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Best Banks & Checking Accounts in Ridgeland, Mississippi - March 2026

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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: March 20, 2026

The best checking rates for Ridgeland, Mississippi include Keesler Federal Credit UnionKeesler Federal Credit Union733 Lake Harbour Dr, Ridgeland, MS 39157 4367A+5.0 ★Texas Ratio: 4.31% Checking Plus Qualified at 5.00% APY, The Citizens Bank of Philadelphia (MS)The Citizens Bank of Philadelphia (MS)320 Highway 51, Ridgeland, MS 39157A5.0 ★Texas Ratio: 7.74% eVantage Checking at 0.25% APY, BankPlusBankPlus420 Northpark Dr, Ridgeland, MS 39157A+5.0 ★Texas Ratio: 2.28% InvestmentPlus Checking at 0.05% APY, 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, and 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.

Looking for the best checking accounts in Ridgeland, 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 Ridgeland, Mississippi, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Ridgeland, Mississippi. Checking Account Rates Last Updated and Verified: March 20, 2026

Ridgeland, MS Checking Rate Trends

Compare local Ridgeland, MS 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.

View Full Mississippi Checking Trends →
High-Yield Checking — MS Avg
1.560%
▲ 1.310 from last week

Mississippi high-yield checking rates rose 1.310 points this week to 1.560% APY, up from 0.250% last week.

Rewards Checking — MS Avg
2.935%
▲ 1.491 from last week

Mississippi rewards checking rates rose 1.491 points this week to 2.935% APY, up from 1.444% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
733 Lake Harbour Dr
Ridgeland, MS 39157 4367
Checking Plus Qualified
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

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

The Citizens Bank of Philadelphia (MS)
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
320 Highway 51
Ridgeland, MS 39157
eVantage Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
733 Lake Harbour Dr
Ridgeland, MS 39157 4367
Checking Plus Non-Qualified
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
420 Northpark Dr
Ridgeland, MS 39157
InvestmentPlus Checking
0.05%
$10,000
View
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
420 Northpark Dr
Ridgeland, MS 39157
PrimePlus Checking
0.05%
$500
View
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
420 Northpark Dr
Ridgeland, MS 39157
ValuePlus Interest Checking
0.05%
$1,500
View
▼
Rate0.00%
Min Deposit$1,500
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
911 N Davis Ave
Cleveland, MS 38732 2106
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
903 Jackson Ave
Pascagoula, MS 39567
Legacy Checking
6.00%
$25
View
▼
Rate5.85%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
240 Briarwood Dr
Jackson, MS 39206
PERKS Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $10,000.00

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
903 Jackson Ave
Pascagoula, MS 39567
First4Me Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1506 Congress St
Laurel, MS 39440 4239
Advantage Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $20,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1200 Magnolia Way
Blue Springs, MS 38828
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
911 N Davis Ave
Cleveland, MS 38732 2106
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3182 Tupelo Cmns
Tupelo, MS 38804 9513
Dividend Plus Checking
3.52%
$25
View
▼
Rate3.52%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

N/A

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
402 E 2nd St
Clarksdale, MS 38614
Investment Checking
3.25%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1201 Jackson Ave
Pascagoula, MS 39567 4353
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
1808 S Fulton Dr
Corinth, MS 38834 9043
Non-Profit Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
402 E 2nd St
Clarksdale, MS 38614
Investment Checking
2.25%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Bank of Holly Springs
Institution Rating:
A5.0 ★ Texas Ratio: 9.54%
114 S Memphis St
Holly Springs, MS 38635
Premier NOW Checking
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
240 Briarwood Dr
Jackson, MS 39206
Everything Teen Checking
1.73%
$0
View
▼
Rate1.72%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $1000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
733 Lake Harbour Dr
Ridgeland, MS 39157 4367
Checking Plus Qualified
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

