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Home Checking Accounts Mississippi Checking Jackson, Mississippi iAdvertiser Disclosure
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Best Banks & Checking Accounts in Jackson, Mississippi - June 2026

The best checking rates for Jackson, Mississippi include Keesler Federal Credit UnionKeesler Federal Credit Union401 N West St, Jackson, MS 39201 1010A+5.0 ★Texas Ratio: 3.87% Checking Plus Qualified at 5.00% APY, Eagle Express Federal Credit UnionEagle Express Federal Credit Union567 S State St, Jackson, MS 39201A+5.0 ★Texas Ratio: 2.24% Share Draft/Checking Account at 0.25% APY, BankPlusBankPlus730 Adkins Dr, Jackson, MS 39211A+5.0 ★Texas Ratio: 2.28% PrimePlus Checking at 0.05% APY, Mississippi Highway Safety Patol Federal Credit UnionMississippi Highway Safety Patol Federal Credit Union1900 E Woodrow Wilson Ave Ste 204, Jackson, MS 39216 5118A5.0 ★Texas Ratio: 7.20% Share Draft/Checking at 0.00% APY, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking at 8.00% APY. Checking account rates as of June 11, 2026 according to verified data from MonitorBankRates.

Jackson has 4 local institutions in our database, with checking rates as high as 5.00% APY from Keesler Federal Credit Union at 401 N West St, Jackson, MS, 39201 1010. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Jackson, Mississippi. Checking Account Rates Last Updated and Verified: June 11, 2026

Compare Checking Account Rates Today in Jackson, Mississippi & the Surrounding Area

Institutions:

Jackson Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
401 N West St
Jackson, MS 39201 1010
Checking Plus Qualified
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedJun 7, 2026
Details

Balances up to and including $25,000; Qualifying balance up to $25,000.00

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
401 N West St
Jackson, MS 39201 1010
Checking
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedJun 7, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
401 N West St
Jackson, MS 39201 1010
Checking Plus Qualified
1.38%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedJun 7, 2026
Details

Balances greater than $25,000 (blended rate)

Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
567 S State St
Jackson, MS 39201
Share Draft/Checking Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
401 N West St
Jackson, MS 39201 1010
Checking Pays
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedJun 7, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
730 Adkins Dr
Jackson, MS 39211
PrimePlus Checking
0.05%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
730 Adkins Dr
Jackson, MS 39211
InvestmentPlus Checking
0.05%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
730 Adkins Dr
Jackson, MS 39211
ValuePlus Interest Checking
0.05%
$1,500
Rate0.00%
Min Deposit$1,500
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.20%
1900 E Woodrow Wilson Ave Ste 204
Jackson, MS 39216 5118
Share Draft/Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Level 2 on balances up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Level 1 on balances up to $15000

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Advantage Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Qualifying balance up to $20,000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
Investment Checking
3.25%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Non-Profit Checking
2.50%
$100
Rate2.47%
Min Deposit$100
Min Balance
UpdatedJun 7, 2026
Details

No additional details provided.

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
Investment Checking
2.25%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Investor Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

No additional details provided.

Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Interest Checking
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Non-Profit Checking
0.35%
$100
Rate0.35%
Min Deposit$100
Min Balance
UpdatedJun 7, 2026
Details

No additional details provided.

Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 17.97%
Youth Checking
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Jackson High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
401 N West St
Jackson, MS 39201 1010
Checking Plus Qualified
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedJun 7, 2026
Details

Balances up to and including $25,000; Qualifying balance up to $25,000.00

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
401 N West St
Jackson, MS 39201 1010
Checking
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedJun 7, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
401 N West St
Jackson, MS 39201 1010
Checking Plus Qualified
1.38%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedJun 7, 2026
Details

Balances greater than $25,000 (blended rate)

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
730 Adkins Dr
Jackson, MS 39211
PrimePlus Checking
0.05%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
730 Adkins Dr
Jackson, MS 39211
InvestmentPlus Checking
0.05%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
730 Adkins Dr
Jackson, MS 39211
ValuePlus Interest Checking
0.05%
$1,500
Rate0.00%
Min Deposit$1,500
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Level 2 on balances up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

Level 1 on balances up to $15000

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Advantage Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

Qualifying balance up to $20,000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
Investment Checking
3.25%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Non-Profit Checking
2.50%
$100
Rate2.47%
Min Deposit$100
Min Balance
UpdatedJun 7, 2026
Details

No additional details provided.

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
Investment Checking
2.25%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Investor Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

No additional details provided.

Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Interest Checking
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 29, 2026
Details

No additional details provided.

1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1st Advantage Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Interest Checking Account Rate
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedJun 7, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Interest Checking
0.03%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

On balances over $15,000

Jackson Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Rewards Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Jackson Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
FREE Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
FREE Checking Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Jackson Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 17.97%
Youth Checking
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Student Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Jackson Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Premier Business Checking Business
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Business Checking Business
0.15%
$100
Rate0.15%
Min Deposit$100
Min Balance
UpdatedJun 7, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
Business Premium Checking Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
Business Premium Checking Business
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
Business Premium Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 11, 2026
Details

No additional details provided.

Jackson, MS Checking Rate Trends

Compare local Jackson, MS 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.

View Full Mississippi Checking Trends →
High-Yield Checking — MS Avg
4.839%
▲ 0.294 vs 7 days ago

Mississippi high-yield checking rates rose 0.294 points over the past 7 days to 4.839% APY.

Free Checking — MS Avg
1.311%
▲ 0.067 vs 7 days ago

Mississippi free checking rates rose 0.067 points over the past 7 days to 1.311% APY.

As of Jun 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Jackson, 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 Jackson, 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 Jackson, 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 Jackson, Mississippi earn interest?

Most traditional local checking accounts in Jackson, Mississippi earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Jackson, Mississippi FDIC insured?

Yes. Legitimate banks with branches in Jackson, Mississippi are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Jackson, Mississippi

Based on our current data, some of the highest checking account APYs available to residents of Jackson, Mississippi include:
  • Keesler Federal Credit Union
    Checking Plus Qualified — 5.00% APY
  • Eagle Express Federal Credit Union
    Share Draft/Checking Account — 0.25% APY
  • BankPlus
    PrimePlus Checking — 0.05% APY
  • Mississippi Highway Safety Patol Federal Credit Union
    Share Draft/Checking — 0.00% APY
  • Baxter Credit Union
    PowerPlusTM Checking — 8.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Jackson, Mississippi. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: June 11, 2026