14 Best Banks in Mississippi for 2025

While the bank promotes a close connection with its customers through interactive teller machines, where you can chat with live bank representatives, it does ask clients to bear a small inconvenience. To avoid ATM withdrawal fees, you’ll need to use a BankPlus ATM, which might not always be handy.

Opening a checking account here is straightforward. You will start with a $100 initial deposit and there is no pressure to maintain a minimum balance, offering flexibility in how you manage your finances. The account does come with a $6 monthly fee.

One standout feature that makes BankPlus shine is the valuable perk of up to $1,200 in cell phone protection per year.

An exclusive feature that stands out is the early direct deposit option, letting you access your paycheck up to two days earlier. SoFi also offers FDIC insurance up to $2 million.

Add in the enticing welcome bonuses ranging from $50 to $300 for new customers, and no-fee overdraft coverage for qualifying accounts, SoFi demonstrates a commitment to value and convenience.

Over 55,000 ATMs means easy access to cash, showcasing why SoFi is fast becoming a popular choice for savvy banking individuals.

You can open a checking account with a $50 deposit, a $6 monthly fee, and no minimum balance requirements. The bank also offers competitive interest rates on money market accounts.

Modern banking expectations are met through robust mobile banking features, ensuring convenience at your fingertips.

Additionally, the bank allows unlimited check writing, blending traditional and contemporary banking amenities to offer a substantial choice for prospective customers in Mississippi and beyond.

The bank keeps accessibility at its core with 90,000 spots for cash deposits and 55,000 fee-free ATMs. You’ll also have the perk of potentially receiving your salary up to two days early or government benefits up to 4 days earlier.

To steer clear of the $5 monthly fee, just ensure a direct deposit is made monthly. The bank also cushions against financial mishaps with an optional $200 overdraft protection.

Additionally, GO2bank offers a pathway to better credit scores through building credit with its Secured Visa Credit Card.

They offer an array of checking accounts to cater to various needs, featuring a basic account that remains fee-free if you adhere to certain requirements.

To dodge the $10 monthly fee, customers can opt for eStatements, set up at least one direct deposit a month, or maintain a daily balance of $1,000.

Initiating your journey with Renasant Bank is quite straightforward, necessitating a mere $50 to open an account, with the comfort of no minimum balance requirement post that.

The bank offers a strong option for savers with competitive rates on CDs. It also provides checking and loan options for small business owners and savings accounts designed for children.

The “My Way” checking account from Cadence Bank offers flexibility by allowing users to avoid the $8 monthly fee.

You can do this by maintaining a $250 balance, making five debit card purchases per month, receiving at least one direct deposit of $100 or more, or by being a student under 25.

Opening an account requires a $50 initial deposit and maintaining a $250 minimum balance.

For savers, Cadence Bank offers competitive CD rates and specialized accounts for seniors over 62, as well as wealth management services tailored to its clients.

In terms of checking options, the bank has two non-interest-bearing accounts and an Elite Checking Account which does earn interest at a variable rate set by the bank.

To open this account, a substantial initial deposit of $1000 is needed, and a $9 monthly fee can be avoided by maintaining this balance.

The bank also offers three types of savings accounts. The regular one requires a $100 initial deposit and a minimum account balance of $100 to waive the $5 monthly fee.

Furthermore, Cleveland State Bank extends its service offerings to include credit cards, mortgages, various loans, and safe deposit boxes.

Opening this account requires a deposit of $100. A notable downside is the $15 monthly fee, although it aids individuals in rebuilding a trustworthy banking history.

Account holders receive a complimentary Visa debit card and the perk of unlimited check writing. Moreover, maintaining a good standing for a year or more could allow an upgrade to a traditional checking account.

One of the highlights is the user-friendly mobile banking app, coupled with access to 43,000 Allpoint ATMs across the nation. The bank stands ready to reimburse up to $10 in fees charged at other ATMs nationwide per statement cycle.

Ally draws attention with its attractive interest rates on a variety of financial products, including savings accounts, CDs, and money market accounts.

What sets Ally Bank apart are the additional features such as early access to paycheck funds and a generous overdraft coverage up to $200 through the SpotMe service, enhancing its appeal as a modern and customer-friendly banking option.

Starting a checking account at this national bank is accessible, with a minimum opening deposit of just $25.

There’s a $10 monthly fee, but it’s avoidable for those aged 17 to 24, those receiving $500 or more in qualifying electronic deposits each month, or maintaining a minimum balance of $500.

College students have an extra advantage; they can access free checking when they link a Wells Fargo campus card to their bank account.

When it comes to savings, Wells Fargo offers competitive rates on savings accounts and CDs.

New customers have enticing incentives to join, including a $300 reward for opening a new checking account and the opportunity to earn 20,000 bonus points with the new Wells Fargo Visa.

The LifeGreen eAccess Account is designed for online and mobile banking, allowing customers to waive the $8 monthly fee by making at least 10 debit or credit card transactions per month.

This account requires a $50 initial deposit but does not have a daily minimum balance requirement.

Regions Bank also provides competitive savings options, including strong rates on CDs and money market accounts.

Additionally, they offer wealth management services, which help clients build and manage their assets effectively.

The bank offers an array of checking account options, including a basic one equipped with essential mobile banking tools and unrestricted check writing privileges. This bank account carries a $7 monthly fee, although maintaining a daily balance of $100 or more can have this charge waived.

A $50 opening deposit is required, with no minimum balance needed afterward. For savers, PriorityOne Bank offers competitive rates on CDs and money market accounts, providing a gradual way to grow savings.

Additionally, the bank’s Check Buy-Back program reimburses customers for unused checks and debit cards from their previous bank, offering extra convenience when switching.

Small business owners also benefit from a range of banking solutions, reflecting PriorityOne’s commitment to supporting local businesses.

The bank offers a checking account with a $10 monthly fee. However, they waive the fee if one of the following criteria: at least 15 debit transactions per month, minimum electronic deposits of $100 monthly, or an average balance of $1,500.

There’s a $50 minimum deposit to open the checking account, and no stipulation for a minimum daily balance. The offerings extend to a $50 bonus for those who open a student checking account.

Trustmark National Bank also offers a wide range of banking options to small business owners, demonstrating its commitment to meeting the demands of a wide range of clients.

The Kasasa Cash Checking account is a fee-free rewards checking option that allows you to earn interest on your balance.

With a modest $100 minimum deposit required to open the account, there’s no daily minimum balance requirement. The account also offers up to $25 in ATM fee reimbursements per cycle for out-of-network ATMs.

In addition to checking, the bank offers a savings account with competitive interest rates. Customers aged 50 and over are invited to join the bank’s Travel and Leisure Club, providing access to additional perks and experiences, highlighting First State Bank’s dedication to rewarding customer loyalty.