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.

Online Account Opening Now Available. Find out More.

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

Interest Checking Plus

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

INVestor Account

For the ultimate banking experience, become an INVestor.

Online Account Opening

Online Account Opening is now available for INRewards, INPrime, and eAccount checking accounts.

Why open an account online?

It's a simple, streamlined process that can easily be completed in minutes, from anywhere.
It's optimized for all of your devices including computer, phone, and tablet.
All from a safe, secure environment with built in identity verification.

Account Options

INRewards Checking

Be Safer. Spend Smarter. It’s Simple!

INRewards Checking makes it simple to keep your 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.¹
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 Rewards Points^®** with benefits such as cash back⁺, travel, merchandise, and gift card options. You can also pay with rewards when using PayPal^*** (Register your card at our uChoose Rewards Points website & earn points for your signature based transactions.) Terms and Conditions may apply.
INRewards Checking also helps protect you from unexpected losses. Cellular Telephone Protection² and IDProtect^®3 with Identity Theft Expense Reimbursement Coverage.^2*

^{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: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

3. Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits required authentication, registration and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.

Apply Now Contact Us

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 Rewards Points^®** with benefits such as cash back⁺, travel, merchandise, and gift card options. You can also pay with rewards when using PayPal^*** (Register your card at our uChoose Rewards Points website & earn points for your signature based transactions.) Terms and Conditions may apply.
No Age Requirement or Restrictions.

Apply Now Contact Us

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 Rewards Points^®** with benefits such as cash back⁺, travel, merchandise, and gift card options. You can also pay with rewards when using PayPal^*** (Register your card at our uChoose Rewards Points website & earn points for your signature based transactions.) Terms and Conditions may apply.
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). Safe Deposit boxes are not FDIC insured.
One personal INVestor account with no fee.
Personal Line of Credit (All loans are subject to approval).
.25% APR discount on new installment loans.
FREE Annual Financial Check-up.

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 Rewards Points^®** with benefits such as cash back⁺, travel, merchandise, and gift card options. You can also pay with rewards when using PayPal^*** (Register your card at our uChoose Rewards Points website & earn points for your signature based transactions.) Terms and Conditions may apply.
Monthly eStatement - eStatements / eNotices.
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.^2*

^{INSOUTH Rewards Club Checking}

3. Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. 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.

Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.

Apply Now Contact Us

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 Rewards Points^®** with benefits such as cash back⁺, travel, merchandise, and gift card options. You can also pay with rewards when using PayPal^*** (Register your card at our uChoose Rewards Points website & earn points for your signature based transactions.) Terms and Conditions may apply.
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.

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 Rewards Points^®** with benefits such as cash back⁺, travel, merchandise, and gift card options. You can also pay with rewards when using PayPal^*** (Register your card at our uChoose Rewards Points website & earn points for your signature based transactions.) Terms and Conditions may apply.
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.

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.

INSOUTH Rewards Club Checking

INSOUTH Rewards Club Checking Login

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.)
IDProtect^® - You can rest easy knowing that IDProtect3*, our identity theft monitoring and resolution service, can help better protect you and joint account owners.

IDProtect includes:

Identity Theft Expense Reimbursement Coverage ^2*
To cover expenses associated with restoring your identity”.
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.)
Credit File Monitoring
IDProtect will monitor your single bureau credit files daily, and alert you if key changes occur. (Registration/activation required. Credit file monitoring may take several days to begin following activation.)
Credit Report and Score
Access to single bureau credit reports and single bureau score. Credit scores is a VantageScore 3.0 based on single bureau credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. (Registration/activation required.)
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.)

Travel and Leisure Discounts
Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their mobile device. Digital Access makes saving super easy and convenient, giving instant savings anywhere, and anytime. (Available online only)
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.)

Disclaimers

Fees may apply to non-bank, foreign and non-MoneyPass ATM transactions.
Special Insurance Program Notes related to identity theft expense reimbursement and Cellular Telephone Protection: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.
IDProtect service is a personal identity theft protection service with benefits available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a "signer on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

* Insurance products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate.

**uChoose Rewards is a registered trademark of Fiserv,Inc. Registration required. Terms and conditions apply. +Cash redemptions are issued via a credit to your INSOUTH checking account. It may take up to five (5) business days to credit your account. No cancellations or refunds on this item. ***Registration required. When using points at checkout, each point is worth $0.00915, which means 100 points equals $0.915 in redemption value. You may not see Pay with Rewards every time you check out online with a merchant. Not currently available for sending money, recurring payments, and in-store transactions. Pay with Rewards will be available on eligible cards on eligible purchases or can be donated to support a charitable cause with PayPal Giving Fund. Terms and conditions may apply.