Good mortgage products, decent customer service face-to-face, worst online banking experience possible.

We opened accounts at Bancorp South when we got a mortgage through them. On the plus side, they don't sell your mortgages. They also have some nice products: one allows you to lower your monthly payment with large lump sum payment against the principal, a second allows you to refinance your loan with only minimal credit checking (you just pay closing costs). We had to move, but I'm sure we would have used these services with the interest rates down this far.

Customer service over the phone is okay, face-to-face is much better if you make a relationship with your loan officer or personal bankers. The people I dealt with knew their products pretty well.

Where this bank really disappoints is their online banking system. It takes one or two nights for any transaction to register in your balances. If you aren't careful this can result in fees. It's happened more than once that I transferred money into an account, then initiated a electronic bill pay, but wound up over-drafting because the transfer came after the payment. Another time I paid a bill, and then paid another the next day but the balance hadn't updated, so I wound up over-drafting an account. Basically, any transaction you make in the afternoon, you might not see it register until mid-day two days later.

Also electronic payments to my mortgage took days to register even though they held both accounts.

Literally every other bank posts transactions within the bank immediately, or at a minimum shows a notation that a transaction is pending for things like billpay.

Also, it takes a day before they'll post large deposits to your accounts.