Personal Checking

Five checking account choices for all your needs.

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Five checking account choices all with exceptional customer service.

Want to earn interest? Don’t want balance requirements on deposits? At MidSouth Bank, we have the right account for your specific needs with all the services you expect. And best yet, all of our checking accounts offer FREE online banking with bill pay, mobile banking, and MasterMoney® check cards.

AdvantageeChoicePrimePlus (Age 50+)Super NOWSmart SPEND
Minimum opening deposit$100$100$100$1,500$25
Monthly maintenance fee$7.95None¹NoneNoneNone¹
Required balance feeNoNoNoYes²No
Personal standard checksFREE-FREE-N/A³
24-Hour Telephone Banking*FREEFREEFREEFREEFREE
Interest bearingYes⁴NoYes⁵Yes⁶No

¹None – Free with e-statements; paper statements will include a charge of $4.00/month
²Yes – $9 monthly charge if the minimum balance is not met
³N/A – No paper checks are allowed. If presented, such checks will not be paid
⁴Yes – $1,000 minimum daily balance to earn interest
⁵Yes – $500 minimum daily balance to earn interest
⁶Yes – $1,500 minimum daily balance to earn interest

*Messaging and data rates may apply.

SELECT Benefits Option

Need insurance products like cell phone protection? Want credit monitoring? As a MidSouth Bank checking account holder you have access to our SELECT Benefits Option for $3.95 per month. Further enhance the financial strength of your checking account with the following services:

  • $10,000 Accidental Death Insurance*
  • $5,000 Identity Fraud Expense Reimbursement Coverage**
  • Cellular Telephone Protection***
  • Single Bureau Credit Report, Credit Score, Credit Monitoring****
  • Gas/Gift Card Program*****
  • Cash Back Member Rewards*****

*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.

**Identity Theft Insurance is 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.

***Refer to Guide to Benefit for complete details of coverage.

****Terms and conditions apply. *Registration/Activation Required.

Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions 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.

Specific fees can be found in our Charges Common to All Accounts schedule.

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