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 $50
  • 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
  • Transaction alerts with CardValetĀ®
  • Free use of all MidSouth ATMs
  • SELECT benefits available featuring cell phone insurance, credit monitoring, and more!

Open an Account Today!

Open Account