Renasant Bank


Overview / Commentary
800-680-1601
209 Troy Street
Tupelo, MS 38801

Renasant Bank is headquartered in Tupelo and is the 4th largest bank in the state of Mississippi. It is also the 116th largest bank in the nation. It was established in 1904 and as of December of 2018, it had grown to 2,359 employees at 164 locations. Renasant Bank has an A+ health rating.

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Excellent Bank!

Posted by: Anonymous | Jun 22, 2012

I have been with Renasant for almost 3 years, and could not be happier with this bank. The branch I visit is very friendly, and in the few times I've had to call - the phone line reps have been nice as well. I am picky on my banks - I've been with just about every large bank we have in my area and I never liked any of them. I moved to Renasant because we only had two in town, I thought I might have more of a small town feel and I'd be more important when I walked in the bank than BOA, and I was right.

I've never had my bank card frozen like one review on here, and I've always had access to my funds. I have only ever had one issue that was declined, which was when the merchant ran it through twice for the same amount, immediately after each other and the bank declined it considering it a duplicate sale. It worked fine just a few minutes later.

One thing I love about Renasant is if you do happen to mess up and overdraft your account (because it CAN happen, I don't care who you are.), they give you until the end of the business day to put money in your account. I woke up one morning and something had gone through I had completely screwed up and forgotten about. I called the bank because there was no OD fee yet, even though I was clearly negative. They explained they would not post that yet - I had until 4:00 pm to make a deposit if I wished, to avoid any OD fees.

Small Banks - The Pluses and Minuses

Posted by: Blazeonal | Dec 13, 2017

Renasant Bank is very friendly, customer service wise, but lacks technology to be competitive with the big banks. They always seem to be one step behind.

Online Service Horrible

Posted by: tracsd | Jul 31, 2018

If you visit a branch, you will find customer service decent. But, who visits branches anymore when you can do everything in the comfort of your own home. Their online experience is awful. I am a web developer and have made several suggestions to them. It is not user friendly!! I have 6 accounts with them and although it is going to be a pain to move everything around, I'd rather go with a bank where the customer's needs come first.

Bumbling Bankers

Posted by: kcobar | May 5, 2019

I wouldn't trust them with a roll of pennies. I was a business customer of theirs for 3 years. Had multiple problems with their online banking locking me out of my account for no reason. Password working on desktop, but not mobile, and rejecting mobile deposits for no valid reason, forcing me to come into the branch all the time.

A few weeks ago, I opened a money market account with them to transfer money out of my active account. (Yes I should have just opened it at another bank, but the hassle of switching banks with a business account is what kept me there) They set it up incorrectly and I lost access to hundreds of thousands of dollars for over two weeks. After multiple calls to customer service and the local branch, I was always told my access to the funds would show up the next morning, after their system reset. It never did. I'll be getting a check from them in person tomorrow and taking my business away from these liars for good.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #12437
Year Established1904
Employees2359
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.4%
Return on Equity - YTD8.39%
Annual Interest Income$461.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$12.92B$9.81B
LoansQ4 2018vs Q4 2017$9.44B$7.68B
DepositsQ4 2018vs Q4 2017$10.17B$8.00B
Equity CapitalQ4 2018vs Q4 2017$2.24B$1.62B
Loan Loss AllowanceQ4 2018vs Q4 2017$49.0MM$46.2MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$24.1MM$20.9MM
Real Estate OwnedQ4 2018vs Q4 2017$11.0MM$15.9MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Renasant Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.96%*-$100kRewards Savings
OTHER TIERS: 0.30% $100k+

Renasant Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%-$25kRewards Checking
Locations

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