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Personal Banking

DeSoto County Bank Customer Benefits
  • Free, 24 hour access to account information
  • No annual credit card fee
  • Reduced service charge for direct deposits and eStatements
  • Comparative account analysis
  • Local loan decision-makers
Certificate of Deposit

We have very competitive rates on Certificates of Deposit. Call us at (662) 393-3277 to check specific rates and maturities.


Personal Accounts - Checking and Savings
 DeSoto Hometown CheckingDeSoto Prime Checking (Age 62+)DeSoto Select Checking
Minimum Opening Deposit$100 $500 $2,500
Monthly Service Charge
$6  
No monthly service charge with direct deposit
$6
No monthly service charge when you maintain a  $500 daily balance
$10
No monthly service charge when you maintain a $2,500 daily balance
Interest Earned N/AN/A Yes
E-Statements AvailableAvailableAvailable
Unlimited Check WritingComplimentaryComplimentary Complimentary
DeSoto Bank ChecksPrices vary by selectionComplimentaryFirst order (50) complimentary
Debit CardComplimentaryComplimentaryComplimentary
Foreign ATM FeeFees applyFees applyFees apply
Online BankingComplimentaryComplimentaryComplimentary
Bill PayComplimentaryComplimentaryComplimentary
Safe Deposit BoxFees applyFees applyFees apply
Notary ServiceComplimentaryComplimentaryComplimentary
Official ChecksFees applyComplimentaryFees apply
                                 Interest will be paid on average collected balance

Personal Accounts - Checking and Savings
 DeSoto Plus CheckingDeSoto Money MarketDeSoto Savings
Minimum Opening Deposit$10,000 $2,500$100
Monthly Service Charge
$15
No monthly service charge when you maintain a $10,000 daily balance OR
$50,000 Total Banking Relationship*
$10
No monthly service charge when you maintain a $2,500 daily balance
$6
No monthly service charge when you maintain a $500.00 daily balance
Interest EarnedYesYes Yes
E-Statements AvailableAvailableAvailable
Unlimited Check WritingComplimentary6 Withdrawals per month 6 Withdrawals per month
DeSoto Bank ChecksComplimentaryN/AN/A
Debit CardComplimentaryComplimentaryN/A
Foreign ATM FeeComplimentaryFees applyN/A
Online BankingComplimentaryComplimentaryN/A
Bill PayComplimentaryComplimentaryN/A
Safe Deposit Box50% DiscountFees applyFees apply
Notary ServiceComplimentaryComplimentaryComplimentary
Official ChecksComplimentaryFees applyFees apply
                                   Interest will be paid on average collected balance
*Banking relationship means one owner with aggregate balances (loan and deposits) of $50,000 or greater
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