DeSoto County Bank Customer Benefits
- Free 24 hour access to account information
- Free or reduced service charge for direct deposits and e-statements
- Free analysis of existing accounts
- Local loan decision-makers
All checking accounts include the following
- Unlimited check writing
- Free internet banking
- Overdraft protection *
- Detailed monthly statements
- Free DeSoto debitt card
DeSoto Free Checking
FREE says it all!
- No monthly service charge
- Free first order of checks
DeSoto Regular Checking
For those who want a record of their checks
- Detailed monthly statements with returned check images
DeSoto Interest Checking
A regular checking account that earns interest!
- Earns interest
- Detailed monthly statements with returned check images
- Complimentary notary service
Fed Target Checking
Special account designed to earn high interest!
- Earns interest on 100% of account balances
- Free internet banking with bill pay
- Free first order of checks
- Minimum opening balance$500, $9.95 monthly charge if minimum balance falls below $2,500
Prime Checking
Special account full of benefits for those in their Prime…50 and over!
- Earns interest
- Free internet bill pay
- Free personalized “Prime” checks
- Detailed monthly statement with returned check images
- Complimentary notary service
- Free official checks
All savings accounts earn interest daily
DeSoto Savings
Great return on balances over $100
- Interest compounded and credited quarterly
- Free internet banking
- Unlimited withdrawals at DeSoto County Bank ATM
DeSoto Money Market
The larger the balance, the higher the interest rate!
- Interest compounded and credited monthly
- Detailed monthly statement
- Free internet banking
- Unlimited withdrawals at DeSoto County Bank ATM
Personal Treasury Money Market
Our highest interest rates for high balance customers
- Earns interest daily on balances greater than $100,000.00
Certificate of Deposit
We have very competive rates on Certificates of Deposit. Call us at 662-393-3277 to check specific rates and maturities.
Mortgages
DeSoto County Bank offers a wide selection of mortgage programs. Whether you are a first time home buyer with no money for the down payment, have less than perfect credit, or need a jumbo loan for your custom built home, we can make your home ownership dreams come true!
We provide Mortgage loans with the following programs and features:
- Traditional Conventional Mortgage Programs
- Government Loan Programs Including FHA and VA
- Jumbo Loan Programs
- 100% Financing with No Mortgage Insurance
- Second Mortgages for Purchases that are Combined with a First Mortgage
- Stand Alone Second Mortgages that are Closed after a First Mortgage
- Fixed, Adjustable Rate and Balloon Mortgage Terms
- Interest Only Payment Options
- Down Payment Assistance Programs
- Alternative Income Documentation Options Including Bank Statements and Stated
- Programs for Borrowers with Bankruptcies Discharged or Dismissed One Day
- Programs with No Escrow Requirements
- Second Home and Residential Investment Property Loans
There are so many factors to consider that will ensure that you have the right mortgage program. The best way to find the answer is to share your current and future goals, priorities and plans with a mortgage professional at DeSoto County Bank! Call us at 662-393-3277.
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Personal Loans
DeSoto County Bank offers a full array of consumer loan products. The most common of these include:
- Auto, Boat, ATV, Motorcycle & RV Loans
- Conventional 2nd Mortgage Loans
- Home Equity Lines of Credit
- Home Improvements
- Loans Secured with DeSoto County Bank Certificates of Deposit or Savings Accounts
- Credit Cards
Other loans are also available for the purchase of other consumer goods, or any of your consumer needs.
Since rates and terms on each of our consumer loan products vary, contact a Consumer Lender for help in selecting the best product for your needs.
Product descriptions contained herein do not take the place of required disclosures on personal and business deposit and loan accounts under applicable federal and state regulations. Please contact Us for disclosures appropriate to these accounts.
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