BancorpSouth Bank provides commercial banking and financial services to individuals, small- and medium-sized businesses and several government agencies. It accepts various deposits, including interest-bearing and noninterest-bearing demand deposits, savings deposits and time deposits. The bank provides a wide range of commercial loan services, including term loans, lines of credit, equipment and receivable financing and agricultural loans. Additionally, it provides residential consumer loans, mortgage loans, construction loans, home-equity lines of credit, and automobile, boat, personal and student loans. The bank also deals in title insurance; commercial lines of insurance; and a line of property and casualty, life, health and employee benefit products and services. Its additional services include brokerage, investment advisory, asset management and trust services. BancorpSouth Bank has more than 200 branches and over 4,000 employees. Headquartered in Tupelo, Miss., the bank has one of its locations in Covington, Tenn.