Port Gibson, Mississippi Best Checking Accounts & Rates October 2026
Brian McKay
Brian McKay
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Port Gibson, Mississippi checking account rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 31, 2026. The best checking rates for Port Gibson, Mississippi include UMB United Mississippi BankUMB United Mississippi Bank609 Farmer St, Port Gibson, MS 39150A+5.0 ★Texas Ratio: 1.25%Rate verified Oct 31, 2026 NetChek Checking at 2.00% APY, BankPlusBankPlus609 Farmer St, Port Gibson, MS 39150A+5.0 ★Texas Ratio: 4.80%Rate verified Oct 31, 2026 InvestmentPlus Checking at 0.05% APY, Riverland Federal Credit UnionRiverland Federal Credit UnionGrand Gulf Nuclear Station, Port Gibson, MS 39150A+5.0 ★Texas Ratio: 2.72%Rate verified Oct 29, 2026 Regular Checking at 0.00% APY, First Federal S&L Pascagoula, MSFirst Federal S&L Pascagoula, MSA+5.0 ★Texas Ratio: 3.51%Rate verified Oct 26, 2026 Legacy Checking at 6.00% APY, and First Southern Bank Florence, ALFirst Southern Bank Florence, ALF1.0 ★Texas Ratio: 85.21%Rate verified Oct 27, 2026 Free Kasasa Cash Checking at 5.50% APY. Checking account rates as of October 31, 2026 according to verified data from MonitorBankRates.
Port Gibson has 3 local institutions in our database, with checking rates as high as 2.00% APY from UMB United Mississippi Bank at 609 Farmer St, Port Gibson, MS, 39150. Use the tabs below to compare all available checking account types. Rates are continually updated, so we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Port Gibson, Mississippi. Checking Account Rates Last Updated and Verified: October 31, 2026
Compare Checking Account Rates Today in Port Gibson, Mississippi & the Surrounding Area
Port Gibson Checking Account Rates
Port Gibson, MS 39150
Qualifications Required; Qualifying balance up to $15,000.99; Balance: $0.00 - $15,000.99; Opening deposit of $100.00; $5.00 paper statement service charge each qualification cycle (waived with electronic statements); Dormant fee $3.00 monthly after 365 days of inactivity
Port Gibson, MS 39150
Balance: $1,000 - $99,999
Port Gibson, MS 39150
No additional details provided.
Port Gibson, MS 39150
No additional details provided.
Port Gibson, MS 39150
No additional details provided.
Qualifying balance up to $600.00
Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to and including $25,000; balances over $25,000 earn 5.50% to 1.50% APY depending on balance; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); Base rate 0.05% APY if qualifications not met; APYs accurate as of 04/08/2024
Qualifications Required; Balance: $0.00 - $10,000.00; Variable-rate account; rates may change after the account is opened. Rates as of 10/1/26 and subject to change.
- Oct 13, 20265.13%▲ from 0.10%
- Sep 21, 20260.10%▼ from 5.13%
- Sep 18, 20265.13%first recorded
Qualifying balance up to $500.00
Qualifications Required; Balance: $0.00 - $25,000.00; $25 min deposit to open, no daily balance requirements
Qualifications Required; Balance: $0.01-$10,000.00; Qualifying balance up to $10,000.00
Balance: up to $15,000; Introductory APY 8.00%; Introductory Dividend Rate 7.72%
Balance: $0.00 - $15,000.00; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%
Qualifications Required; Balance: $500 - $20,000; Qualifying Dividend Rate; ATM rebates up to $25 per qualification cycle
Qualifications Required; Qualifying balance up to $10,000.00; Balances over $10,000 earn 0.26% on the portion over $10,000; Monthly Qualification Cycle
Balance: $200,000 or greater
Balance: $1,000 - $9,999.99; Variable: Prime - 3.75%
Qualifications Required; Balance: 0 - $25,000; Qualifying balance up to $25,000.00; Level 1; Rate and APY shown for qualifying balance tier; enroll in eStatements required
Balance: $100,000 and over; *$100 minimum opening deposit
Balance: $2,500 - $49,999.99
Balance: less than $30,000.00 & qualifications met; APY for Kasasa Cash ranges from 2.00% to 0.58% depending on balance and qualifications met
- Oct 14, 20262.00%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $0.00 - $1000.00
Competitive Interest Earned on Account Balance; interest rate subject to change
Qualifications Required; Qualifying balance up to $15,000.99; Balance: $0.00 - $15,000.99
Qualifications Required; Qualifying balance up to $15,000.99; Balance: $0.00 - $15,000.99
Balance: $0-$9,999.99
Balance: up to $15,000; Introductory APY 4.00%; Introductory Dividend Rate 3.93%
Balance: $0.00 - $15,000.00; Introductory APY: 4.00%; Introductory Dividend Rate: 3.93%
Qualifying balance up to $1,999.99
Compound: Monthly; Interest rate may change after account is opened
Balance: $500,000-$999,999.99
Balance: $100,000
Balance: $100,000 and over
Balance: $25,000 and over
Balance: $10,000 to $24,999
Balance: Less than $100,000
Balance: $50,000.00 and over; Minimum balance to avoid service fee: $2,500.00
Balance: $25,000 - $99,999
Balance: $1,500 to $9,999; Must maintain a daily ending balance of at least $1,500 to earn dividends
Minimum deposits required to open, no daily balance requirements
Port Gibson High Yield Checking Rates
Port Gibson, MS 39150
Qualifications Required; Qualifying balance up to $15,000.99; Balance: $0.00 - $15,000.99; Opening deposit of $100.00; $5.00 paper statement service charge each qualification cycle (waived with electronic statements); Dormant fee $3.00 monthly after 365 days of inactivity
Port Gibson, MS 39150
Balance: $1,000 - $99,999
Port Gibson, MS 39150
No additional details provided.
