Checking Accounts

Affording Life Is Easier With MidSouth Community Federal Credit Union.

A checking account from MidSouth means quick, convenient access to your money and a convenient way to manage your cash flow. All it takes is a $25 deposit to open an iChecking, SmartChecking, or FreshStart Checking account and begin managing your money.

Open an Account

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iChecking Account

An iChecking Account allows you to easily access your money for your daily transactional needs. Deposit checks and withdraw funds whenever you need. With an iChecking Account, you can earn dividends on your average daily balance—the more you swipe your debit card, the more you can earn!

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A minimum deposit of $25 to open the account.
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 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 dividends/APY:

Number of Transactions	Dividend Rate	APY
20-29	2.00%	2.00%
30-39	3.00%	3.00%
40-49	4.00%	4.01%
50+	5.00%	5.01%

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 APY. Dividends are compounded monthly and credited to the account monthly. Checking accounts subject to credit approval. iChecking POS minimum average dollar transaction is $5 to qualify for the monthly transaction count.

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 in to Online Banking or the MidSouth mobile app at least once per month.
- Be enrolled in eStatements.
- Maintain a valid email address.
- Have a direct deposit posted to the iChecking account within the calendar month for which dividends are posted.

SmartChecking Account

Our SmartChecking Account is designed for those who are managing their own money for the first time. Whether you’re still in high school or college or are now starting your career, it’s essential to have the right tools for financial success. If you are between the ages of 14 to 24 years old, use the SmartChecking Account from MidSouth to manage your finances and prepare for financial success.

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FreshStart Checking Account

FreshStart Checking offers a great opportunity to build a strong financial foundation. It’s designed for individuals who are ready to move forward and manage their money with confidence, even if they’ve faced challenges with a previous account.

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Stop Payment

Need to stop a payment? You can stop payment on a check by logging into online banking, or by contacting the credit union at 478-471-9946.

You can stop payment on an ACH debit by contacting the credit union at 478-471-9946, or through EZ Call.

There is a fee per stop payment request.

Note: An ACH debit is a preauthorized debit processed through the Automated Clearing House. An ACH debit transaction occurs when authorization is given to a company/merchant to initiate debits from an account for payment of products or services.

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MidSouth Membership Means MORE

When you become a MidSouth member and begin taking advantage of any of our checking accounts, you also gain access to our valuable membership benefits.

Available MidSouth Member Services: