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! It’s like a safety net for your wallet, because you won’t have to worry about overdraft charges or unexpected fees from us.

With your MidSouth Debit Card — issued to you instantly at account opening — you are less likely to overdraw your account, and there are no overdraft charges if you do.

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!
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.

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