INSOUTH Bank

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Personal Checking

INControl

You are in complete control with INControl Checking!
INControl Checking gives you complete access to financial and security benefits, and gives you the control to avoid the fee.

  • $100.00 minimum to open
  • Monthly Account Fee $6.00 - You Control Your Fee! (See the everyday ways to avoid your fee below )
  • NO limit on number of transactions
  • Free INSOUTH MasterCard® Rewards Check Card for those who qualify
  • Advantage Points Rewards with Cash Back Option (Register your card at our Advantage Points website & earn points for your signature based transactions)
  • Monthly eStatement - eStatements / eNotices
  • IDProtect® find out more
  • Up to $900.00 (with Direct Deposit) discretionary overdraft privilege for those who qualify - Overdraft charges apply. *
  • MoneyPass® Surcharge Free ATM Transactions
  • Free eBanking Services: eStatements, Mobile Banking, INSOUTH Alerts, INSOUTH Online, Bill pay, Telephone Banking.

Ways to Eliminate the Monthly Account Fee:

  • Maintain a $300 minimum monthly balance or
  • 25 or more point of sale debit card swipes posted within the statement cycle - Not dependent on when transaction occurs (pin or signature are acceptable)

Additional value added features:

  • $3.00 monthly Paper Statement Fee (if you prefer to receive Paper Statements on your account)
  • $5.00 monthly Fee to receive the INSOUTH Premium Check Card. (Gives you access to First Tennessee ATMs Surcharge free and MasterCard Premium Check Card with double bonus points)

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INPrime Checking     

Our popular account for customers 62 years and older.

  • $100.00 to open
  • Monthly Account Fee $6.00 - You Control Your Fee! (See the everyday ways to avoid your fee below )
  • First check order Free
  • NO limit on number of transactions
  • Free INSOUTH MasterCard® Rewards Check Card for those who qualify.
  • Advantage Points Rewards with Cash Back Option (Register your card at our Advantage Points website & earn points for your signature based transactions)
  • Monthly paper statement with check imaging
  • IDProtect® find out more
  • Up to $900.00 (with Direct Deposit) discretionary overdraft privilege for those who qualify - Overdraft charges apply. *
  • MoneyPass® Surcharge Free ATM Transactions
  • Free eBanking Services: eStatements, Mobile Banking, INSOUTH Alerts, INSOUTH Online, Bill pay, Telephone Banking.
  • Free Travelers Checks
  • Notary Service
  • Photocopies (some limits apply)

    Ways to Eliminate the Monthly Account Fee:

  • Maintain a $50 minimum monthly balance or
  • 5 or more point of sale debit card swipes posted within the statement cycle - Not dependent on when transaction occurs (pin or signature are acceptable)
  • $1 Credit with eStatements with Monthly Account Fee of $6.00

Additional value added features:

  • $5.00 monthly Fee to receive the INSOUTH Premium Check Card. (Gives you access to First Tennessee ATMs Surcharge free and MasterCard Premium Check Card with double bonus points)

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Interest Checking Plus   

For customers who want to earn interest on their checking account.

  • $1,000.00 to open
  • $1,000.00 minimum balance to avoid Monthly Account Fee of $10.00
  • Tiered interest rates on balances over $1,000.00, compounded daily and credited monthly
  • Unlimited transactions
  • Monthly statement with check imaging
  • FREE INSOUTH MasterCard® Rewards Check Card for those who qualify
  • FREE Internet Banking with FREE Bill Pay
  • Up to $700.00 ($900.00 with Direct Deposit) discretionary overdraft privilege for those who qualify *

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INVestor Account

An investment account that pays higher rates of interest.

  • $2,500.00 to open
  • $2,500.00 minimum balance to avoid Monthly Account Fee of $10.00
  • 6 withdrawals per month, then $10.00 each
  • Unlimited teller transactions
  • Tiered interest rates, compounded daily and credited monthly
  • Monthly statement
  • Free INSOUTH MasterCard® Rewards Check Card for those who qualify, with an active checking account

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Relationship Banking  

Maximize your total banking relationship, and get all the extras you expect as a valued customer!

  • $1,000.00 minimum to open
  • Avoid a $15 Monthly Account Fee with $15,000 in combined minimum deposit balances or combined balances of $50,000 including deposits, mortgage loans and Equilines
  • Combined monthly statement with all your deposits and loans
  • Relationship Checks FREE of charge
  • FREE MasterCard Premium Check Card with double bonus points
  • Interest compounded daily and credited monthly
  • Platinum MasterCard® credit card (upon approval)
  • FREE Internet Banking with FREE Bill Pay
  • Discounts on safe deposit boxes (subject to availability)
  • One personal INVestor account with no fee
  • Personal Line of Credit (on approval)
  • .25% APR discount on new installment loans
  • $10,000 AD&D and $50,000 common carrier insurance, travel discounts, and more
  • FREE Annual Financial Check-up with INSOUTH Financial Services

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* Important Information about Overdraft Protection. http://www.insouth.com/ODP.aspx