Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.


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BankSouth is a regional community bank that provides a variety of financial services to individuals and businesses in Georgia and South Carolina. The bank's offerings include personal banking services, such as checking and savings accounts, as well as loan products like mortgages, home equity loans, and personal loans. Additionally, BankSouth provides business banking solutions such as merchant services, remote deposit capture, and online banking services.

BankSouth prides itself on delivering personalized service to its customers and being an active participant in the communities it serves. The bank supports local organizations through charitable giving and encourages its employees to volunteer their time and talents to make a positive impact in the community.

Overall, BankSouth is dedicated to helping its customers achieve their financial goals and providing top-notch customer service.

Key Features

Some key features of BankSouth include:

  1. Personalized Service. The financial institution is committed to delivering personalized service to its customers, with a focus on building strong, long-lasting relationships.
  2. Diverse Product Offerings. The bank offers a wide range of personal and business banking products and services, including checking and savings accounts, loans, mortgages, and investment services.
  3. Online and Mobile Banking. BankSouth provides online and mobile banking services, allowing customers to access their accounts and manage their finances from anywhere.
  4. Community Involvement. The bank is actively involved in the communities it serves, supporting local organizations through charitable giving and encouraging employee volunteerism.
  5. Expertise and Experience. BankSouth has a team of experienced professionals who are knowledgeable about the financial needs of their customers and can provide tailored solutions to meet those needs.
  6. Convenience. With multiple branch locations throughout Georgia and South Carolina, customers are provided with convenient access to their banking services.


To open an account with BankSouth, you will typically need to provide the following information and documents:

  1. Personal Information. This includes your full name, address, date of birth, and Social Security number or Tax Identification Number (TIN).
  2. Identification. You will need to present a government-issued ID, such as a driver's license, passport, or state ID card.
  3. Employment and Income Information. You may need to provide information about your employment status, including your employer's name and contact information. You may also need to provide proof of income, such as recent pay stubs or tax returns.
  4. Initial Deposit. You will need to make an initial deposit to open your account. The amount required may vary depending on the type of account you are opening.
  5. Additional Information. Depending on the type of account you are opening, you may need to provide additional information or documentation, such as a business license or partnership agreement for a business account.

It's important to note that the specific requirements may vary depending on the type of account you are opening and the state in which you are opening it. This is always a good idea to contact the bank directly to confirm the necessary requirements before attempting to open an account.

Access on the Go

BankSouth provides its customers with access to their banking services on the go through its online and mobile banking platforms.

With BankSouth's online banking platform, customers can manage their accounts, view transaction history, pay bills, transfer funds, and even apply for loans from their computer or tablet. The online banking platform is secure and easy to use, and customers can access it 24/7.

In addition to online banking, the bank also offers a mobile banking app, available for iOS and Android devices. The app allows customers to view account balances, transfer funds, pay bills, deposit checks, and even locate nearby ATMs and branch locations. The mobile banking app is free to download and can be accessed using the same login credentials as the online banking platform.

Overall, BankSouth's online and mobile banking platforms provide customers with a convenient and secure way to manage their finances on the go, no matter where they are.

Products and Services

BankSouth offers a variety of personal and business banking products and services, as well as investment and insurance services. Here is a more detailed overview of the products and services provided by the bank:

Personal Banking:

  1. Checking Accounts. A range of checking account options is designed to meet customers' specific needs, from basic accounts to interest-bearing accounts with added benefits.
  2. Savings Accounts.They include statement savings, money market accounts, and certificates of deposit (CDs).
  3. Loans. BankSouth offers personal loans for a variety of needs, including auto loans, home improvement loans, and debt consolidation loans.
  4. Mortgages. Customers are provided with various mortgage options for purchasing or refinancing a home, including fixed-rate mortgages, adjustable-rate mortgages, and jumbo loans.
  5. Home Equity Loans and Lines of Credit. They allow customers to borrow against the equity in their home for large expenses or to consolidate debt.
  6. Credit Cards. The financial institution provides credit card options with competitive rates and rewards programs.
  7. Online and Mobile Banking. Convenient online and mobile banking options allow customers to manage their accounts, pay bills, and more, from anywhere.