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

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
420 Northpark Dr
Ridgeland, MS 39157
InvestmentPlus Checking
0.05%
$10,000
View
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
420 Northpark Dr
Ridgeland, MS 39157
ValuePlus Interest Checking
0.05%
$1,500
View
▼
Rate0.00%
Min Deposit$1,500
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
420 Northpark Dr
Ridgeland, MS 39157
PrimePlus Checking
0.05%
$500
View
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
733 Lake Harbour Dr
Ridgeland, MS 39157 4367
Checking Plus Non-Qualified
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
911 N Davis Ave
Cleveland, MS 38732 2106
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
903 Jackson Ave
Pascagoula, MS 39567
Legacy Checking
6.00%
$25
View
▼
Rate5.85%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
903 Jackson Ave
Pascagoula, MS 39567
First4Me Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
240 Briarwood Dr
Jackson, MS 39206
PERKS Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1200 Magnolia Way
Blue Springs, MS 38828
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
1506 Congress St
Laurel, MS 39440 4239
Advantage Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $20,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
911 N Davis Ave
Cleveland, MS 38732 2106
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3182 Tupelo Cmns
Tupelo, MS 38804 9513
Dividend Plus Checking
3.52%
$25
View
▼
Rate3.52%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

N/A

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
402 E 2nd St
Clarksdale, MS 38614
Investment Checking
3.25%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1201 Jackson Ave
Pascagoula, MS 39567 4353
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
1808 S Fulton Dr
Corinth, MS 38834 9043
Non-Profit Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
402 E 2nd St
Clarksdale, MS 38614
Investment Checking
2.25%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Bank of Holly Springs
Institution Rating:
A5.0 ★ Texas Ratio: 9.54%
114 S Memphis St
Holly Springs, MS 38635
Premier NOW Checking
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
240 Briarwood Dr
Jackson, MS 39206
Everything Teen Checking
1.73%
$0
View
▼
Rate1.72%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $1000.00

Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
175 Hopper Ave
De Kalb, MS 39328
Investor Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
240 Briarwood Dr
Jackson, MS 39206
PERKS Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $10,000.00

First State Bank Waynesboro, MS
Institution Rating:
A5.0 ★ Texas Ratio: 11.49%
313 Lafayette Ave
Leakesville, MS 39451
Kasasa Cash Checking
1.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

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

The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.29%
1620 Goodyear Blvd Ste C
Picayune, MS 39466 4582
Kasasa Cash Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
102 Highway 72 W
Corinth, MS 38834 5511
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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%
1200 Magnolia Way
Blue Springs, MS 38828
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1200 Magnolia Way
Blue Springs, MS 38828
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
240 Briarwood Dr
Jackson, MS 39206
Everything Teen Checking
1.73%
$0
View
▼
Rate1.72%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $1000.00

Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.66%
1026 E Broad St
Monticello, MS 39654
Youth Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
102 Highway 72 W
Corinth, MS 38834 5511
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.34%
1360 Sunset Dr Ste 6
Grenada, MS 38901 2854
Business Share Draft (Checking)
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.34%
1360 Sunset Dr Ste 6
Grenada, MS 38901 2854
Business Share Draft (Checking)
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Peoples Bank, Biloxi, Mississippi
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
152 Lameuse St
Biloxi, MS 39530
Commercial Checking
0.25%
$200
View
▼
Rate0.25%
Min Deposit$200
Min Balance—
UpdatedMar 15, 2026
Details

Negative balance; Prime + 3.00%

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
911 N Davis Ave
Cleveland, MS 38732 2106
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
1808 S Fulton Dr
Corinth, MS 38834 9043
Business Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

$100 minimum opening deposit

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
4501 Denny Ave
Pascagoula, MS 39581
Business Premium Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
4501 Denny Ave
Pascagoula, MS 39581
Business Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
4501 Denny Ave
Pascagoula, MS 39581
Business Premium Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Ridgeland, 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 Ridgeland, 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 Ridgeland, Mississippi earn interest?

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

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

Based on our current data, some of the highest checking account APYs available to residents of Ridgeland, Mississippi include:
  • Keesler Federal Credit Union
    Checking Plus Qualified — 5.00% APY
  • The Citizens Bank of Philadelphia (MS)
    eVantage Checking — 0.25% APY
  • BankPlus
    InvestmentPlus 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 Ridgeland, Mississippi. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 20, 2026

Ridgeland, Mississippi Rates & Resources

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Ridgeland, Mississippi CD Rates
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