Port Gibson, MS 39150
No additional details provided.
Qualifying balance up to $600.00
Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to and including $25,000; balances over $25,000 earn 5.50% to 1.50% APY depending on balance; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); Base rate 0.05% APY if qualifications not met; APYs accurate as of 04/08/2024
Qualifications Required; Balance: $0.00 - $10,000.00; Variable-rate account; rates may change after the account is opened. Rates as of 10/1/26 and subject to change.
- Oct 13, 20265.13%▲ from 0.10%
- Sep 21, 20260.10%▼ from 5.13%
- Sep 18, 20265.13%first recorded
Qualifying balance up to $500.00
Qualifications Required; Balance: $0.00 - $25,000.00; $25 min deposit to open, no daily balance requirements
Qualifications Required; Balance: $0.01-$10,000.00; Qualifying balance up to $10,000.00
Balance: up to $15,000; Introductory APY 8.00%; Introductory Dividend Rate 7.72%
Balance: $0.00 - $15,000.00; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%
Qualifications Required; Balance: $500 - $20,000; Qualifying Dividend Rate; ATM rebates up to $25 per qualification cycle
Qualifications Required; Qualifying balance up to $10,000.00; Balances over $10,000 earn 0.26% on the portion over $10,000; Monthly Qualification Cycle
Balance: $200,000 or greater
Balance: $1,000 - $9,999.99; Variable: Prime - 3.75%
Qualifications Required; Balance: 0 - $25,000; Qualifying balance up to $25,000.00; Level 1; Rate and APY shown for qualifying balance tier; enroll in eStatements required
Balance: $100,000 and over; *$100 minimum opening deposit
Balance: $2,500 - $49,999.99
Balance: less than $30,000.00 & qualifications met; APY for Kasasa Cash ranges from 2.00% to 0.58% depending on balance and qualifications met
- Oct 14, 20262.00%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $0.00 - $1000.00
Competitive Interest Earned on Account Balance; interest rate subject to change
Qualifications Required; Qualifying balance up to $15,000.99; Balance: $0.00 - $15,000.99
Qualifications Required; Qualifying balance up to $15,000.99; Balance: $0.00 - $15,000.99
Balance: $0-$9,999.99
Balance: up to $15,000; Introductory APY 4.00%; Introductory Dividend Rate 3.93%
Balance: $0.00 - $15,000.00; Introductory APY: 4.00%; Introductory Dividend Rate: 3.93%
Qualifying balance up to $1,999.99
Balance: $500,000-$999,999.99
Balance: $100,000
Balance: Less than $100,000
Minimum deposits required to open, no daily balance requirements
Compound: Monthly; Interest rate may change after account is opened
Compound: Monthly; Interest rate may change after account is opened
Interest earned on a minimum average daily balance of $1,000.00 or more; 20 free debit transactions, then $0.25 per transaction
Minimum to earn dividends
No additional details provided.
Over $15,000; Balance: over $15,000; Introductory APY 0.01%; Introductory Dividend Rate 0.01%
Over $15,000; Balance: $15,000.01 and over; Introductory APY: 0.01%; Introductory Dividend Rate: 0.01%
Balance: $0 - $999.99
Port Gibson Rewards Checking Rates
Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to and including $25,000; balances over $25,000 earn 5.50% to 1.50% APY depending on balance; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); Base rate 0.05% APY if qualifications not met; APYs accurate as of 04/08/2024
Qualifications Required; Balance: $0.00 - $10,000.00; Variable-rate account; rates may change after the account is opened. Rates as of 10/1/26 and subject to change.
- Oct 13, 20265.13%▲ from 0.10%
- Sep 21, 20260.10%▼ from 5.13%
- Sep 18, 20265.13%first recorded
Qualifications Required; Balance: $0.01-$10,000.00; Qualifying balance up to $10,000.00
Qualifications Required; Balance: 0 - $25,000; Qualifying balance up to $25,000.00; Level 1; Rate and APY shown for qualifying balance tier; enroll in eStatements required
Balance: less than $30,000.00 & qualifications met; APY for Kasasa Cash ranges from 2.00% to 0.58% depending on balance and qualifications met
- Oct 14, 20262.00%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Qualifications Required; Qualifying balance up to $15,000.99; Balance: $0.00 - $15,000.99
Balance: $10,000.01 and over; 0.01% APY on the portion of the balance over $10,000
No additional details provided.
