De Kalb, Mississippi Best Checking Accounts & Rates August 2026
Brian McKay
Brian McKay
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The best checking rates for De Kalb, Mississippi include Commercial Bank De Kalb, MSCommercial Bank De Kalb, MS175 Hopper Ave, De Kalb, MS 39328A+5.0 ★Texas Ratio: 2.86% Business Investor Checking at 1.00% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking at 8.00% APY, First Federal S&L Pascagoula, MSFirst Federal S&L Pascagoula, MSA+5.0 ★Texas Ratio: 3.26% Legacy Checking at 6.00% APY, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA+5.0 ★Texas Ratio: 7.39% HOPE Rewards Checking and Checking Plus Accounts at 5.13% APY, and Citizens National Bank of MeridianCitizens National Bank of MeridianA+5.0 ★Texas Ratio: 4.46% High-Yield Checking at 5.00% APY. Checking account rates as of August 28, 2026 according to verified data from MonitorBankRates.
De Kalb has 1 local institution in our database, with checking rates as high as 1.00% APY from Commercial Bank De Kalb, MS at 175 Hopper Ave, De Kalb, MS, 39328. 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 De Kalb, Mississippi. Checking Account Rates Last Updated and Verified: August 28, 2026
Compare Checking Account Rates Today in De Kalb, Mississippi & the Surrounding Area
De Kalb Checking Account Rates
De Kalb, MS 39328
No additional details provided.
De Kalb, MS 39328
No additional details provided.
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
No additional details provided.
Qualifying balance up to $10,000.00
No additional details provided.
Qualifications Required: Receive a monthly direct deposit of $100 or more or an ACH debit of $100 or more; A monthly e-statement; Make a minimum of 10 CNB Debit Card point-of-sale transactions; Earn 5.00% Variable Annual Percentage Yield (APY) on balances up to $15,000 and .05% APY on balances of $15,000 and over, if the following requirements are met: Receive a monthly direct deposit of $100 or more or an ACH debit of $100 or more A monthly e-statement Make a minimum of 10 CNB Debit Card point-of-sale transactions. ATM transactions are not included. Transactions must post and settle to your account during the monthly statement cycle. If the requirements are not met for the current statement cycle, the default interest rate of 0.01% APY will apply. APY is current as of December 9, 2025. Rates are set by CNB and are subject to change at any time. Interest accrues on collected balances and is paid monthly. If you close your account before interest is credited, you will not receive the accrued interest. Fees may reduce earnings. Available to individuals only. Limited to one account per Social Security Number. Automatic refunds up to $25 per month for other banks' ATM fees.
Qualifications Required; +
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances up to and including $25,000; Blended rate for balances greater than $25,000 is 0.50% dividend rate and 1.38% to 5.00% APY.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
Introductory APY 8.00% Introductory Dividend Rate 7.72%
balances up to $15,000; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%
No additional details provided.
No additional details provided.
Variable: Prime - 3.75%
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Tiered Rates; *$100 minimum opening deposit
De Kalb High Yield Checking Rates
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
No additional details provided.
Qualifying balance up to $10,000.00
No additional details provided.
Qualifications Required: Receive a monthly direct deposit of $100 or more or an ACH debit of $100 or more; A monthly e-statement; Make a minimum of 10 CNB Debit Card point-of-sale transactions; Earn 5.00% Variable Annual Percentage Yield (APY) on balances up to $15,000 and .05% APY on balances of $15,000 and over, if the following requirements are met: Receive a monthly direct deposit of $100 or more or an ACH debit of $100 or more A monthly e-statement Make a minimum of 10 CNB Debit Card point-of-sale transactions. ATM transactions are not included. Transactions must post and settle to your account during the monthly statement cycle. If the requirements are not met for the current statement cycle, the default interest rate of 0.01% APY will apply. APY is current as of December 9, 2025. Rates are set by CNB and are subject to change at any time. Interest accrues on collected balances and is paid monthly. If you close your account before interest is credited, you will not receive the accrued interest. Fees may reduce earnings. Available to individuals only. Limited to one account per Social Security Number. Automatic refunds up to $25 per month for other banks' ATM fees.
