Personal Checking

Check out our checking accounts & great benefits!

Account Options

INrewards Checking

Be Safer. Spend Smarter. It’s Simple!

INrewards Checking is an account that pays for itself with added value!

• Only a $50 minimum to open an account, with Unlimited Check Writing/Debit Card Transactions
• $7 monthly account fee*
• INSOUTH Visa^® Rewards Debit Card for those who qualify.
• No surcharge with MoneyPass^® ATMs.¹ 
• Free eStatement or $3 monthly paper statement 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.
• Rewards Club Checking includes benefits like Cell Phone 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.

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INterest Plus Checking

A perfect account for those wanting to earn high interest! Make your money work for you. Earn a great rate on your checking account balance plus have access to additional features!

• Only a $50 minimum to open
• Maintain the daily minimum balance of $2,500, and the monthly account fee of $10 is waived.
• Only a $10 monthly account fee if the balance falls below $2,500
• Free eStatement or $3 monthly paper statement fee
• Competitive interest on balances of $2,500 - $49,999
• Premium interest on balances of $50,000 - $99,999
• Superior interest on balances of $100,000 and up
• Unlimited transactions.
• eBanking services available: eStatement, Mobile Banking, INSOUTH Alerts, INSOUTH Online, INSIGHT Telephone Banking and Check Image Access. Additional fees, terms and conditions may apply.
• 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 monthly account fee imposed for every statement cycle if the balance falls below $2,500.

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INterest Checking

An account for those 50 or over and for those who want to earn interest by having a direct deposit or an automatic payment!

• Only a $50 minimum to open
• Maintain the daily minimum balance of $1,000, and the monthly account fee of $10 is waived.
• Only a $10 monthly account fee if the balance falls below $1,000
• Competitive interest balances of $1,000 and up
• Free eStatement or $3 paper statement
• Visa Rewards Debit Card
• 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.

There will be a $10 monthly account fee imposed for every statement cycle if the balance falls below $1,000.

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INcontrol Checking

A great account for everyone!

• Only a $50 minimum to open an account
• Only a $6 monthly account fee
• Monthly account fee is waived if a $400 daily balance is maintained OR 15 monthly POS debit transactions
• Free eStatement or $3 monthly paper statement fee
• INSOUTH Visa^® Rewards Debit Card for those who qualify.
• MoneyPass^® Surcharge Free ATM Transactions.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.

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Additional add-on services available

General Services

• Prefer paper statements? $3 Monthly Statement Fee
• 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

Gift at account opening: The minimum deposit to open the account and to obtain the gift is $50. Ask us for details. Bank rules and regulations apply. Other fees may apply. See Fee Schedule for details. Gift provided at the time of account opening. INSOUTH reserves the right to substitute a gift of similar value. This is a limited time offer and may be terminated or changed by INSOUTH at any time without notice. Termination of or changes to the offer will not impact earned gifts or gift eligibility in progress. Gift may be reported on a 1099-INT or 1099-MISC.

Refer a Friend: The minimum deposit to open the account and to obtain the gift is $50. Ask us for details. Bank rules and regulations apply. Other fees may apply. See Fee Schedule for details. Gift provided at the time of account opening. The newly referred customer must open an INSOUTH personal checking account with a minimum opening deposit of $50 to receive a gift. The awarding of a gift through this program may indirectly inform the Referrer that the Referred Person has established a new account with INSOUTH Bank. There will, however, be no additional information regarding any newly established account provided to the Referrer. INSOUTH reserves the right to substitute a gift of similar value. This is a limited time offer and may be terminated or changed by INSOUTH at any time without notice. Termination of or changes to the offer will not impact earned gifts or gift eligibility in progress. Gift may be reported on a 1099-INT or 1099-MISC.

Buy Back: Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented. For eligibility, must have an INSOUTH checking account that opened on or after January 26, 2024. The incentive will be credited to an INSOUTH checking account. Personal checking account: $2.00 for each pad of unused checks and each debit card, up to $10. Business checking account: $10 for any quantity of unused checks or debit cards.

Mobile Banking & Mobile Deposit: Message and data charges may apply with your cellular provider. Registration required. Online and Mobile Banking may be subject to additional terms and conditions and/or third party service provider fees. Registration and approval required for mobile deposit. Cutoff Time For Deposits Is 4:00 p.m. CST.

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 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. 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.

Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Offer good on personal accounts only; ask us about our outstanding options for your business or organization. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Up to $10 for debit cards and unused checks from another financial institution given at the time the checks/debit cards are presented.

Cell Phone Protection - 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.

IDProtect - 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.