Personal Checking

• FREE Debit Card
• FREE Online Banking
• FREE Bill Pay

• FREE Mobile Banking with Mobile Deposit

• FREE eStatements
• FREE Thank You Gift
• FREE gifts for referring others
• BUY BACK of your debit cards and unused checks from another financial institution up to $10 - given at the time the checks/debit cards are presented.

• Prefer paper statements? $3 Monthly Statement Fee
• Add just $5.00 a month to receive the INSOUTH Visa ® Premium Debit Card for double bonus points and access to surcharge-free First Horizon ATMs across Tennessee.

• 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 IDProtect^®3*, our identity theft monitoring and resolution service, can help better protect you and joint account owners.

• 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.)

Reward Benefits

Thank you gift at account opening: The minimum deposit to open the account and to obtain the thank you 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 mobile 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.

*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.

Other fees such as non-sufficient funds, overdraft, continuous overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is only $50. Bank rules and regulations apply. Offer good on personal accounts only. 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.