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Checking

Whether you’re opening your first ever checking account, saving for retirement, borrowing for a home or car, or interested in our debit / credit card options, Mid-Southern Savings Bank, FSB is here to service your personal banking needs. And unlike other banks, who are getting farther and farther away from customer relationships and face to face interactions, we enjoy serving you and your needs in person or over the phone.

Checking

Our checking account options allow you to personalize your checking experience based on your wants, needs, and life stage. If you prefer to have no minimum to open, no minimum balance, and no monthly fee and don’t mind incurring zero interest, Choice Checking is for you. If you want to earn interest, compounded monthly, choose our basic interest bearing option. Diamond Checking is right for you if you are 50+, desire earning interest, and enjoy using checks. Can’t decide which checking option best fits your needs, or want further advice? Let’s talk. Visit or call us today.

Choice CheckingSelect CheckingDiamond Checking


Summary

Choice Checking


No minimum, no interest E-Statements only

Select Checking


Basic Interest Bearing

Diamond Checking


Ages 50+, Interest Bearing


Minimum to Open

Choice Checking


$50

Select Checking


$100

Diamond Checking


$250


Minimum Balance / Monthly Fee

Choice Checking


$0

Select Checking


$5 statement fee if balance drops below $500 during statement cycle

Diamond Checking


$4 statement fee if balance drops below $500 during statement cycle. (Statement fee waived with a direct deposit)


Interest Earned

Choice Checking


None

Select Checking


Based on daily balance, compounds monthly with variable rate

Diamond Checking


Based on daily balance, compounds monthly with variable rate on balances over $500.00


ATM / Debit Card

Choice Checking


Yes

Select Checking


Yes

Diamond Checking


Yes


Privilege Overdraft Protection*

Choice Checking


Yes

Select Checking


Yes

Diamond Checking


Yes


Checks

Choice Checking


Ordering available

Select Checking


Ordering available

Diamond Checking


First box of checks free. Additional orders discounted. Other designs are regular price.

* There is no charge for this program. There is a $35 charge per overdraft item including checks, ACH items, and debits up to 5 per day. Mid-Southern Savings Bank, FSB reserves the right to pay or not pay any overdraft. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.