50 & Better Gold Checking Account

Financial Features

  • Interest on Checking (Earn interest on checking when you maintain a $1,000 minimum daily balance)
  • Overdraft Charge of $25
  • Monthly Maintenance Fee of $6.00

With 50 and Better Gold you also receive the following benefits at no additional cost:

Cellular Telephone Protection1

Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per year. Covers the first three phones on a cellular telephone bill paid through your checking account. (Cellular telephone bill must be paid using eligible account.)

Accidental Death & Dismemberment lnsurance3

Receive up to $10,000 24-hour AD&D insurance. Accidental Death coverage increases up to $100,000 while traveling on a Common Carrier. (Accidental Death & Dismemberment insurance coverage divides equally on joint accounts and does not reduce at any age.)

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.)

Mobile Retail and Dining Discounts

Savings On-the-Go. Enjoy money-saving discounts from your favorite retail locations. We make it simple to save with immediate access to mobile coupons. Easily find locations closest to you, scan barcodes right from your smartphone, and keep track of your "Favorite Deals"!
(Registration/activation required.)

Keep Yourself Safe from Fraud and Loss

Rest easy knowing you and your joint account holders2 are protected by our comprehensive IDProtect® which includes:

Up to $10,000 Identity Theft Expense Reimbursement Coverage1

For expenses associated with restoring your identity.

Comprehensive Identity Theft Resolution Services

Access to a dedicated fraud specialist assigned to manage your case 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 should your cards become lost or stolen.
(Registration/activation required.)

3-in-1 Credit File Monitoring3

IDProtect will monitor your Equifax®, Experian® and TransUnion® credit files daily, and automatically alert you if key changes occur.
(Registration/activation required.)

3-in-1 Credit Report

Request an updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. Credit Score is a VantageScore 3.0 based on Equifax 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.)

Online Identity Theft News Center and Valuable Phone and Web Resources

(Registration/activation required.)

1 Special 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 offered through the company named in the Guide to Benefit or on the certificate of insurance.
2 IDProtect is a personal identity theft protection service available to personal checking account owner(s), and their joint account owners. The service is 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.
3 Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

Insurance products are not a deposit; not FDIC insured; not an obligation of bank; and not guaranteed by bank or any affiliated entity.

Terms and Conditions

Mediation and Arbitration Agreement

Funds Availability Disclosure

Regulation E Disclosure

Agreement for Use of 24-Hour ATM Card

Additional Charges

Disclaimer - The Bank of Holly Springs primary trade area consists of Marshall, Benton, and Lafayette Counties in Mississippi. We reserve the right to refuse any account request from outside this area.