Personal Checking

Four checking account choices all with exceptional customer service.

Open an Account

Four 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 our checking accounts offer FREE online banking with bill pay, mobile banking, 24-hour telephone banking, and MasterCard® debit cards, SecureAlerts and e-Statements.

eChoicePrimePlus (Age 50+)Super NOWSmart SPEND
Minimum opening deposit$100$100$1,500$25
Monthly maintenance feeNo¹NoNoNo¹
Required balance feeNoNoYes²No
Personal standard checks-FREE-N/A³
MidSouth MasterCard® Debit CardFREEFREEFREEFREE
Online Bill Pay4FREEFREEFREEFREE
24-Hour Telephone Banking4FREEFREEFREEFREE
Use of MidSouth & Allpoint ATMsFREEFREEFREEFREE
Interest bearingNoYes⁵Yes⁶No

¹No – Free with e-statements; $4.00 monthly charge applies for paper statements
²Yes – $9 monthly charge if the ledger balance drops below $1,500 or average daily balance drops below $2,500
³N/A – No paper checks are allowed; and, if presented, such checks will not be paid
⁴Messaging and data rates may apply
⁵Yes – Requires $500 minimum daily balance to earn interest
⁶Yes – Requires $1,500 minimum daily balance to earn interest

MidSouth 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 services below (some items may require registration and/or activation):

  • $10,000 Accidental Death Insurance1
  • $5,000 Identity Fraud Expense Reimbursement Coverage2
  • Cellular Telephone Protection, up to $300 of Cellular Telephone Coverage to reimburse the cost of replacing or repairing your device3
  • Credit File Monitoring with credit report and credit score
  • Discounted Gas & Gift Cards, up to 12 cards per year – members receive 20% savings on Gas and Gift Cards4
  • Cash Back Member Rewards, up to $40 per Accountholder per year; eligible to submit receipts totaling up to $100 each quarter for a total cash back of up to $10/quarter or up to $40/annually4
  • Monthly Image Statements

1Plateau Insurance Company of Crossville, TN. will be the Accidental Death Insurance underwriter. Coverage divides equally on joint accounts and reduces 50% at age 70.
2Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG).
3Refer to Guide to Benefit for complete details of coverage.
4Terms and conditions apply.

Dormant Account Service Charge: A checking 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. Accounts which are considered dormant will be service charged an additional $10 per statement cycle in addition to the routine service charge applicable to your account. This charge is applicable to all Checking accounts.

Charges Common to All Accounts: Specific fees can be found in our Charges Common to All Accounts schedule. Ask your banker for a fee schedule.

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.

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