A checking account designed for you

Your cash, your goals, your terms—that’s the way INSOUTH Bank sees checking.

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  • INSOUTH Rewards Check Card
  • Low minimums
  • Unlimited monthly transactions
  • eBanking, including mobile banking and online bill pay
  • IDProtect® identity theft monitoring
  • Customized benefits based on your checking account status, including loan discounts, overdraft protection and much more

Among INSOUTH Bank’s most popular products, INPersonal Checking Accounts provide the convenience of a traditional checking accounts with the benefits of a check card. Based on your unique needs and financial goals, INSOUTH can recommend the ideal personal checking account, ensuring you’ll have access to your funds whenever and wherever you need it.

It’s your money and your goals—let INSOUTH help bridge the gap.

Which Account Is Best For You?

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/Check Card Transactions
  • Monthly Account Fee of $7.00. 
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.
  • INSOUTH MasterCard® Rewards Check Card for select customers, with comprehensive cash back options. 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.
  • 24/7 eBanking features, including monthly eStatements, Mobile Banking and Alerts, and more
  • Overdraft protection for those who qualify plus MoneyPass®
    surcharge-free ATM transactions for all customers*

* Fees may apply to non-bank, foreign and non-MoneyPass ATM transactions.

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For Customers Who Prefer to Bank On-The-Go. This is an 
eTransactions-only account. With technology at your fingertips, 
this is a great way to do checking.

  • A $100 minimum to open an account, with unlimited monthly eTransactions. $0.50/item for eAccount Paper Items.
  • Low $3.00 Monthly Account Fee.
  • INSOUTH MasterCard® Rewards Check Card for select customers, with comprehensive cash back options. 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.
  • 24/7 eBanking features, including monthly eStatements, Mobile Banking and Alerts, and more
  • Online Bill Pay $6.00 Monthly Fee
  • Overdraft protection for those who qualify plus MoneyPass® surcharge-free ATM transactions for all customers *

* Fees may apply to non-bank, foreign and non-MoneyPass ATM transactions.
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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 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 Equilines.
  • .25% APR discount on all new installment loans, plus bonus AD&D and common carrier insurance
  • Complementary Relationship Checks, Premium Check Card and a personal line of credit for select customers, along with an annual financial check-up from an INSOUTH advisor
  • Monthly eStatements and paper statements, plus mobile banking and alerts and online bill pay
  • Double bonus points for all purchases made with your INSOUTH Rewards Check Card
  • Discounts on safe deposit boxes, travel and more
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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!

  • A $100 minimum to open an account, with unlimited monthly transactions
  • Low account fees that you control—maintain a $300 balance or swipe you debit card just 15 times and INSOUTH will waive the fee!
  • INSOUTH Rewards Check Card for select customers, with comprehensive cash back options
  • Monthly eStatements and paper statements, plus mobile banking and alerts and online bill pay
  • Overdraft protection for those who qualify plus MoneyPass® surcharge-free ATM transactions for all customers
  • Exclusive IDProtect® identify theft monitoring and servicing
  • Free notary services and photocopies at bank branches.
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  • $1,000 minimum to open an account—maintain that minimum balance and INSOUTH will waive the monthly account fee
  • Tiered interest rates for all balances over $1,000
  • Unlimited transactions
  • eBanking services including online bill pay and mobile access, plus complementary 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.
  • Complementary INSOUTH Bank Rewards Check Card and overdraft protection for those who qualify
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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
  • eBanking services including online bill pay and mobile access, plus complementary paper statements each month
  • Complementary INSOUTH Rewards Check Card for qualified customers
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