BankMidsouth.com

Personal Checking

Personal Checking

You can have it all—interest, no balance requirements on deposits, valuable insurance products like cell phone protection, credit monitoring, and the free services you expect. Or, you can stick with the basics. With a MidSouth checking account, you pick and choose the services you need and the perks you want. All MidSouth checking accounts offer FREE online banking with bill pay, mobile banking, MasterMoney® check cards and exceptional customer service.

Advantage Account

Choose benefits that can save you money! As a valued MidSouth Advantage checking member, you will enjoy a wide array of financial services and benefits.  All for only $7.95 per month!

  • Initial deposit to open account is $100
  • Minimum daily balance to earn interest on your account is $1,000
  • FREE Travelers Checks, Cashiers Checks* and Money Orders*
  • 25% discount on Safe Deposit Boxes
  • FREE personal standard checks
  • FREE MasterMoney™ Debit Card
  • FREE Online Banking with Bill Pay service
  • FREE 24-Hour Telephone Banking
  • FREE use of MidSouth ATMs at each location
  • FREE notary service
  • Unlimited check writing
  • Monthly image statements 

*limited to 3 free per month

Additional Benefits

  • $10,000 Accidental Death Insurance1
  • $5,000 Identity Fraud Expense Reimbursement Coverage2
  • Cellular Telephone Protection3
  • Credit File Monitoring with credit report and credit score*
  • Gas/Gift Card Program4*
  • Cash Back Member Rewards4*

eChoice Checking

With eChoice checking, you will enjoy receiving your bank statements directly from your email with no monthly service fee, no minimum balance and no direct deposit requirements for your account.

  • $100 minimum opening deposit
  • No monthly maintenance fee
  • No minimum balance requirement
  • No direct deposit requirement
  • FREE first order of standard checks
  • FREE MasterMoney™ Debit Card
  • FREE Online Banking with Bill Pay service
  • FREE 24-Hour Telephone Banking
  • FREE use of MidSouth ATMs at each location
  • FREE Notary service
  • FREE eStatements*
  • Unlimited check writing

*$4.00 monthly charge for paper statements

PrimePlus Checking

Age does have its rewards....especially with MidSouth’s PrimePlus Checking! Customers ages 50 and better receive many additional benefits.

  • Initial deposit to open is $100
  • Minimum daily balance to earn interest on your account is $500
  • Additional 10 basis points on Certificates of Deposit
  • FREE Travelers Checks, Cashiers Checks* and Money Orders* 
  • 25 % discount on Safe Deposit Boxes
  • FREE personal standard checks
  • FREE MasterMoney™ Debit Card
  • FREE Online Banking with Bill Pay service
  • FREE 24-hour Telephone Banking
  • FREE use of MidSouth ATMs at each location
  • FREE Notary service
  • Unlimited check writing
  • Monthly Image Statements

*limited to three free per month

Super NOW

With our Super NOW account, you can earn interest on your checking balances. Let's put your money to work for you!

  • Initial deposit to open account is $1,500
  • Minimum daily balance to earn interest on your account is $1,500
  • Minimum daily balance to avoid service charge is $1,500 or average daily balance of $2,500
  • Service charge of $9 per month if minimum balance requirement is not met
  • FREE MasterMoney™ Debit Card
  • FREE Online Banking with Bill Pay service
  • FREE 24-Hour Telephone Banking
  • FREE use of MidSouth ATMs at each location
  • FREE Notary service
  • Unlimited check writing
  • Monthly Image Statements

SELECT Benefits Option

Add these MidSouth SELECT benefits to eChoice, PrimePlus, or SuperNow Accounts.  All for only $3.95 per month! 

  • $10,000 Accidental Death Insurance1
  • $5,000 Identity Fraud Expense Reimbursement Coverage2
  • Cellular Telephone Protection3
  • Single Bureau Credit Report, Credit Score, Credit Monitoring*
  • Gas/Gift Card Program4*
  • Cash Back Member Rewards4*
  • Monthly Imaged Statements

1 Plateau Insurance Company of Crossville, TN. will be the Accidental Death Insurance underwriter. Coverage divides equally on joint accounts and reduces 50% at age 70. 2 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. 3 Refer to Guide to Benefit for complete details of coverage. 4 Terms and conditions apply. *Registration/Activation Required. 

Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, condi¬tions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Dormant Account Charge: An account is considered dormant if there has been no deposit to or withdrawal from the account for a period of twelve (12) months. All regular service charges apply to dormant accounts. Statements may not be sent more than once per year on dormant accounts. Accounts which are considered dormant will be service charged an additional $6 per statement cycle in addition to the routine service charge applicable to your particular account. This charge is applicable to all Checking and Savings accounts. Interest Rate and Annual Percentage Yield At our discretion, our interest rate and annual percentage yield may change at any time. You must maintain the minimum balance stated for your account each day to obtain the annual percentage yield listed under “Current Rate Information.” Interest begins to accrue no later than the business day on which we receive credit for non-cash items (for example, checks). The daily balance method is used to calculate the interest on your account and the amount of interest you earn is based on the daily collected balance. The daily balance method applies a daily periodic rate to the full amount of principal in the account each day.