Personal Checking

INSOUTH’s portfolio of checking solutions ensure you have the access you need when you need it so you can live life on your terms.

 

Which Account Is Best For You?

INRewards Checking

Keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases.

eAccount Checking

eTransactions-only, with technology at your fingertips this is a great way to do checking.

Relationship Personal Checking

Maximize your banking relationship

INPrime Personal Checking

Checking That Gets Better With Age

Interest Checking Plus

You’ll earn a great rate on your checking account balance

INVestor Account

For the ultimate banking experience, become an INVestor.

 

 

Account Options

INRewards Checking

Be Safer. Spend Smarter. It’s Simple!

INRewards Checking makes it simple to keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases.

  • A $100 minimum to open an account, with Unlimited Check Writing/Debit Card Transactions.
  • Monthly Account Fee of $7.00.*
  • INSOUTH Visa® Rewards Debit Card for those who qualify.
  • No Surcharge with MoneyPass® ATMs.
  • Up to $900.00 (with Direct Deposit) discretionary overdraft privilege for those who qualify – Overdraft charges apply.
  • eBanking services available: eStatement, Mobile Banking, INSOUTH Alerts, INSOUTH Online, INSIGHT Telephone Banking and Check Image Access. Additional fees, terms and conditions may apply.
  • uChoose Points Rewards with Cash Back Option (Register your card at our uChoose Points website & earn points for your signature based transactions.) Terms and Conditions may apply. Cash redemptions are issued via a credit to your Account which will be applied to your Account within 1 or 2 billing cycles. No cancellations or refunds on this item.
  • INRewards Checking also helps protect you from unexpected losses. Cellular Telephone Protection2 and IDProtect®3 with Identity Theft Expense Reimbursement Coverage.*

INSOUTH Rewards Club Checking

Monthly Account Fee of $7.00. If you choose to receive paper statements there is an additional Monthly Paper Statement Fee of $3.00; however, if you choose eStatements there is no additional cost to you for eStatements! *Please note customers less than 23 years of age will not incur the $7.00 Monthly Account Fee. Upon turning age 23, the $7.00 Monthly Account Fee will be assessed.

2. Special Insurance Program Notes related to identity theft expense reimbursement and Cellular Telephone Protection: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

3. Special Insurance Program Notes related to identity theft expense reimbursement and Cellular Telephone Protection: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

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eAccount Checking

For Customers Who Prefer to Bank On-The-Go

eTransactions-only, with technology at your fingertips this is a great way to do checking.

  • A $100 minimum to open an account, with unlimited monthly eTransactions. $.50/item for eAccount Paper Items.
  • Monthly Account Fee $3.00.
  • INSOUTH Visa® Rewards Debit Card for those who qualify.
  • MoneyPass® Surcharge Free ATM Transactions.1
  • Monthly eStatement – eStatements / eNotices or $3 Monthly Paper Statement Fee.
  • INSOUTH Bill Pay – $6.00 Monthly fee.
  • Up to $900.00 (with Direct Deposit) discretionary overdraft privilege for those who qualify – Overdraft charges apply.
  • eBanking services available: eStatement, Mobile Banking, INSOUTH Alerts, INSOUTH Online, INSIGHT Telephone Banking and Check Image Access. Additional fees, terms and conditions may apply.
  • uChoose Points Rewards with Cash Back Option (Register your card at our uChoose Points website & earn points for your signature based transactions.) Terms and Conditions may apply. Cash redemptions are issued via a credit to your Account which will be applied to your Account within 1 or 2 billing cycles. No cancellations or refunds on this item.
  • No Age Requirement or Restrictions.

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Relationship Personal Checking

A Relationship Built To Last

Are you a savvy saver and spender, looking to maximize your banking relationship? Look no further than INSOUTH’s exclusive Relationship Banking program.

  • $1,000.00 minimum to open.
  • Monthly Account fee can be avoided. A service charge of $15.00 will be imposed if Combined Minimum Balances fall below $15,000 in all Checking, Savings, IRAs plus current balances for CDs or Combined Balances of $50,000 including minimum balances for Checking, Savings and IRAs plus current balances for CDs, Mortgage Loans and Equity Lines.
  • Combined monthly statement with all your deposits and loans.
  • Relationship Checks FREE of charge.
  • Visa Premium Debit Card with double bonus points.
  • uChoose Points Rewards with Cash Back Option (Register your card at our uChoose Points website & earn points for your signature based transactions.) Terms and Conditions may apply. Cash redemptions are issued via a credit to your Account which will be applied to your Account within 1 or 2 billing cycles. No cancellations or refunds on this item.
  • Interest compounded daily and credited monthly.
  • eBanking services available: eStatement, Mobile Banking, INSOUTH Alerts, INSOUTH Online, INSIGHT Telephone Banking and Check Image Access. Additional fees, terms and conditions may apply.
  • 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.

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INPrime Personal Checking

Checking That Gets Better With Age

Your age doesn't define you, your checking account shouldn't either. Are you 62 years or older? Then you’re INPrime—and you’re entitled to a host of unique INSOUTH services, designed exclusively for you!

