Best Checking Accounts & Rates in Mississippi - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Mississippi include Baxter Credit UnionBaxter Credit Union911 N Davis Ave, Cleveland, MS 38732 2106A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, 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, Magnolia Federal Credit UnionMagnolia Federal Credit Union240 Briarwood Dr, Jackson, MS 39206A+5.0 ★Texas Ratio: 2.24% PERKS Checking at 5.00% APY, Keesler Federal Credit UnionKeesler Federal Credit Union2602 Pass Rd, Biloxi, MS 39531 2728A+5.0 ★Texas Ratio: 4.31% Checking Plus Qualified at 5.00% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1200 Magnolia Way, Blue Springs, MS 38828B4.4 ★Texas Ratio: 21.76% HY Checking at 4.00% APY.
Looking for the best checking accounts in Mississippi? You have two main choices: convenient local branches or high-yield online accounts.
The tables below compare the top rates available to residents of Mississippi, featuring both local banks and credit unions near you.
Checking account rates reflect recent market quotes and representative offers available to depositors in Mississippi. Checking Account Rates Last Updated and Verified: March 20, 2026
Mississippi Checking Rate Trends
Compare local Mississippi checking rate quotes against the statewide average
Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Mississippi high-yield checking rates rose 1.310 points this week to 1.560% APY, up from 0.250% last week.
Mississippi rewards checking rates rose 1.491 points this week to 2.935% APY, up from 1.444% last week.
Compare Checking Account Rates Today in Mississippi
Cleveland, MS 38732 2106
Qualifying balance up to $15000
Pascagoula, MS 39567
No additional details provided.
Pascagoula, MS 39567
No additional details provided.
Jackson, MS 39206
Qualifying balance up to $10,000.00
Biloxi, MS 39531 2728
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
Blue Springs, MS 38828
No additional details provided.
Cleveland, MS 38732 2106
Qualifying balance up to $15000
Laurel, MS 39440 4239
Qualifying balance up to $20,000.00
Tupelo, MS 38804 9513
N/A
Clarksdale, MS 38614
No additional details provided.
Pascagoula, MS 39567 4353
No additional details provided.
Corinth, MS 38834 9043
No additional details provided.
Clarksdale, MS 38614
No additional details provided.
Holly Springs, MS 38635
No additional details provided.
Jackson, MS 39206
Qualifying balance up to $1000.00
Leakesville, MS 39451
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 $20,000.00
De Kalb, MS 39328
No additional details provided.
Woodville, MS 39669
No additional details provided.
Tupelo, MS 38804 9513
$100,000
De Kalb, MS 39328
No additional details provided.
Cleveland, MS 38732 2106
Qualifying balance up to $15000
Pascagoula, MS 39567
No additional details provided.
Pascagoula, MS 39567
No additional details provided.
Biloxi, MS 39531 2728
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
Jackson, MS 39206
Qualifying balance up to $10,000.00
Blue Springs, MS 38828
No additional details provided.
Cleveland, MS 38732 2106
Qualifying balance up to $15000
Laurel, MS 39440 4239
Qualifying balance up to $20,000.00
Tupelo, MS 38804 9513
N/A
Clarksdale, MS 38614
No additional details provided.
Pascagoula, MS 39567 4353
No additional details provided.
Corinth, MS 38834 9043
No additional details provided.
Clarksdale, MS 38614
No additional details provided.
Holly Springs, MS 38635
No additional details provided.
Jackson, MS 39206
Qualifying balance up to $1000.00
De Kalb, MS 39328
No additional details provided.
Leakesville, MS 39451
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 $20,000.00
Tupelo, MS 38804 9513
$100,000
De Kalb, MS 39328
No additional details provided.
Tupelo, MS 38804 9513
Less than $100,000
Jackson, MS 39206
Qualifying balance up to $10,000.00
Leakesville, MS 39451
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 $20,000.00
Picayune, MS 39466 4582
No additional details provided.
Corinth, MS 38834 5511
No additional details provided.
Blue Springs, MS 38828
No additional details provided.
Blue Springs, MS 38828
No additional details provided.
Jackson, MS 39206
Qualifying balance up to $1000.00
Monticello, MS 39654
No additional details provided.
Corinth, MS 38834 5511
No additional details provided.
Grenada, MS 38901 2854
No additional details provided.
Grenada, MS 38901 2854
No additional details provided.
Biloxi, MS 39530
Negative balance; Prime + 3.00%
Cleveland, MS 38732 2106
No additional details provided.
Corinth, MS 38834 9043
$100 minimum opening deposit
Pascagoula, MS 39581
No additional details provided.
Pascagoula, MS 39581
No additional details provided.
Pascagoula, MS 39581
No additional details provided.
Methodology & Data Sources
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 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 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
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - First Federal S&L Pascagoula, MS
Legacy Checking — 6.00% APY - Magnolia Federal Credit Union
PERKS Checking — 5.00% APY - Keesler Federal Credit Union
Checking Plus Qualified — 5.00% APY - UNIFY Financial Federal Credit Union
HY Checking — 4.00% APY
Checking Account Rates by City in Mississippi
