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In today’s world, all banks and credit unions offer checking accounts, but not all checking accounts are the same. At MidSouth Community Federal Credit Union, we focus on giving back to our members with our checking account in the form of dividends (interest). How does this work? The more you swipe your debit card, the greater the earning possibility!

The many benefits associated with a MidSouth checking account:

Earn Dividends

Who wouldn’t want to earn money while they’re spending it? Our iChecking account gives you the opportunity to earn dividends on your average daily balance. The Annual Percentage Yield (APY) is based on the number of Point of Sale (POS) transactions, or any location where a sale takes place using a debit card, that post to the account during the calendar month. Whenever you reach a minimum of 20 POS transactions, you’ll begin earning a dividend rate up to 5.01% APY.

No Minimum Balance & No Monthly Fee

Certain financial institutions require you to maintain a minimum balance in order to keep your checking account open, but we don’t! You can keep as little or as much money as you’d like in your checking account. Additionally, we don’t charge you a monthly checking account fee. We want to enable you to earn more money, not take money away from you.

VISA® Debit Card

When you open a checking account with MidSouth Community FCU, you’ll receive a VISA® debit card. VISA® is recognized worldwide, which gives you better access to your funds anywhere you go! You‘ll be able to withdraw funds from ATMs around the world. Plus, with a MidSouth iChecking account, you’re allowed unlimited withdrawals at all MidSouth Community ATMs and 7 free ATM transactions per month at ATMs belonging to other financial institutions.


We know you’re busy and always on the go, so we’ve made it simple for you to do your banking from anywhere! We want our members to have the best possible experience with our eServices when they access their account on their tablet, computer or mobile device. Our mobile banking, bill pay, eStatement, and online home banking are available to you 24 hours a day, 7 days a week.

Contact us today with any questions you may have, or to open your iChecking account!