Smart Spend

No checks, no problem.

Open Account

It's like a safety net for your wallet.

Smart SPEND offers the advantages of a traditional checking account – without checks! Withdrawals and payments are made instead with your MidSouth Debit Card which is issued at account opening. Using your debit card instead of checks, you are less likely to overdraw your account, and there are no overdraft charges or returned item fees from us if you do. It’s like a a safety net for your wallet!

A checkless checking account is a great option for teens, students or anyone looking for a lower balance option. And it’s easy to keep track of your money with Smart SPEND – you can manage spending, receive transaction alerts, access e-statements, and enjoy the convenience of online and mobile banking.

  • Initial deposit to open is $25
  • Free MidSouth Bank Debit Card issued at account opening
  • No overdraft charges
  • No monthly maintenance fee
  • Free eStatements
  • Free Online Banking with Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free Digital Wallet using Apple Pay® or Google Pay™ payment service
  • Transaction alerts with CardValet®
  • Free use of all MidSouth ATMs
  • SELECT benefits available featuring cell phone insurance, credit monitoring, and more!

Contact your banker today with any questions. We’re standing by to help.

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
MidSouth Debit CardFREEFREEFREEFREEFREE
Online Bill Pay*FREEFREEFREEFREEFREE
24-Hour Telephone Banking*FREEFREEFREEFREEFREE
Use of MidSouth ATMsFREEFREEFREEFREEFREE
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.

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