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Personal Banking

DeSoto County Bank Customer Benefits
  • Free 24 hour access to account information
  • Free analysis of existing accounts
  • Local loan decision-makers


CheckingSavings and Certificates of Deposit

DeSoto Savings
DeSoto Money Market Deposit
Personal Treasury Money Market
Certificates of Deposit 




All checking accounts include the following

  • Unlimited check writing
  • Free internet banking
  • Overdraft protection *
  • Detailed monthly statements
  • Free DeSoto debit card


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DeSoto Checking
Basic account with no monthly service charge!

  • No monthly service charge
  • Free first order of checks
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DeSoto Regular Checking
For those who want a record of their checks

  • Detailed monthly statements with returned check images
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DeSoto Interest Checking
A regular checking account that earns interest!

  • Earns interest
  • Detailed monthly statements with returned check images
  • Complimentary notary service
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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
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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
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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
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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
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Personal Treasury Money Market
Our highest interest rates for high balance customers

  • Earns interest daily on balances greater than $100,000.00

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Certificate of Deposit

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

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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

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.


  • Currently our fees are $32.00 per non-sufficient or overdraft item
  • An overdraft fee may result from the payment of checks, electronic funds transfers, payments authorized by you, or other withdrawal requests you initiate
  • Overdrafts are expected to be paid back immediately but within a maximum of 30 days
  • Overdrafts are paid at the bank’s sole discretion and we reserve the right not to pay an item
  • This program is designed and our customers are encouraged to use this program for inadvertent or occasional overdrafts


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