BancorpSouth Bank provides a wide range of banking, insurance and investment services to consumers and businesses. The bank offers checking, savings and money market accounts, credit cards, overdraft protection, trust services and mortgage programs. It features certificates of deposit, investment analysis, variable annuities, equities, corporate and municipal bonds and mutual funds. BancorpSouth s lending capabilities include home equity, automotive, education, real estate, construction and commercial development loans. The bank assists businesses with lines of credit, payroll and merchant services, equipment leases, asset management and employee retirement plans. It also writes life, automotive, commercial, business and homeowners insurance policies. BancorpSouth s online banking module enables customers to securely access accounts, pay bills and customize financial activities. The bank delivers its products and services through a network of more than 235 branch offices in the Southern United States. It is a member of the Federal Deposit Insurance Organization. BancorpSouth Bank maintains a location on Gunter Avenue in Guntersville, Ala.