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Best Banks & Checking Accounts in Jackson, Mississippi - April 2026

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Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 5, 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: 4.31% Checking Plus Qualified at 5.00% APY, Magnolia Federal Credit UnionMagnolia Federal Credit Union240 Briarwood Dr, Jackson, MS 39206A+5.0 ★Texas Ratio: 2.24% Everything Teen Checking at 1.73% APY, Eagle Express Federal Credit UnionEagle Express Federal Credit Union567 S State St, Jackson, MS 39201A+5.0 ★Texas Ratio: 2.29% Share Draft/Checking Account at 0.25% APY, Mississippi Public Employees Credit UnionMississippi Public Employees Credit Union613 S West St, Jackson, MS 39201 5506A+5.0 ★Texas Ratio: 2.95% Prime of Life Checking at 0.10% APY, and FsnbFsnb5006 Old Canton Rd, Jackson, MS 39211A5.0 ★Texas Ratio: 12.00% Advanced Checking at 0.05% APY. Checking account rates as of April 5, 2026 according to verified data from MonitorBankRates.

Jackson has 8 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: April 5, 2026

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

Institutions:
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: 4.31%
401 N West St
Jackson, MS 39201 1010
Checking Plus Qualified
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required: At least 1 direct deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases and enrollment in eStatements; Qualifying balance up to $25,000

Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
240 Briarwood Dr
Jackson, MS 39206
Everything Teen Checking
1.73%
$0
View
▼
Rate1.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $1000.00

Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
567 S State St
Jackson, MS 39201
Share Draft/Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
613 S West St
Jackson, MS 39201 5506
Prime of Life Checking
0.10%
$10
View
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
613 S West St
Jackson, MS 39201 5506
Silver Checking Account
0.10%
$50
View
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Mississippi Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
613 S West St
Jackson, MS 39201 5506
Young Checking Account
0.10%
$10
View
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
401 N West St
Jackson, MS 39201 1010
Checking Plus Non-Qualified
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Fsnb
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
5006 Old Canton Rd
Jackson, MS 39211
Advanced Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Minimum Balance to Open Account: $5.00

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
730 Adkins Dr
Jackson, MS 39211
InvestmentPlus Checking
0.05%
$10,000
View
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 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
View
▼
Rate0.00%
Min Deposit$1,500
Min Balance—
UpdatedMar 25, 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
View
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
1340 Echelon Pkwy
Jackson, MS 39213 8202
Regular Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Mississippi Highway Safety Patol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
1900 E Woodrow Wilson Ave Ste 204
Jackson, MS 39216 5118
Share Draft/Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $15000

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Legacy Checking
6.00%
$25
View
▼
Rate5.85%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
First4Me Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $15000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Advantage Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $20,000.00

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Dividend Plus Checking
3.52%
$25
View
▼
Rate3.52%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

N/A

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: 4.31%
401 N West St
Jackson, MS 39201 1010
Checking Plus Qualified
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required: At least 1 direct deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases and enrollment in eStatements; Qualifying balance up to $25,000

Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
240 Briarwood Dr
Jackson, MS 39206
Everything Teen Checking
1.73%
$0
View
▼
Rate1.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $1000.00

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
401 N West St
Jackson, MS 39201 1010
Checking Plus Non-Qualified
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 4, 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
View
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 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
View
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 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
View
▼
Rate0.00%
Min Deposit$1,500
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $15000

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Legacy Checking
6.00%
$25
View
▼
Rate5.85%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
First4Me Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $15000

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Advantage Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $20,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Dividend Plus Checking
3.52%
$25
View
▼
Rate3.52%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

N/A

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
Investment Checking
3.25%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.29%
Kasasa Cash Back Checking
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Cash Back

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
Investment Checking
2.25%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Holly Springs
Institution Rating:
A5.0 ★ Texas Ratio: 9.54%
Premier NOW Checking
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 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
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

First State Bank Waynesboro, MS
Institution Rating:
A5.0 ★ Texas Ratio: 11.49%
Kasasa Cash Checking
1.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

Qualifications Required: Minimum (12) Check Card purchases per qualification cycle; Minimum one direct deposit or automatic payment by ACH per qualification cycle; Qualifying balance up to $20,000

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.29%
Kasasa Cash Back Checking
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Cash Back

First State Bank Waynesboro, MS
Institution Rating:
A5.0 ★ Texas Ratio: 11.49%
Kasasa Cash Checking
1.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

Qualifications Required: Minimum (12) Check Card purchases per qualification cycle; Minimum one direct deposit or automatic payment by ACH per qualification cycle; Qualifying balance up to $20,000

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

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: 21.76%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
240 Briarwood Dr
Jackson, MS 39206
Everything Teen Checking
1.73%
$0
View
▼
Rate1.72%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $1000.00

Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.66%
Youth Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Peoples Bank, Biloxi, Mississippi
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
Commercial Checking
0.25%
$200
View
▼
Rate0.25%
Min Deposit$200
Min Balance—
UpdatedApr 2, 2026
Details

Negative balance; Prime + 3.00%

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Business Premium Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Business Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens National Bank of Meridian
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
BusinessBlue Analysis Checking
0.01%
$100
View
▼
Rate0.01%
Min Deposit$100
Min Balance—
UpdatedMar 29, 2026
Details

Account balance can earn credit each month to offset your monthly fees.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Business Premium Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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
3.514%
▲ 1.847 vs 7 days ago

Mississippi high-yield checking rates rose 1.847 points over the past 7 days to 3.514% APY.

Free Checking — MS Avg
2.057%
▲ 1.882 vs 7 days ago

Mississippi free checking rates rose 1.882 points over the past 7 days to 2.057% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

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 pulling this data straight 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
  • Magnolia Federal Credit Union
    Everything Teen Checking — 1.73% APY
  • Eagle Express Federal Credit Union
    Share Draft/Checking Account — 0.25% APY
  • Mississippi Public Employees Credit Union
    Prime of Life Checking — 0.10% APY
  • Fsnb
    Advanced Checking — 0.05% 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: April 5, 2026

Jackson, Mississippi Rates & Resources

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