Qualifications Required; +
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances up to and including $25,000; Blended rate for balances greater than $25,000 is 0.50% dividend rate and 1.38% to 5.00% APY.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: Qualifying balance up to $15,000.00; Introductory APY; Introductory Dividend Rate
Introductory APY 8.00% Introductory Dividend Rate 7.72%
balances up to $15,000; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%
No additional details provided.
No additional details provided.
Variable: Prime - 3.75%
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Tiered Rates; *$100 minimum opening deposit
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
De Kalb Rewards Checking Rates
Qualifying balance up to $10,000.00
Qualifications Required; +
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: Qualifications Required; Balance: $25,000+
Qualifications Required: 15 debit card purchases; 1 ACH debit or bill pay transaction; access online banking; receive monthly e-statement; 5.00% APY* on balances up to and including $25,000 when qualifications are met; 0.05% APY* on all balances when qualifications are not met
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
When qualifications are not met
Qualifications Required: 15 debit card purchases; 1 ACH debit or bill pay transaction; access online banking; receive monthly e-statement; 5.00% APY* on balances up to and including $25,000 when qualifications are met; 0.25% APY* on balances above $25,000 when qualifications are met
All balances if qualifications not met
No additional details provided.
Non-qualifying
No additional details provided.
De Kalb Free Checking Rates
No additional details provided.
No additional details provided.
De Kalb Student Checking Rates
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
De Kalb Business Checking Rates
De Kalb, MS 39328
No additional details provided.
De Kalb, MS 39328
No additional details provided.
No additional details provided.
No additional details provided.
*$100 minimum opening deposit
No additional details provided.
No additional details provided.
No additional details provided.
De Kalb, MS Checking Rate Trends
Compare local De Kalb, 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.
Mississippi high-yield checking rates fell 0.089 points over the past 7 days to 2.724% APY.
Mississippi free checking rates fell 0.694 points over the past 7 days to 1.147% APY.
What Your Balance Earns at MS Checking Averages
Annual interest earnings at current Mississippi average APYs. Advertised high-yield rates typically require qualifying monthly activity, and most accounts cap the balance that earns the top rate — the calculator below models your exact balance against a cap.
| Balance | High-Yield Checking (2.724% APY) | Monthly Earnings | Free Checking (1.147% APY) | Monthly Earnings |
|---|---|---|---|---|
| $2,500 | $68.11 / year | $5.68 | $28.68 / year | $2.39 |
| $5,000 | $136.22 / year | $11.35 | $57.36 / year | $4.78 |
| $10,000 | $272.43 / year | $22.70 | $114.72 / year | $9.56 |
| $25,000 | $681.08 / year | $56.76 | $286.80 / year | $23.90 |
| Earnings estimates assume the full balance earns the average APY with qualifying requirements met every month. Actual earnings depend on the account’s rate cap, base rate, and whether requirements are met. The top offers above pay well over these averages. Source: Mississippi checking rate averages as of August 29, 2026. | ||||
Available in De Kalb, Mississippi
About Our De Kalb, Mississippi Checking Rate Database
MonitorBankRates tracks checking account rates from 10 banks and 20 credit unions offering checking accounts to De Kalb, Mississippi residents — spanning high-yield, rewards, free, student, and business checking from community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Commercial Bank De Kalb, MS offers a checking account at 1.00% APY. High-yield checking rates typically require qualifying monthly activity — check the account details before opening.
How to Find the Best Checking Rates in De Kalb, Mississippi
What to compare when shopping for an interest-bearing checking account in De Kalb, Mississippi
To find the best checking APYs in De Kalb, Mississippi, start with credit unions and online-only banks — De Kalb, Mississippi has 20 credit unions in our database, and they dominate the high-yield and rewards checking market because they have lower overhead than traditional branch networks and use high rates to win your primary banking relationship.
