarterly statements.
- Young Savers Account is ideal for youngsters and with this account, any youngsters can transfer their funds automatically from checking to savings.
Once you have a clear comprehension of what are you saving for, it’s much easier to select an account suitable for you.
Other Savings Services
Apart from a Traditional Savings account, Bancorpsouth offers a variety of services from HSA’s to Safe Deposit Box. Here are some of them:
- Health Saving Account (HSAs) is available to protect customers financially with benefits such as Tax-deductible, transferring funds automatically from a checking account to HSA, and you can get a free Health Savings Account Card to make tax-free withdrawals for qualified health expenses.
- Certificate of Deposit (CDs) offers several benefits such as earning higher rates of return than standard savings accounts, no monthly fee, free Online Banking, and flexible interest payment options.
- Money Market Select will ensure you earn tiered interest rates, free online banking, and free access to Online Statements.
- Safe Deposit Box allows you to keep your valuables safe and sound. Some valuables you can protect include Birth certificates, Certificates of Deposit (CD), Insurance policies, Mortgages, Stock certificates, Tax Records, and many more.
It is important to consider your already established savings account before utilizing these services.
Consumer Loans
Bancorpsouth Bank offers consumer loans to help you pay for things you crucially need like purchasing a car, paying for school, and renovating your house. You can select each of these loans below:
- Home Equity Line of Credit can get you competitive rates and in order to achieve this credit, you can either visit your local branch or you can apply it online.
- Auto Loans offer competitive fixed rates, quick approval decisions, and flexible terms to all potential buyers who look for new or used cars. You can visit your local branch for more information.
- RV and Boat Loans can help you looking to purchase a new or used RV or boat with competitive rates and flexible payment options. Visit your local branch for more information before purchasing your RV or boat.
If you find any of these loans helpful, do not hesitate to choose Bancorpsouth service.
Credit Cards
Bancorpsouth Bank offers credit cards with a wide array of options to choose from that will fit your financial needs:
- Standard Mastercard® gives you benefits such as no annual fee, secure ATM access, and a low annual percentage rate on purchases.
- Gold Mastercard® has perks you can enjoy such as Roadside Assistance, Secure ATM access, and gain 24-hour access to your credit card information.
- Platinum Mastercard® adds more oomph than the Gold Mastercard by giving you a Credit limit of $5,000 or above and you can set up an automatic bill payment.
- Mastercard® Student Card is available for all students from senior high school to universities who want to manage their educational needs. Students can apply for this card in the nearest branch.
- Secured Mastercard® provides the most security than most cards giving you access to your accounts via the Online and MyBXS Mobile App, Mastercard ID Theft Protection, and access to Emergency customer service anywhere, anytime in any language.
Credit cards allow you to make purchases you could not have with just your own earned money.
Business Banking
In this section, we will break down in more detail about Business Banking services offered by Bancorpsouth Bank.
Business Checking
Bancorpsouth Bank has business checking to help you stay ahead of your business competition. The Bank tailored accounts that fit your company’s needs and here are some of them:
- Business My Way Checking: With this checking, you can manage your business checking account electronically and reduce paper waste. You’ll get several benefits from this account like 225 free transactions each month and a free bank zip bag.
- Business Checking Plus offers more simplicity in checking and purchasing. This checking offers benefits like free Online Statements, free MasterCard® BusinessCard® Debit Card, and 500 free transactions each month.
- Commercial Checking: This account is ideal for any businesses that do more than 500 transactions per month, and need to take full advantage of their treasury Management services, and it’s also perfect for large balances.
- Business Interest Checking: With this checking, you can earn tiered interest rates based on your balance, receive a monthly paper statement with imaged checks, and enjoy 50 free transactions per month.
- Non-Profit Checking allows you to conduct 100 free transactions per month as well as receive a monthly statement with imaged checks and free image statements with imaged checks.
You can always assess and check if these accounts suit your business requirements.
Business Savings
Bancorpsouth has plenty of savings plans that will keep your business’s future on track toward great progression.
- Business Savings will give you easy access to your funds with competitive interest rates, free Online or Paper Statements, and make deposits and withdrawals at any time.
- BusinessSelect Money Market can get you a tiered interest rate based on your balance and you can get a free business debit card as well as six free debit transactions per month.
- Business Certificates of Deposits (CDs) are ideal if you’re looking for interest rates f return than standard savings accounts, need no monthly fee, free online banking, and you can enjoy maturity terms of 1 to 60+ months.
These are the savings plans Bancorpsouth offers.
Business Loans
Bancorpsouth provides loan resources to assist in maintaining your small start-up business or your big-league enterprise. There are three types of loans to choose from:
- Business Equity Credit Line will allow you to have instant and flexible access to the credit when you need it. The purpose of this service is to manage your business’s cash flow efficiently. You can visit your local branch for more information.
- Owner-Occupied Real Estate is available to help you purchase the ideal location for your business or optimize your property. Bancorpsouth will offer you competitive rates and loans with both fixed and adjustable rate options. Visit your local branch for more information.
Depending on your requirement and the rates you can afford, you can apply for the relevant loan.
Mobile Banking Capabilities of Bancorpsouth Bank
Bancorpsouth Bank provides a mobile banking app to stay connected to your BancorpSouth accounts no matter where you are. The app has a variety of services including:
- MyBXS Mobile App,
- Mobile Deposit,
- Zelle,
- Bill Pay,
- Mobile Wallet,
- Online Statements,
- Online Transfers, and
- Quicken.
