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So go ahead, start planning. Custom savings account can be opened with as little as $25, meaning you’ll never have to back burner your financial future. Choose from a short-term maturity date that’s as little as six months away, opt for a longer-term three-year investment, or select virtually any date in between. Interest is compounded daily and credited to your account annually or when your account matures — whichever comes first. And when you need access to your cash fast — even outside of your custom schedule — INSOUTH can help, with low fees for early withdrawals.
- Open an account with just $100
In just minutes—and with as little as $100 to start—you’ll be on your way to saving big. Whether you’ve got a specific goal in mind or just want to start building that nest egg, the Basic Regular Savings account is the perfect go-to to set you on a journey towards financial success.
- Open an account with as little as $25, and set the maturity from 6 to 36 months depending on your savings goals
- Make or Schedule deposits at any time during your savings cycle
- Your first quarterly withdrawal at no extra charge—after that, access your fund for as little as $5 per withdrawal
- Need to access your savings earlier than planned? Early withdrawal penalties are just $25
Great savers aren’t born but, instead, learn the value of saving and investing over time. With INSOUTH’s exclusive INDependent Savings account, your child can begin his/her journey towards financial independence starting right now.
Designed for kids from birth to age 22, the INDependent Savings account brings together critical money management skills with low balance requirements and interest that’s compounded daily, helping them see their savings grow even faster. As they continue to contribute to their account, your kids will gain more and more financial know-how, helping them become smart, savvy savers now and in the future.*
Teach your children to save and develop good money management skills with the INSOUTH INDependent Account.
- This account is open to kids’ age birth to 22 years old.
- Only $10.00 to open
- No minimum balance requirement
- No monthly account fee
- 6 withdrawals per quarter, then $5.00 each
- Interest compounded daily and credited quarterly
- Open an account with as little as $25
- Make deposits at any time during your savings cycle
- Your first quarterly withdrawal at no extra charge—after that, access your funds for as little as $5 per withdrawal
- Need to access your savings earlier than planned? Early withdrawal penalties are just $25
- Automatic transfer from checking and/or savings for your convenience
- Funds available on October 31st of each year.
- Prefer paper statements? $3 Monthly Statement Fee
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.