Read the qualifying requirements before you’re drawn in by the headline rate. Most high-yield checking accounts require 10–15 debit card transactions per month, a direct deposit or ACH transfer, and e-statements — miss them in a given month and you earn a near-zero base rate instead. Also check the balance cap: the advertised APY usually applies only up to $10,000–$25,000. The current MS high-yield checking average is 2.724% — use the tables above to find the best available offer.
Finally, weigh fees and access: a monthly maintenance fee can erase a year of interest on a modest balance, and out-of-network ATM fees add up fast. The best accounts pair a high rate with no monthly fee and nationwide ATM access or ATM-fee reimbursement — worth checking if an institution has branches or in-network ATMs near you in De Kalb, Mississippi.
When High-Yield Checking Makes Sense
- You already use a debit card regularly — the transaction requirements cost you nothing extra
- Your everyday balance sits under the account’s rate cap, so your whole balance earns the top APY
- You want your spending money earning savings-level interest instead of 0%
- You prefer banking locally — 30 institutions serving De Kalb, Mississippi report checking rates to our database
Consider an Alternative If…
- Your balance is well above the rate cap → De Kalb, Mississippi savings rates or money market rates for the excess
- You won’t reliably meet the monthly activity requirements → a no-strings high-yield savings account earns more
- You have money you won’t touch for a set period → De Kalb, Mississippi CD rates lock in a guaranteed return
Mississippi Financial Snapshot
Local demographics and economic context for account holders — Source: U.S. Census Bureau (state-level data shown — city data not available)
At today’s MS high-yield checking average of 2.724%, keeping 10% of the local median salary ($3,735) in a high-yield checking account would earn $102 annually — money a 0% traditional checking account leaves on the table. The top offers above pay even more.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
High-Yield Checking vs. Other De Kalb, Mississippi Options
How interest-bearing checking accounts compare to the other deposit products available at banks and credit unions in De Kalb, Mississippi.
| Feature | High-Yield Checking | Free Checking | High-Yield Savings | Money Market |
|---|---|---|---|---|
| Current MS Avg APY | 2.724% | 1.147% | View Savings Rates | View MMA Rates |
| Monthly Activity Required | ✗ Usually yes (debit + direct deposit) | ✓ None | ✓ None | ✓ None |
| Balance Cap on Top Rate | Common ($10K–$25K) | Little or no interest paid | ✓ Rarely | Tiered — higher balances earn more |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Checks & Debit Card | ✓ Unlimited | ✓ Unlimited | ✗ No | ✓ Limited per month |
| Best For | Everyday spending money that also earns | Simple no-fee banking, modest balances | Emergency fund, larger balances | Larger balances wanting some check access |
APY data reflects Mississippi averages tracked in our database as of August 29, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
De Kalb, Mississippi Checking Account Interest Calculator
See what an interest-bearing checking account earns on your everyday balance. Most high-yield accounts only pay the advertised APY up to a balance cap — enter the cap to see the real number, or leave it at 0 for uncapped accounts. Click any current De Kalb, Mississippi rate on the right to apply it. Interest compounds monthly.
Assumes monthly compounding, qualifying requirements met every cycle, and that balances above the cap earn 0%. Checking rates are variable and can change at any time. Estimates are for informational purposes only.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our De Kalb, 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 De Kalb, 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 De Kalb, 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 De Kalb, Mississippi earn interest?
Are banks in De Kalb, Mississippi FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
What do I need to do to qualify for a high-yield checking rate in De Kalb, Mississippi?
Is there a limit on how much of my balance earns the top rate?
How do I open a checking account in De Kalb, Mississippi?
Best Checking Rates in De Kalb, Mississippi
- Commercial Bank De Kalb, MS
Business Investor Checking — 1.00% APY - Baxter Credit Union
PowerPlusTM Checking — 8.00% APY - First Federal S&L Pascagoula, MS
Legacy Checking — 6.00% APY - Hope Federal Credit Union Jackson, MS
HOPE Rewards Checking and Checking Plus Accounts — 5.13% APY - Citizens National Bank of Meridian
High-Yield Checking — 5.00% APY
De Kalb, Mississippi Rates & Resources