Moreover, you can download the app on the Apple App Store or Google Pay.
Common Banking Fees of Bancorpsouth Bank
In this section, we will break down the common fees of each Personal and Business account if requirements are not met to make one account.
Personal Checking Account
Here are a couple of fees to look out for:
- A BUDGET SMART checking account monthly fee is $5
- MY WAY checking account monthly fee is $8 for everyone, 0$ for students under 25, and 2$ paper statements per month.
- PERFORMANCE checking account monthly fee is $15 and 2$ paper statements per month.
- INTEREST PLUS checking account monthly fee is $10
- HERITAGE checking account monthly fee is $8
It is imperative to pay close attention to all of these fees before deciding which personal checking account to make.
Personal Saving Account
Here are some of the fees to look out for:
- My Goal Savings account monthly fee is $5 and a $5 fee for each transaction over six per month
- Performance Savings account monthly fee is $2.50 and a $5 fee for each withdrawal after the sixth transaction
- Select Savings account monthly fee is $15 and a $5 fee for each withdrawal after the sixth transaction
Pay close attention to all of these fees before deciding which personal savings account to make.
Business Checking Account
Here are some of the fees to look out for your business:
- Business My Way checking account monthly fee is $10, a $0.50 fee over 225 transactions per month, and a $2 paper statement fee per month
- Business Checking Plus account monthly fee is $20, a $0.50 fee over 500 transactions per month, and a $2 paper statement fee per month
- Commercial Checking account monthly fee is $15, $0.16 transaction fee per debit posted, and $0.30 per deposit
- Business Interest Checking account monthly fee is $10 and a $0.35 fee per additional transaction over 50
- Non-Profit Checking account monthly fee is $10 and a $0.35 fee per additional transaction over 100 per month
Use this as a guide to decide which Business Checking account is suitable for the benefit of your business venture/s.
Business Savings Account
Here are some of the fees to look out for your business:
- The business Savings account monthly fee is $10 and $5 for each additional withdrawal per month.
- BusinessSelect Money Market’s monthly fee is $10 and a $10 fee for each withdrawal after the sixth transaction
Pay attention to all of these fees before deciding which Business Savings account is suitable for the benefit of your business venture.
Bancorpsouth Bank Minimum Deposit
In this section, we will mention the minimum deposit required to open an account for Personal and Business needs.
Personal Checking Account
For the Personal Checking account, the minimum deposit of each account varied from each other, ranging from $25 – $1,000.
- A BUDGET SMART checking account requires a $25 minimum deposit to open
- The performance Checking account requires a $50 minimum deposit to open
- Interest Plus Checking account requires a $1,000 minimum deposit to open
- Heritage Checking account’s opening deposit is $50 at minimum
- Budget Smart Checking requires a $25 minimum deposit to open
Make sure to check all of these minimum deposits before opening your personal checking account.
Personal Savings Account
For the Personal Savings account, the minimum deposit of each account varied from each others, ranging from $25 – $1,000.
- My Goal Savings account’s opening deposit is $100 at minimum
- Performance Savings account requires a $50 minimum deposit to open
- Select Savings account requires a $1,000 deposit to open
- Young Savers account’s opening deposit is $25 at minimum
Make sure to examine all of these minimum deposits before opening any account.
Business Checking Account
For the Business Checking account, the minimum deposit of each account varied from each others, ranging from $50 – $1,000.
- Business My Way Checking account requires a $50 minimum deposit to open
- Business Checking Plus account requires a $50 minimum deposit to open
- Commercial Checking account requires a $100 minimum deposit to open
- Business Interest Checking account requires a $1,000 minimum deposit to open
- Non-Profit Checking account requires a $100 minimum deposit to open
Make sure to double-check all of these minimum deposits first before finalizing your decisions.
Business Savings Account
Since Business Savings is only available in two options, the minimum deposit is only available in two figures, as you can see below:
- Business Savings account’s minimum deposit is $50
- Business Select Money Market account requires a $1,000 minimum deposit to open
Make sure to double-check all of these minimum deposits before opening your business savings account.
Bancorpsouth Bank Interest Rates
When it comes to Interest Rates, Bancorpsouth Bank only provides two types of accounts that come with tiered Interest Rates based on your account balance: Money Market Select and Interest Plus Checking.
Interest Plus Checking tiers are as follows:
- $4,999 or less
- $5,000-$9,999
- $10,000-$24,999
- $25,000-$49,999
- $50,000-$99,999
- $100,000 and above
Money Market Select tiers are as follows:
- $0-$9,999
- $10,000-$24,999
- $25,000-$49,999
- $50,000-$99,999
- $100,000-$149,999
- $150,000-$499,999
- $500,000+
Should you need more information about the exact percentage of Interest rates you will get in every account, feel free to do a quick call to their InfoLine.
How To Contact Bancorpsouth Bank
You can send an email for assistance to Bancorpsouth Bank by filling in your name, email address, phone number, and the problem you want them to assist with, as shown below:
The customer service number is 800-636-7622.
Personal services phone number is 800-636-7622 or 888-797-7711.
Business services phone number is 800-636-7622 or 888-797-7711.
Bancorpsouth Bank began in the back of a hardware store in 1876 and it kept growing until 2021 when the Bank acquires FNB Bank and National United, hence expanding its market in Alabama, Georgia, Tennessee, and Texas. Now it is known by the corporate name, Cadence Bank after its merger with Cadence.
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We hope this article on how to navigate their Bancorpsouth login portal, services, fees, etc., was useful to you.
