Best Checking Accounts & Rates in Mississippi - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Mississippi include First Federal S&L Pascagoula, MSFirst Federal S&L Pascagoula, MS903 Jackson Ave, Pascagoula, MS 39567A+5.0 ★Texas Ratio: 3.26% Legacy Checking at 6.00% APY, Gulf Coast Community Federal Credit UnionGulf Coast Community Federal Credit Union12364 Highway 49, Gulfport, MS 39503A5.0 ★Texas Ratio: 5.85% Kasasa Cash Checking at 5.00% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1200 Magnolia Way, Blue Springs, MS 38828B4.4 ★Texas Ratio: 17.71% HY Checking at 4.00% APY, First National Bank of ClarksdaleFirst National Bank of Clarksdale402 E 2nd St, Clarksdale, MS 38614A5.0 ★Texas Ratio: 7.27% Investment Checking at 3.25% APY, and Commercial Bank De Kalb, MSCommercial Bank De Kalb, MS175 Hopper Ave, De Kalb, MS 39328A+5.0 ★Texas Ratio: 2.86% Investor Checking at 1.00% APY. Checking account rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Mississippi side-by-side. Mississippi checking rates currently reach as high as 6.00% APY from First Federal S&L Pascagoula, MS at 903 Jackson Ave, Pascagoula, MS, 39567. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Mississippi. Checking Account Rates Last Updated and Verified: July 25, 2026
Compare Checking Account Rates Today in Mississippi
Mississippi Checking Account Rates
Pascagoula, MS 39567
No additional details provided.
Pascagoula, MS 39567
No additional details provided.
Gulfport, MS 39503
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
Blue Springs, MS 38828
No additional details provided.
Clarksdale, MS 38614
No additional details provided.
Gulfport, MS 39503
Qualifications Required; Tiered balance
Clarksdale, MS 38614
No additional details provided.
De Kalb, MS 39328
No additional details provided.
Gulfport, MS 39503
Tiered balance
Woodville, MS 39669
No additional details provided.
De Kalb, MS 39328
No additional details provided.
Meridian, MS 39301
No additional details provided.
Meridian, MS 39301
No additional details provided.
Meridian, MS 39301
No additional details provided.
Woodville, MS 39669
No additional details provided.
Woodville, MS 39669
No additional details provided.
Gulfport, MS 39501 2910
APY* applies to balances of $2,000 and over.
Jackson, MS 39201
No additional details provided.
Pearl, MS 39208 5917
No additional details provided.
Jackson, MS 39201 5506
No additional details provided.
Mississippi High Yield Checking Rates
Pascagoula, MS 39567
No additional details provided.
Pascagoula, MS 39567
No additional details provided.
Gulfport, MS 39503
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
Blue Springs, MS 38828
No additional details provided.
Clarksdale, MS 38614
No additional details provided.
Gulfport, MS 39503
Qualifications Required; Tiered balance
Clarksdale, MS 38614
No additional details provided.
De Kalb, MS 39328
No additional details provided.
De Kalb, MS 39328
No additional details provided.
Meridian, MS 39301
No additional details provided.
Woodville, MS 39669
No additional details provided.
Woodville, MS 39669
No additional details provided.
Corinth, MS 38834 5511
No additional details provided.
Mississippi Rewards Checking Rates
Gulfport, MS 39503
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
Gulfport, MS 39503
Qualifications Required; Tiered balance
Gulfport, MS 39503
Tiered balance
Gulfport, MS 39503
All balances if qualifications not met
Corinth, MS 38834 5511
No additional details provided.
Mississippi Free Checking Rates
Blue Springs, MS 38828
No additional details provided.
Mississippi Student Checking Rates
Corinth, MS 38834 5511
No additional details provided.
Mississippi Business Checking Rates
Pascagoula, MS 39581
No additional details provided.
Pascagoula, MS 39581
No additional details provided.
Pascagoula, MS 39581
No additional details provided.
Mississippi Checking Rate Trends
Compare local Mississippi checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Mississippi high-yield checking rates rose 0.619 points over the past 7 days to 2.833% APY.
Mississippi free checking rates rose 0.112 points over the past 7 days to 1.723% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mississippi checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Mississippi directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Mississippi. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MS.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Mississippi earn interest?
Are banks in Mississippi FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Mississippi
- First Federal S&L Pascagoula, MS
Legacy Checking — 6.00% APY - Gulf Coast Community Federal Credit Union
Kasasa Cash Checking — 5.00% APY - UNIFY Financial Federal Credit Union
HY Checking — 4.00% APY - First National Bank of Clarksdale
Investment Checking — 3.25% APY - Commercial Bank De Kalb, MS
Investor Checking — 1.00% APY
Checking Account Rates by City in Mississippi