Business Banking:

  1. Checking Accounts. BankSouth provides several checking account options for businesses of all sizes.
  2. Savings Accounts. Customers are offered business savings accounts, money market accounts, and CDs to help businesses save and earn interest on their funds.
  3. Loans. A variety of business loan options includes SBA loans, commercial real estate loans, equipment financing, and lines of credit.
  4. Online Banking and Bill Pay. BankSouth offers online banking and bill pay services to help businesses manage their finances efficiently and securely.
  5. Cash Management Services. They help businesses streamline their cash flow and improve efficiency.
  6. Treasury Management Services. They help businesses manage their cash, payments, and receipts more effectively.

Investment and Insurance Services:

  1. Retirement Planning. BankSouth provides investment advisory services and retirement planning options to help customers plan for their future.
  2. Investment Management. These services help customers grow and manage their wealth.
  3. Insurance Products. The options include life insurance, long-term care insurance, and disability insurance.

Overall, BankSouth offers a comprehensive suite of financial products and services to meet the needs of individuals and businesses alike. They pride themselves on providing personalized service and building long-term relationships with their customers.

Which associations does BankSouth belong to?

BankSouth is a member of several banking and financial associations, including:

By being a part of these associations, BankSouth is able to stay up-to-date on the latest industry trends and best practices, as well as have access to resources and tools that can help them better serve their customers.



Who owns BankSouth?

BankSouth is a privately held bank, and its ownership structure is not publicly disclosed. However, according to its website, BankSouth is owned and operated by local business leaders and experienced bankers who are committed to serving the financial needs of their communities. BankSouth was originally founded in 1946 as a small community bank in Greensboro, Georgia, and has since grown to become a full-service bank with multiple locations throughout Georgia and South Carolina. Despite its growth, BankSouth remains committed to its community banking roots and providing personalized service to its customers.

Is BankSouth a good bank?

There are several factors that can be considered when evaluating a bank's quality, such as its financial stability, customer service, and range of products and services.

In terms of financial stability, BankSouth has consistently received high marks for its safety and soundness. It has earned a 5-star rating from Bauer Financial, a leading independent bank rating and research firm, indicating that the bank is financially strong and stable.

BankSouth also has a reputation for providing excellent customer service, with a focus on building long-term relationships with its customers. The bank has won several awards for customer satisfaction, including being named one of the "Best Banks to Work For" by American Banker.

Finally, BankSouth offers a wide range of banking products and services for both individuals and businesses, including checking and savings accounts, loans, mortgages, and investment and insurance services. This can make it a convenient one-stop-shop for customers looking to meet their financial needs.

Ultimately, whether BankSouth is a good bank for you will depend on your individual needs and preferences. It's always a good idea to research a bank's offerings and reputation, and compare it to other options in your area, before making a decision.

Is BankSouth hard to get approved for?

The approval process for a bank account or credit with BankSouth, like any other financial institution, can depend on several factors, including your credit history, income, and other financial information.

If you have a strong credit history and stable income, you may be more likely to be approved for a BankSouth account or credit. On the other hand, if you have a poor credit history or unstable income, you may find it more difficult to get approved. In such cases, the bank may offer alternative banking products or services that may be more suitable for your needs.

It's important to note that BankSouth, like any other financial institution, must follow certain legal and regulatory requirements when approving accounts and extending credit. These requirements are in place to protect both the bank and its customers. If you have any questions or concerns about the account opening process or credit approval standards, it's recommended that you reach out to a representative from BankSouth for more information.

BankSouth disputes number

If you need to dispute a transaction or report fraud on your BankSouth account, you can call the bank's Customer Care Team at 1-706-453-2265. The center is available from Monday to Friday, 7:30 a.m. to 6:00 p.m. EST, and Saturday, 8:00 a.m. to 1:00 p.m.

If you need to dispute a charge on your BankSouth debit card or credit card, you can also call the number on the back of your card to speak with a representative. They will be able to assist you with initiating a dispute or filing a fraud claim.

In addition to phone support, BankSouth also offers online banking services, where you can view your account activity and transactions, and initiate disputes or report fraud directly through the online platform.

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