Port Gibson Free Checking Rates
Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to and including $25,000; balances over $25,000 earn 5.50% to 1.50% APY depending on balance; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); Base rate 0.05% APY if qualifications not met; APYs accurate as of 04/08/2024
Minimum balance to earn Interest and obtain APY: $500.00
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Earn dividends on average daily balances of $500 or more; Bonus: $50 with qualifying direct deposit ($250+) and $50 after 90 days in good standing
Port Gibson Student Checking Rates
Balance: $0.00 - $1000.00
No additional details provided.
Published APY range: 0.10%-1.73%. Balance: $1000.01 or more
No additional details provided.
No additional details provided.
Port Gibson Business Checking Rates
Balance: $50,000.00 and over; Minimum balance to avoid service fee: $2,500.00
Balance: $10,000.00 - $49,999.99; Minimum balance to avoid service fee: $2,500.00
- Oct 12, 20260.30%▼ from 0.40%
- Oct 8, 20260.40%▲ from 0.30%
- Sep 30, 20260.30%first recorded
Balance Required to Earn APY: $0.01; Transaction Limits: Unlimited
No additional details provided.
Minimum to earn dividends: $10,000; *$100 minimum opening deposit
Balance: $50,001 and above
Balance: $10,001 to $50,000
Balance: $10,000 or less
Minimum balance to earn APY: N/A; Minimum balance to avoid service charge: N/A
Port Gibson, MS Checking Rate Trends
Compare local Port Gibson, 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 rose 0.022 points over the past 7 days to 3.471% APY.
Mississippi free checking rates fell 0.005 points over the past 7 days to 0.762% APY.
Port Gibson, MS Checking Rate Forecast, Next 12 Months
Checking APYs move with Federal Reserve policy. Our model projects the likely path of high-yield and free checking averages from the current Mississippi figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit institutions typically pass policy-rate changes through to checking APYs within 60 to 90 days. Reward and high-yield checking adjust faster than standard accounts.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
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 (3.471% APY) | Monthly Earnings | Free Checking (0.762% APY) | Monthly Earnings |
|---|---|---|---|---|
| $2,500 | $86.77 / year | $7.23 | $19.05 / year | $1.59 |
| $5,000 | $173.55 / year | $14.46 | $38.10 / year | $3.18 |
| $10,000 | $347.09 / year | $28.92 | $76.20 / year | $6.35 |
| $25,000 | $867.72 / year | $72.31 | $190.50 / year | $15.88 |
| 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 October 31, 2026. | ||||
Available in Port Gibson, Mississippi
About Our Port Gibson, Mississippi Checking Rate Database
MonitorBankRates tracks checking account rates from 15 banks and 20 credit unions offering checking accounts to Port Gibson, 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 to 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: UMB United Mississippi Bank offers a checking account at 2.00% APY with a minimum deposit of $100. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.
How to Find the Best Checking Rates in Port Gibson, Mississippi
What to compare when shopping for an interest-bearing checking account in Port Gibson, Mississippi
To find the best checking APYs in Port Gibson, Mississippi, start with credit unions and online-only banks: Port Gibson, 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 to 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 to $25,000. The current MS high-yield checking average is 3.471% 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 Port Gibson, 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: 35 institutions serving Port Gibson, Mississippi report checking rates to our database
Consider an Alternative If…
- Your balance is well above the rate cap: Port Gibson, 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: Port Gibson, Mississippi CD rates lock in a guaranteed return
Port Gibson, Mississippi Financial Snapshot
Local demographics and economic context for account holders. Source: U.S. Census Bureau
At today’s MS high-yield checking average of 3.471%, keeping 10% of the local median salary ($2,880) in a high-yield checking account would earn $100 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 Port Gibson, Mississippi Options
How interest-bearing checking accounts compare to the other deposit products available at banks and credit unions in Port Gibson, Mississippi.
| Feature | High-Yield Checking | Free Checking | High-Yield Savings | Money Market |
|---|---|---|---|---|
| Current MS Avg APY | 3.471% | 0.762% | 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 October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Port Gibson, 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 Port Gibson, 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 Port Gibson, 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 Port Gibson, 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 Port Gibson, 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
What are checking account rates in Port Gibson, Mississippi today?
Do checking accounts in Port Gibson, Mississippi earn interest?
Are banks in Port Gibson, 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 Port Gibson, Mississippi?
Is there a limit on how much of my balance earns the top rate?
How do I open a checking account in Port Gibson, Mississippi?
Best Checking Rates in Port Gibson, Mississippi
- UMB United Mississippi Bank
NetChek Checking: 2.00% APY - BankPlus
InvestmentPlus Checking: 0.05% APY - Riverland Federal Credit Union
Regular Checking: 0.00% APY - First Federal S&L Pascagoula, MS
Legacy Checking: 6.00% APY - First Southern Bank Florence, AL
Free Kasasa Cash Checking: 5.50% APY
Port Gibson, Mississippi Rates & Resources
