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Best Banks & Checking Accounts in Meridian, Mississippi - May 2026

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Brian McKay Brian McKay
Brian McKay

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: May 12, 2026

The best checking rates for Meridian, Mississippi include Commercial Bank De Kalb, MSCommercial Bank De Kalb, MS7591 Highway 39, Meridian, MS 39305A+5.0 ★Texas Ratio: 2.86% Interest Checking at 0.50% APY, 1st Mississippi Federal Credit Union1st Mississippi Federal Credit Union600 19th Ave, Meridian, MS 39301A+5.0 ★Texas Ratio: 2.44% Check Again Checking at 0.15% APY, BankPlusBankPlus215 22nd Ave, Meridian, MS 39301A+5.0 ★Texas Ratio: 2.28% PrimePlus Checking at 0.05% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, and First Federal S&L Pascagoula, MSFirst Federal S&L Pascagoula, MSA+5.0 ★Texas Ratio: 3.26% Legacy Checking at 6.00% APY. Checking account rates as of May 12, 2026 according to verified data from MonitorBankRates.

Meridian has 3 local institutions in our database, with checking rates as high as 0.50% APY from Commercial Bank De Kalb, MS at 7591 Highway 39, Meridian, MS, 39305. 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 Meridian, Mississippi. Checking Account Rates Last Updated and Verified: May 12, 2026

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

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
7591 Highway 39
Meridian, MS 39305
Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
600 19th Ave
Meridian, MS 39301
Check Again Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
600 19th Ave
Meridian, MS 39301
Share Draft Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
600 19th Ave
Meridian, MS 39301
1st Advantage Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
215 22nd Ave
Meridian, MS 39301
PrimePlus Checking
0.05%
$500
View
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
215 22nd Ave
Meridian, MS 39301
InvestmentPlus Checking
0.05%
$10,000
View
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
215 22nd Ave
Meridian, MS 39301
ValuePlus Interest Checking
0.05%
$1,500
View
▼
Rate0.00%
Min Deposit$1,500
Min Balance—
UpdatedMay 4, 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—
UpdatedMay 12, 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—
UpdatedMay 5, 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—
UpdatedMay 5, 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—
UpdatedMay 12, 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—
UpdatedMay 7, 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—
UpdatedMay 6, 2026
Details

Qualifying balance up to $20,000.00

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—
UpdatedMay 4, 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—
UpdatedMay 10, 2026
Details

Variable: Prime - 3.75%

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Non-Profit Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

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—
UpdatedMay 4, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Non-Profit Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

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—
UpdatedMay 7, 2026
Details

No additional details provided.

Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Share Draft/Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
7591 Highway 39
Meridian, MS 39305
Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
600 19th Ave
Meridian, MS 39301
1st Advantage Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
215 22nd Ave
Meridian, MS 39301
PrimePlus Checking
0.05%
$500
View
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
215 22nd Ave
Meridian, MS 39301
ValuePlus Interest Checking
0.05%
$1,500
View
▼
Rate0.00%
Min Deposit$1,500
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
215 22nd Ave
Meridian, MS 39301
InvestmentPlus Checking
0.05%
$10,000
View
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMay 4, 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—
UpdatedMay 12, 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—
UpdatedMay 5, 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—
UpdatedMay 5, 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—
UpdatedMay 12, 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—
UpdatedMay 7, 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—
UpdatedMay 6, 2026
Details

Qualifying balance up to $20,000.00

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—
UpdatedMay 4, 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—
UpdatedMay 10, 2026
Details

Variable: Prime - 3.75%

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Non-Profit Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

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—
UpdatedMay 4, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Interest Checking Account Rate
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Interest Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
High Yield Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

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 Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

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—
UpdatedMay 12, 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—
UpdatedMay 7, 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—
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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—
UpdatedMay 7, 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—
UpdatedMay 12, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Business Checking Business
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMay 6, 2026
Details

$100 minimum opening deposit

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Business Premium Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Business Premium Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Business Premium Checking Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Meridian, MS Checking Rate Trends

Compare local Meridian, 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
4.456%
▲ 0.493 vs 7 days ago

Mississippi high-yield checking rates rose 0.493 points over the past 7 days to 4.456% APY.

Free Checking — MS Avg
2.304%
▼ 0.036 vs 7 days ago

Mississippi free checking rates fell 0.036 points over the past 7 days to 2.304% APY.

As of May 14, 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 Meridian, 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 Meridian, 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 Meridian, Mississippi earn interest?

Most traditional local checking accounts in Meridian, 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 Meridian, Mississippi FDIC insured?

Yes. Legitimate banks with branches in Meridian, 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 Meridian, Mississippi

Based on our current data, some of the highest checking account APYs available to residents of Meridian, Mississippi include:
  • Commercial Bank De Kalb, MS
    Interest Checking — 0.50% APY
  • 1st Mississippi Federal Credit Union
    Check Again Checking — 0.15% APY
  • BankPlus
    PrimePlus Checking — 0.05% APY
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
  • First Federal S&L Pascagoula, MS
    Legacy Checking — 6.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Meridian, Mississippi. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 12, 2026

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