Personal Checking
No Fee Checking
Our most basic checking account providing great benefits.
- $100.00 minimum to open
- NO per-check charges
- NO limit on number of transactions
- Free INSOUTH VISA® Rewards Check Card for those who qualify
- Monthly statement with check number and amount listed
- Monthly statement with Check Images available with eStatements / eNotices
- Up to $700.00 ($900.00 with Direct Deposit) discretionary overdraft privilege for those who qualify - Overdraft charges apply.
- $1.85 montly ID Protect - Multiple account relationships may have ID Protect waived.
- Charges for additional services will apply
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Regular Checking
Our standard checking account with lots of special features.
- $100.00 minimum to open
- $750.00 minimum balance to avoid a $7.50 monthly service fee
- $1.85 montly ID Protect - ID Protect is in addition to any montly service fee associated with account and will apply regardless of whether or not you meet minimum monthly balance with your checking account. Multiple account relationships may have ID Protect waived.
- Unlimited transactions
- Monthly statement with check imaging
- FREE INSOUTH VISA® Rewards Check Card for those who qualify
- FREE Internet Banking with FREE Bill Pay
- Up to $700.00 ($900.00 with Direct Deposit) discretionary overdraft privilege for those who qualify
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INSOUTH e Account
It's Easy! It's Electronic! It's Economical!
- Direct Deposit of your Paycheck
- VISA® Rewards Check Card to use at ATMs and Points of Sale (POS) worldwide
- Monthly Statement with each ATM/POS transaction listed
- No checks issued - check writing not a feature of this product
- No minimum balance
- Unlimited ATM/POS transactions
- Unlimited electronic transfers between INSOUTH accounts
- Unlimited balance inquiries through ATMs, INSOUTH Online, or Insight Telephone Banking
- 3 non-ATM/POS cash withdrawals per month, then $3.00 per withdrawal
- Unlimited domestic and international wire transfers; $15.00 fee for domestic wires, $75.00 fee for international wires
- $100.00 discretionary overdraft privilege for those who qualify
- $1.85 montly ID Protect - Multiple account relationships may have ID Protect waived.
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INPrime Checking
Our popular account for customers 50 years and older.
- $100.00 to open
- First 200 custom checks FREE
- Interest compounded daily, and credited monthly
- $200.00 minimum balance to avoid monthly fee of $5.00
- $1.85 montly ID Protect - ID Protect is in addition to any montly service fee associated with account and will apply regardless of whether or not you meet minimum monthly balance with your checking account. Multiple account relationships may have ID Protect waived.
- Unlimited transactions
- Monthly statement with check imaging
- FREE INSOUTH VISA® Rewards Check Card for those who qualify
- FREE Internet Banking with FREE Bill Pay
- Up to $700.00 ($900.00 with Direct Deposit) discretionary overdraft privilege for those who qualify
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Interest Checking Plus
For customers who want to earn interest on their checking account.
- $1,000.00 to open
- $1,000.00 minimum balance to avoid monthly service fee of $10.00
- $1.85 montly ID Protect - ID Protect is in addition to any montly service fee associated with account and will apply regardless of whether or not you meet minimum monthly balance with your checking account. Multiple account relationships may have ID Protect waived.
- Tiered interest rates on balances over $1,000.00, compounded daily and credited monthly
- Unlimited transactions
- Monthly statement with check imaging
- FREE INSOUTH VISA® Rewards Check Card for those who qualify
- FREE Internet Banking with FREE Bill Pay
- Up to $700.00 ($900.00 with Direct Deposit) discretionary overdraft privilege for those who qualify
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INVestor Account
An investment account that pays higher rates of interest.
- $2,500.00 to open
- $2,500.00 minimum balance to avoid monthly service fee of $10.00
- $1.85 montly ID Protect - ID Protect is in addition to any montly service fee associated with account and will apply regardless of whether or not you meet minimum monthly balance with your checking account. Multiple account relationships may have ID Protect waived.
- 6 withdrawals per month, then $10.00 each
- Unlimited teller transactions
- Tiered interest rates, compounded daily and credited monthly
- Monthly statement
- Free INSOUTH VISA® Rewards Check Card for those who qualify, with an active checking account
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Relationship Banking
Maximize your total banking relationship, and get all the extras you expect as a valued customer!
- $1,000.00 minimum to open
- Avoid a $15 monthly service charge with $15,000 in combined minimum deposit balances or combined balances of $50,000 including deposits, mortgage loans and Equilines
- $1.85 montly ID Protect - ID Protect is in addition to any montly service fee associated with account and will apply regardless of whether or not you meet minimum monthly balance with your checking account. Multiple account relationships may have ID Protect waived.
- Combined monthly statement with all your deposits and loans
- Relationship Checks FREE of charge
- FREE VISA Premium Check Card with double bonus points
- Interest compounded daily and credited monthly
- Platinum Visa® credit card (upon approval)
- FREE Internet Banking with FREE Bill Pay
- 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 with INSOUTH Financial Services
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