  • $100.00 minimum to open.
  • Monthly Account Fee of $6.00. You can eliminate this fee by: Maintaining a $300.00 minimum monthly balance, or 15 or more point of sale debit card swipes posted within the statement cycle – Not dependent on when transaction occurs (pin or signature are acceptable). If you are unable to eliminate this monthly fee, you can sign up for e-statements and receive a $1.00 credit toward your Monthly Account Fee. For months in which you avoided the Monthly Account Fee, you will not receive the credit for that month.
  • INSOUTH Visa® Rewards Debit Card for those who qualify.
  • uChoose Points Rewards with Cash Back Option (Register your card at our uChoose Points website & earn points for your signature based transactions.) Terms and Conditions may apply. Cash redemptions are issued via a credit to your Account which will be applied to your Account within 1 or 2 billing cycles. No cancellations or refunds on this item.
  • Monthly eStatement - eStatements / eNotices.
  • IDProtect® find out more.3
  • Up to $900.00 (with Direct Deposit) discretionary overdraft privilege for those who qualify – Overdraft charges apply.
  • No Surcharge with MoneyPass® ATMs.1
  • eBanking Services: eStatements, Mobile Banking, INSOUTH Alerts, INSOUTH Online, Telephone Banking, and Check Image Access.
  • INPrime Checking also helps protect you from unexpected losses. Cellular Telephone Protection2 and IDProtect®3 with Identity Theft Expense Reimbursement Coverage.*

INSOUTH Rewards Club Checking

2. Special Insurance Program Notes related to identity theft expense reimbursement and Cellular Telephone Protection: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

3. Special Insurance Program Notes related to identity theft expense reimbursement and Cellular Telephone Protection: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

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Interest Checking Plus

$1,000 minimum to open an account—maintain that minimum balance and INSOUTH will waive the monthly account fee

  • Tiered interest rates to maximize your checking balance.
  • Unlimited transactions.
  • eBanking services including online bill pay and mobile access, plus complimentary paper statements each month.
  • Make your money work harder. With Interest Checking Plus, you’ll earn a great rate on your checking account balance, plus get access to some of INSOUTH Bank’s best features.
  • INSOUTH Visa® Rewards Debit Card for those who qualify.
  • uChoose Points Rewards with Cash Back Option (Register your card at our uChoose Points website & earn points for your signature based transactions.) Terms and Conditions may apply. Cash redemptions are issued via a credit to your Account which will be applied to your Account within 1 or 2 billing cycles. No cancellations or refunds on this item.
  • Up to $900.00 (with Direct Deposit) discretionary overdraft privilege for those who qualify – Overdraft charges apply.

There will be a $10.00 monthly account fee imposed for every statement cycle if the balance falls below $1,000.00.

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INVestor Account

For the ultimate banking experience, become an INVestor.

Higher monthly balances mean higher interest rates and a greater opportunity to earn even more even faster.

  • $2,500 minimum to open an account—maintain that minimum balance and INSOUTH will waive the monthly account fee.
  • Tiered interest rates to maximize your checking balance.
  • Unlimited Teller transactions, plus 6 withdrawals per month.
  • 6 withdrawals per month then $10 each withdrawal.
  • Business Visa® Debit Card
  • uChoose Points Rewards with Cash Back Option (Register your card at our uChoose Points website & earn points for your signature based transactions.) Terms and Conditions may apply. Cash redemptions are issued via a credit to your Account which will be applied to your Account within 1 or 2 billing cycles. No cancellations or refunds on this item.
  • eBanking services including online bill pay and mobile access, plus complementary paper statements each month.
  • Complementary INSOUTH Rewards Debit Card for qualified customers.

There will be a $10.00 monthly account fee imposed for every statement cycle if the balance falls below $2,500.00.

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Additional add-on services available

General Services

  • Prefer paper statements? Add $3.00/statement.
  • Want double bonus points and access to First Tennessee ATMs across Tennessee surcharge free?
    Add $5.00/month to receive the INSOUTH Visa® Premium Debit Card.

Cellular Telephone Protection 2*

Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. (Cellular telephone bill must be paid through this account.) INSOUTHREWARDS.ClubChecking login

Feel Confident with IDProtect®

You can rest easy knowing that IDProtect3*, our identity theft monitoring and resolution service, can help better protect you and your family’s identities.

IDProtect includes:

  • Identity Theft Expense Reimbursement Coverage 3* 

    To cover expenses associated with restoring your identity”.

               INSOUTHREWARDS.ClubChecking login

  • Comprehensive Identity Theft Resolution Services
    Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.
  • Debit and Credit Card Registration
    Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration/activation required.)
  • 3-in-1 Credit File Monitoring
    IDProtect will monitor your Equifax®, Experian® and TransUnion® credit files daily, and alert you if key changes occur. (Registration/activation required.)
  • 3-in-1 Credit Report
    Request an updated credit report every 90 days or upon receipt of credit alert. Each new report includes an updated single bureau credit score. (Registration/activation required.)
  • Total Identity Monitoring
    Monitoring of over 1,000 databases (Registration/activation required.)
  • Additional Resources
    Online Identity Theft News Center & Valuable Phone & Web Resources (Registration/activation required.)

Save when you play

  • Travel and Leisure Discount Membership
    Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their smartphone. Digital Access makes saving super easy and convenient, giving instant savings anywhere, and anytime. (Registration/activation required.)
  • Gas and Gift Cards
    For life on the move – members receive 20% savings on Gas and Gift Cards. These cards are convenient to purchase, easy to use and have no hidden fees or expiration dates. (Registration/activation required. Additional terms and conditions may apply.)
  • INSOUTHREWARDS.ClubChecking login

Secure Your Peace of Mind

Peace of mind. It’s one of the most important benefits a financial institution can provide. With unrivaled security and smart savings – it’s simple! With INRewards Checking it’s easier to protect your finances, save money on everyday purchases and enjoy your life. That’s something you can bank on.

Disclaimers

  1. Fees may apply to non-bank, foreign and non-MoneyPass ATM transactions.
  2. Special Insurance Program Notes related to identity theft expense reimbursement and Cellular Telephone Protection: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.
  3. IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

* Identity Theft Expense Reimbursement and Cellular Telephone Protection Insurance products are not a deposit; not FDIC insured; not an obligation of the bank; and not guaranteed by the bank or any affiliated entity.

 

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