• Dividend (interest) earning potential
• No minimum balance
• No monthly fee
• VISA® Debit Card
• Free Text Banking, Mobile Banking, Online Home Banking, & Online Bill Pay
• Free Mobile App for IOS and Android
• Free stop payment 1x/year
• Free statement copy 2x/year
• Eco-friendly, paperless, & secure
• 7 free ATM transactions/month
• CO-OP Shared Branch access

• $25 minimum to open
• Limit one (1) iChecking dividend-bearing account per membership.
• The iChecking account dividend rate is a variable rate. The dividend rate and annual percentage yield (APY) may change at any time, as determined by the Credit Union Board of Directors.
• The iChecking Annual Percentage Rate (APR) and Annual Percentage Yield (APY) is based on the number of Point of Sale (POS) transactions that post to the account during the calendar month. The minimum number of Point of Sale transactions does not include authorizations. The debit card transactions only include Point of Sale transactions that have paid on the account before the end of the month. Does not include transactions made at an ATM.
• The minimum transaction requirements to earn APR/APY:

The rates above will be paid on the average daily balance for the calendar month, up to $10,000. Any amount of the average daily balance above $10,000 will earn the current Premier Checking Account rate of .100% APR / .100% APY. Dividends are compounded monthly and credited to the account monthly. Checking accounts subject to credit approval.

In addition to meeting POS transaction requirements, the member must also meet the following conditions in order to qualify for dividends paid on iChecking:

• log into Home Banking or the MidSouth Mobile app at least once per month
• be enrolled in eStatements
• maintain a valid e-mail address
• have a Direct Deposit posted to the iChecking account within the calendar month for which dividends are posted

iChecking POS minimum average dollar transaction is $5.00 to qualify for monthly transaction count.