How secure is BancorpSouth Credit Card Online?
One of our highest priorities is to ensure
your privacy and peace of mind by employing some of the most
advanced online security in the industry. Every step of the way,
we provide you with the state-of-the-art encryption of all data
transmitted between your computer and our secure site. Most
browsers today utilize an encryption method called Secure Sockets
Layer (SSL). SSL is software based security protocol that encodes
data before it is transmitted over the Internet. Once you enroll
you will be able to use a self-selected user name-password system
that serves as our first line of security.
can I take to ensure the security of my account information?
There are several things you can do to
protect your Credit Card Online account:
- Never reveal your User Name and Password
- Never write it down where anyone can
find it or figure out what it is.
- Change your password frequently within
- Always sign off before leaving your
- Always sign off before accessing other
What is encryption
and why do I need it?
Encryption is a security device that
keeps information that passes through the Internet private
and secure. To maximize protection, Credit Card Online requires you
to use 128-bit encryption. This 128-bit encryption level is
2x1026 more secure than the standard level of 40-bit. You
will see the icon of a padlock on the bottom toolbar of your
browser that indicates the information being transmitted is
protected and encrypted.
the sufficient web browser levels to view the website and
how can I upgrade?
A web browser is computer software that
allows you to view the content and graphics displayed on a
website. Credit Card Online requires the minimal browser levels of
Microsoft Internet Explorer (MSIE) 4.0 or Netscape 4.78 to
support the 128-bit secure link between your browser and us.
You will know if your browser is not sufficient if upon entering
a secure site, a note pops up on the screen indicating you
should upgrade. We suggest upgrading to the latest versions.
To upgrade, please click on one of the following links:
if I forget to sign off?
For security reasons, Credit Card Online becomes
disabled after long periods of inactivity, and the system
will automatically sign off. If this happens, you will be
required to sign on again. We encourage you to use the sign
off function for maximum security when you’re finished
with the system or you walk away from your computer.
Do I have
to enter the enrollment information each time I sign on?
No. After you have completed the enrollment
process and selected a unique User Name and Password, using
Credit Card Online is easy. Simply enter your User Name and Password
on the Welcome Page to access the site’s services.
the maximum number of accounts that can be registered?
There is no limit to the number of accounts
you can register.
Can I register
additional credit card accounts I have with you?
Yes, you may register additional accounts
through the Register an Account function.
How do I
remove an account from my Online Access?
To remove an account from your Online Access:
- Click Delete Accounts link in the Left Navigation Dashboard.
- Click Delete next to the account you would like to remove.
- Your additional account will be removed.
is my transaction information?
You will have access to the same up-to-the-minute
information that our Customer Satisfaction specialists provide
when speaking with you on the telephone. The only difference
is that this information is right at your fingertips.
some of my transactions have Web links?
To view transaction detail such as merchant
information, transaction type, location, and merchant ID.
The information we display is provided
by the merchant. Therefore, the amount and type of information
displayed can vary. Some merchants may choose to provide only
the store name and address; others may provide more extensive
What is the process for downloading
Downloading an account statement is easy.
- Go to the Transactions page.
- Select the period of the transactions
you want to download and click GO.
- Select the format you want to download
your transactions in (downloads are available in a QIF format,
which can be imported into personal financial software packages
such as Microsoft® Money and Quicken®. Tab-delimited
and comma-delimited formats are also available for your
download to spreadsheets, like Excel, or databases. Click
Your transaction history will now be downloaded.
How can I set
up my account to pay my credit card?
Just follow the 2 easy steps below to
start making your credit card payments online.
- Add an account to make the payment
from. Before you can use this service to pay your bill online
you will need to provide us with some information about
the account you would like to pay your credit card from.
- Sign On and select Pay Bill and then
Add a Payment Account.
- Enter your financial
institution's information and click Submit.
can be used for payment withdrawal?
Payments must be made in U.S. dollars.
You can use any U.S. checking, savings, or money market account
that accepts electronic withdrawals.
How do I make a payment?
- Click Pay Bill.
- Choose the account you would
like to pay from, the amount you would like to pay, and
the payment date.
- Provide an e-mail address. For
your personal records, you can also provide a memo and check
- Click Submit.
What is my minimum payment?
The smallest monthly payment that you
can make and still remain in compliance with the terms and
conditions of your Account Agreement. Each month that your
account has a balance, a minimum payment will be due. Your
minimum payment due is displayed within the Billing Summary
section in the left column of all Credit Card Online pages.
How can I obtain proof of payment?
When you make a payment, you will receive
a confirmation message and the payment will be added to your
Payment History on the right side of the Make a Payment page.
Also, the payment will appear as a withdrawal on your monthly
bank statement and as a credit on your monthly billing statement.
Can I make changes to a payment once
the request has been scheduled?
Yes. You can make changes to any payment
in an open status by clicking the “Open” link
in your Payment History.
Can I cancel the payment once the
request has been scheduled?
Yes. You can cancel any payment in an
open status by clicking the “Open” link in your
Payment History. Click the “Cancel Payment” button
located at the bottom of the Edit Payment page.
What will happen if I arrange for
a payment to be withdrawn from my account, but my account
does not have sufficient funds?
Your bank may choose to return the item
and/or charge you a non-sufficient funds fee. If the item
is returned to us, we will reverse any credit given for the
payment, charge you a Returned-Payment Check Fee, and assess
other fees and finance charges according to the terms of your
How do I
enlarge the page font so that it is easier to read?
In your browser window, go to View >
Text Size. Select “Larger”. The font size on your
page will become larger.
What is the Adobe Acrobat Reader and
why do I need it?
Adobe Acrobat Reader is computer software
that presents documents in a unique, high-quality form called
Portable Document Format (PDF). We display our Site Operation
Guide as a PDF file. If you would like to view our Site Operation
Guide, you will need to download Acrobat Reader. You can get
your free Adobe Acrobat Reader by clicking on the following