BancorpSouth and Cadence Bank have come together. Here's what you need to know: BancorpSouth customers / Cadence customers

Performance Checking

We know how hard you work for your money, so choose the checking account that puts your money to work—for you.

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Performance Checking Features


Unlimited Bill Pay

Conveniently receive, track and pay all your bills online in minutes.

Online Banking

Check your balances, view your transaction history, pay bills and more — all from your computer or mobile device.

Earn Interest

Watch your money grow while it stays safe and secure.1
Additional features
See Performance Checking details
Features and Benefits
  • Earn higher interest rates on your balances of $30,000 or less by meeting three easy requirements each statement period:2
    • Must have at least one direct credit or debit (ACH credit or debit), such as direct deposit or automatic bill payment
    • Must make at least 12 debit card purchase transactions
    • Must be enrolled in Online Statements
  • Always earn the standard interest rate, even if requirements are not met
  • Receive a Platinum Debit Mastercard®
  • Receive up to five ATM fee reimbursements2
  • Bundle your checking and savings accounts for a more convenient way to budget and save toward your goals
  • Overdraft Protection options available4
  • Opening deposit: $50
  • Monthly requirements to avoid a monthly fee:
    • $1,000 minimum daily ledger balance
    • -OR-
    • Meet all three higher-rate requirements
  • Monthly higher rate of interest requirements(2) (balances of $30,000 or less):
    • At least one direct credit or debit (ACH debit or credit), such as direct deposit or automatic bill payment
    • At least 12 debit card purchase transactions
    • Enrolled in Online Statements
  • Monthly Fee: $15
    • Maintain a minimum balance of $1,000 or meet the Higher Rate requirements to avoid a $15 monthly fee.
  • Monthly statements:3
    • No fee for Online Statements
    • -OR-
    • Paper statements: $2 per month
  • ATM fee refund:2
    • A refund of the Cadence $2.00 service charge will be credited to the account AND up to an additional $2.00 will be refunded for fees charged by the ATM owner FOR THE FIRST FIVE non-Cadence transactions (for a total of up to $20.00) at the end of the statement cycle.
Apply online or stop into your local branch.
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3 steps to your new checking account.

  1. Complete our online application.
  2. Fund your account with as little as $50.
  3. Sign up for online banking.

Other personal checking accounts to consider

Interest Plus Checking

The higher your balance, the more you earn.

My Way Checking

Get all the features you’d expect, and more.

Budget Smart Checking

Avoid overspending and stay on track

Heritage Checking

Get special perks for seniors aged 62+.

1Interest earned daily on the collected balance using the daily balance method and is credited and compounded monthly at statement time.

2The Higher Rate is paid on Performance Checking account balances from $0-$30,000, when the following three requirements are met during a statement cycle: 1. Have at least one ACH debit or credit. 2. Have at least 12 debit card purchase transactions. 3. Receive online statements instead of paper statements by regular mail. If you do not meet all three requirements during the statement period, you will earn the Standard Rate on all balances. The Standard Rate is always paid on that portion of Performance Checking account balances over $30,000, even if the three requirements have been met. The Standard Rate is also paid on balances from $0-$30,000 for the entire statement cycle if any of the three requirements are not met for the Higher Rate at any time during the statement cycle. Rates are subject to change at the bank’s discretion. Fees may reduce earnings. Maintain a minimum balance of $1,000 or meet the Higher Rate requirements to avoid a $15 monthly fee. Non-Cadence ATM fee refunds and credits (a total up to $4.00 for each of the first five non-Cadence ATM transactions each statement cycle) are given at the end of each statement cycle.

3If an account is not enrolled in online statements there will be a $2 monthly fee for paper statements.

4See Overdraft Protection Terms and Conditions for additional details and availability.

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